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Chapter No 01
Introduction:
What is bank credit management?
Bank credit management is the combination of three things e, g Bank ,
Credit and Management .

Bank:
The financial institution that accept deposits from SSUs (the individuals
who have surplus spending units), lend to SDUs (the individuals who have
spending deficit units) and renders different services to its customers.

Credit:
An agreement between two parties under which goods, services or money
is exchanged on trust and against promise to repay in future.

Management:
The process of planning, organizing, leading and controlling business
activities in order to achieve desired goals.
So,

Bank Credit Management:

Is the process of advancing short term, medium term and long term loans
and preparation of documentation, disbursement of loan and post lending
supervision by any financial institution.
No doubt bank has two dimensions accepting deposits and lending of
loans its major focus is on lending so that is why we are focusing on just credit
department of bank in which bank grants loans to needy people by using the
amount of depositors.

Overview of Project:
This project is about Bank Credit Management, in this project we have
done whole work which based on credit department of National Bank of Pakistan.
We choose the National Bank Pakistan main branch city Faisalabad at jail road.
This project comprises of four parts. We started this project with introduction of
subject, history of National bank of Pakistan and branch, products and services
offered and department of branch. Major areas which we have discussed are
corporate banking, Small and Medium Enterprises (SME) banking and consumer
banking.
In corporate banking we analyzed the process of knowing the credit
worthiness of corporate and documentation requires for credit. In corporate
banking the product and types of corporate finance its credit policy, terms and
conditions and recovery method discussed. In Small and Medium enterprises we
mentioned the advancing procedure to the Small and Medium Enterprises (SME)

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which involves i.e documentation, 5 Cs, credit analysis, credit scoring, to
analysis customer credit worthiness.
In consumer financing we discussed different services such as NBP
Karobar, NBP Advanced Salary, NBP Saiban, kissan Dost, NBP Gold Loan etc.
Finally we added the all recourses from where we get information which includes
documents reports, fact sheet, visiting cards, and pamphlets.
After doing this project we learned that how practically National Bank
Pakistan is offering its services to Corporate, Small and Medium Enterprises
(SME) and consumer. How it analyze the credibility of customer and how bank
have control to its customer before and after granting loan.

NATIONAL BANK OF PAKISTAN:

National Bank of Pakistan is the largest commercial bank operating in Pakistan.

National Bank of Pakistan was established in November 8, 1949 under the National
Bank of Pakistan ordinance 1949. National Bank of Pakistan is owned by the
government of Pakistan and act as an agent of the State Bank of Pakistan. It
headquarter is situated in Karachi. National Bank of Pakistan has various branches at
national and international level.
National Bank of Pakistan has 23.2% shares in stock market. National Bank
of Pakistan listed on Lahore, Karachi and Islamabad stock exchanges. National Bank
of Pakistan provides the consumer products and services at large level in order to
increase business and to cover the different sectors of society. National Bank of
Pakistan designed various facilities for the people having low level of income.
National Bank of Pakistan also provides the credit facilities for different
purposes like agriculture, for students, and commercial etc. National Bank of Pakistan
also providing the services based on Islamic sharia. For example, Murabaha financing
and Ijra (leasing). Other services are also provided according to Islamic laws like letter of
credit, utility bills collection, collection of export bills etc. National Bank of Pakistan
also has 1420 online branches all over the world.
The credit services of National Bank of Pakistan available at corporate, Small
and medium enterprise (SME) and at consumer level. All the commercial bank has two
major dimension accepting of deposits and lending of loans but National Bank of
Pakistan has three dimensions
Accepting deposits
Advances loans
Acting on behalf of government bank.

NATIONAL BANK OF PAKISTAN logo is created in 1949

Two main features of logo of National Bank of Pakistan;
I.
Wheel shaped which shows that we have to keep rotate and continuously
improve.
II. Green color represents that our economy is agriculture based that is why we
have to finance it for development.

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Vision:

To be recognized as a leader and a brand synonymous with trust, highest

standards of service quality, international best practices and social responsibility

Mission:

National Bank of Pakistan will aspire to the values that make National Bank of
Pakistan truly the Nations Bank, by:
Institutionalizing a merit and performance culture.
Creating a distinctive brand identity by providing the highest standards of
services.
Adopting the best international management practices.
Maximizing stakeholders value.
Discharging our responsibility as a good corporate citizen of Pakistan and in
countries where we operate.

Core Values:

Highest standards of Integrity.

Institutionalizing team work and performance culture.
Excellence in service.
Advancement of skills for tomorrows challenges.
Awareness of social and community responsibility.
Value creation for all stakeholders.

Goal:
To enhance profitability and maximization of NATIONAL BANK OF PAKISTAN
share through increasing leverage of existing customer base and diversified
range of products.

Board of Directors

Mr. Muneer Kamal

Chairman
Mr. Syed Ahmed Iqbal Ashraf
President
Mr. Farrakh Qayyum
Director
Mr. Rana Assad Amin
Director
Dr. Shujat Ali
Director

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Mr. Tariq Kirmani

Director
Mr. Shahid Aziz Siddiqi
Director
Mr. Zahid Hussain
Director
Mr. Wasiq Mahmood
Director
Mr. Syed Muhammad Ali Zamin
EVP, Secretary Board of Directors

Branch Network in Faisalabad:

Total Branches of National Bank of Pakistan is 1420.

Foreign Branches of National Bank of Pakistan is 21.
In Faisalabad Branches: Over all 46 branches in Faisalabad but we mention
only city area branches.
Abdullapur branch
Contact no. 041-9220022
Aminpur bazaar branch
Contact no. 041-9200856
Samnabad branch
Contact no. 041-665565
Peoples colony branch
Contact no. 041-9220019
Jinnah colony branch
Contact no. 041-9200333
Ghulam Muhammadabad branch
Contact no. 041-2590767
Jail road, Faisalabad.
Contact no. 041-610534, 610535.

Introduction to Branch:

History of Branch:
National Bank of Pakistan Main Branch situated Civil Line Faisalabad;
NBP jail road branch is established soon after the establishment of NBP in 1950
as it established its started consumer financing. For long time it continues its
operation having to dimension accepting deposits and advancing to consumer.
This branch started Small and Medium Enterprises banking in 2006 and
corporate financing in 2008.
National Bank of Pakistan Main Branch situated Civil Line Faisalabad;
Code
Phone
Fax

0360
041-9200749
041-9200746

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SWIFT
Status
Islamic banking
E-Mail
Branch Category
No of ATM
National Bank
Code
Address
Phone
Fax
Tehsil
Distt
Email
Branch Category
Code
Address
Phone
Fax
Tehsil
Distt
Email
Branch Category

code NBPKKA02F
online
No
manager0360@National Bank of Pakistan.com.pk
III
I

of Pakistan Dijkot Branch Distt Faisalabad

1457
Dijkot Branch Distt Faisalabad
041-2670028
041-2672571
Dijkot
FSD
manager1457@National Bank of Pakistan.com.pk
I
2034
kohnior city Branch Distt Faisalabad
----------FSD
FSD
manager2034@nbp.com.pk
I

Hierarchy
Branch Manager
Riaz Mehmood
Operation Manager
Muhammad Jameel
Compliance Manager
Taimoor Ul Haq
Credit Manger
Haroon Zafar
Admin Manager
Muhammad Jameel

Services
National Bank of Pakistan main branch Faisalabad is offering major three categories
of services:

Account Types
Major Accounts
Domestic currency account
Foreign currency account
Different Accounts
Saver account
Current account

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NIDA account (National Income Daily Account )

Premium amdani account
Remittance
Payment order
Demand draft
Telegraphic transfer
Electronic remittance
Mail transfer
Travellers cheque
Call deposits

Products:

National Bank of Pakistan offering three major categories of products;

Corporate Financing
SME Financing (Small and Medium Enterprises)
Consumer Financing

Departments:
Business Department:
At branch level it is branch managers job to bring business. He goes to
the market and convinces customer or clients for loans and deposits.

Operation Department:
When customer come in the branch for deposits or taking loan here
operation managers job starts he perform different functions on such as opening
an account, demand draft, issue cheque books.

Credit Department:
This department engages in the function of granting loan to borrowers i.e.
consumers, small and medium enterprises and corporate level after scrutinizing
their ability to repay and other requirements. Credit officer deals these kinds of
activities in big branches he is also known as credit manager.

Compliance Department:
This department performs the function of checking of rules and regulation
according to which loans are granted either is it according to the prudential
regulations or not. This department performs regulatory services.

Administration Department:
Administration department perform admin functions as well like payment
of salaries to employees, security and other functions.

Foreign Exchange Department:

This department does not exist in every branch of bank but also specific
main branches. This department is designed to manage the foreign exchange
transaction just like import or export Letter of Credit and other dealings with
foreign country.