CHAPTER NO.

1
INTRODUCTION
1.1- INTRODUCTION:
National bank of Pakistan is one of the biggest business banks working in Pakistan. It

has re-imagined its part and has moved from an open segment association into a

cutting edge business bank. The bank's administrations are accessible to people,

corporate elements and government. While it keeps on going about as trustee of open

assets and as the specialists to the state bank of Pakistan (in spots where SBP doesn't

have vicinity). It has broadened its business portfolio and is today a noteworthy lead

player in the obligation value market, corporate speculation keeping money, retail and

buyer managing an account, horticulture financing, treasury benefits and is

demonstrating developing enthusiasm for advancing and building up a nations little

and medium undertakings satisfy its social obligations as a corporate subject.

In today's NBP competitive to re-imagine its part and shed people in general segment

bank picture for a present day business bank. It has off loaded 23.2% offer in the

share trading system, keeping in mind it has not been totally privatized like the other

3. It is known recorded on the Karachi/Islamabad/Lahore stock trade. National bank

of Pakistan is today a dynamic, productive and client centered establishment. It has

added to an extensive variety of client's items, to upgrade business and take into

account the distinctive sections of society. A few plans has been particularly intended

for the low to center salary sections of the populace. These incorporate NBP advance

pay, NBP Saiban, NBP Kisan dost, NBP money and gold.

The bank has executed uncommon credit plans like little fund for horticulture,

business and commercial enterprises, overseer to Qarz-e-Hasna advances to

Page 1 of 54
understudies, independent work plan for unemployed individual, open transport plan.

The bank has extended its scope of item and administrations to incorporate Sarah

agreeable Islamic managing an account items.NBP as of late started Annual grants for

magnificence in writing. Support from NBP would help imaginative work in the field

of writing. The likewise. It has given liberally to generous reasons at whatever point

the need emerged.

The bank has taken different measures to encourage abroad Pakistanis to send their

settlements in an advantageous and productive way. In 2002 the Bank consented to an

arrangement with Western Union for growing the base for archived settlements. This

undertaking acquaints innovation based framework with handle internal settlements

productively, by guaranteeing that the Bank's offices keep a track of the settlement

got from abroad till its last receipt.

Various activities have been taken, as far as institutional rebuilding, changes in the

field structure, in arrangements and methodology, in inward control frameworks with

extraordinary accentuation on corporate administration, reception of Capital

Adequacy Standards under Basel II system, in the up-degree of the IT foundation and

building up the HR.

National Bank of Pakistan has assembled a broad branch system of 1400+ branches in

Pakistan and works in real business focus abroad. The residential branch system has

been robotized and is on the web. The Bank has delegate workplaces in Beijing,

Tashkent, Chicago and Toronto. It has organization game plans with more than 3000

journalist banks around the world. Its auxiliaries are Taurus Securities Ltd, NBP

Exchange Company Ltd, NBP Capital Ltd, NBP Moradabad Management Company

Page 2 of 54
Ltd, and CJSC Bank, Almay, Kazakhstan. It has as of late opened an auxiliary in

Dushanbe, Tajikistan.

CHAPTER NO.2
Overview of the Organization
2.1- Brief History:
National Bank of Pakistan has been active in all kinds of commercial banks and

banking businesses. National Bank of Pakistan established since November 9, 1949

the semi-public commercial banks. Pakistan across 1,200 are also more branches. The

Bank provides commercial and public banking sector. US $ 12.293 billion in 2007,

has total assets. Bank State Bank of Pakistan has no office in the Treasury's operations

and controls of the State Bank of Pakistan honor.

Its main office is located in Karachi. Since its founding in 1949 even, then the

country's leading commercial bank, State Bank of Pakistan for trade and government

treasury batter was the only agent of the Pakistani government. 100 seats era on Wall

Street, has offices in all major financial centers, including New York City and the

Page 3 of 54
United Nations Plaza loves. Including its internal networking Bahrain branch, Cairo,

Couples, Frank fort, Hong Kong and London, export processing zones off-shore

section of Washington. Beijing and Seoul Karachi and representative function.

In Pakistan, to keep working even if the remote northern regions in 1436 Bank branch

offers full banking facilities to the people. 1 bank and the National Bank of Pakistan,

the country began to programmatically control the line of credit on easy terms and

conditions to get a loan application on its doorstep has helped small farmers.

In addition to the usual job training in foreign banks provide special credit facilities

for higher education. The well-equipped R & D department headquarters, based on

the emerging trends in the financial and banking area is very well managed for a

library study.

Banks in through an extensive network of branches at the local level and international

level, they carry their own business. These local offices of the General Directorate

oversight of regional offices and a spectacular building in the heart of Karachi

perform their duties under the control of regional offices.

Currently, trade, industry, asset management services, as well as agriculture and small

banks or expanding banking operations to all branches of the need for a great

businessman.

Leaded mark in terms of other banks National Bank followed suit. National Bank of

Pakistan has a great contribution to the construction of a wide range of banking

structures and all classes in all aspects of national life and community service.

Page 4 of 54
2.2- Nature of Organization:
NBP is the domestic market commercial and also a retail banking, and many

corporate banks and related Services are engaged with banking and NBP. Pakistan’s

most large bank of now a days in perspective of its deposits and advances. There are

main activities of this Group, commercial and retail banking, corporate banking and to

ensure there. The services, retail credit, retail, finance, global banking, priority sectors

and small-scale lending, foreign exchange and trade finance, and the NBP provides

also the corporate loans and the extra loans sector current account savings are

deposits.

2.3- Management of National Bank

2.3.1- Board of Directors:

The Board of Directors is the supreme governing body of the National Bank. It is

composed of government representatives.

2.3.2- Executive Board of Directors:

Management Board of the leaders of the four provinces is composed of three directors

and heads of department. They could answer the president and the president is

responsible to the Board of Directors.

2.3.3-Chief Executive:
Management is Chairman of the CEO Council. This is the bank's chief executive. The

Bank's chief executive and chairman of the board meeting.

Page 5 of 54
2.3.4- Divisional Chiefs:
The development of the bank's management and operations are divided into the

solution. The Bank is under the control of each unit and division chief.

2.3.5- Circle Executive:

With direct control and supervision of commercial bank's CEO, number of laps each.

2.3.6- Provisional Chiefs:

Each bank has a temporary thing. PCs authorization to enforce financing and other

credit facilities. Each head quarter is located in each province.

2.3.7- Zonal Heads:

Each apartment is divided into several regions. They help to promote a vice-president

or vice president-zone leaders.

2.3.8- Branch:
The branches of this bank is in many of the other cities in the Pakistan those are
working with the efficiently and also taking part in the progress of our national sector
of the bank like in the other industries are popular the textile and cement industry.

2.4- Business Volume:

Rs. In Million
2009 2010 2011 2012 2013 2014 2015
Total Assets \468,272 553,231 577,719 635,133 762,194 817,578 944,233
Deposists (Rs. In Million) 395,492 465,572 463,427 501,872 591,903 624,939 726,462
Advances (Rs. In Million) 161,266 220,794 268,839 316,110 340,667 412,987 475,243
Investment 166,196 149,350 156,986 139,947 210,788 170,822 217,643
Share holders' Equity 181,34 24900 37636 53045 69271 81367 94972
Pre-Tax Profit (Rs. In million) 9009 11978 19056 26311 28061 23001 22300
After Tax Profit (Rs. In Million) 4198 6195 12709 17022 19034 15459 18212
Earning per share (Rs.) 5 7 14 19 21 17 16.92
Retur on assets (per-Tax profit) 2% 2.40% 3.40% 4.50% 4% 3.00% 2%
Number of Branches 1199 1226 1242 1250 1261 1276 1287
Number of Employees 13272 13745 13824 14019 14079 15204 16248

Page 6 of 54
2.5- Rewards and Success Stories of NBP 2010-2015:
 Prime Minister of Pakistan Syed Iqbal Ahmed President of NBP for

Ashraf "NPC Gold Medal" was awarded.

 National Bank of Pakistan recently won the Global Bank of the Year in

2015 introduced in Pakistan.

The award ceremony is the flagship publication of the Financial Times Group had

held England London bankers. Awards Honorary President of the NBP Syed Iqbal

Ashraf took Ahmed. Only one bank from each banker than 120 countries around

the world are selected. Collected more than 1,000 entries and the judges winning

the pot on the basis of the progress made in the last 12 months were selected. Only

Pakistan NBP in 2015 was selected for the award.

 London once owned by financial group, the world-renowned "The Banker"

at the "World's Top 1000 Banks 2013 listed".

 Domestic retail banking and Pakistan in 2013, "Asian Banking & Finance

Magazine" Charlton Media Group is owned by Singapore.

 "2012 Deal of the Year" for sale Aristech Limited Azgard Nine Limited

(ANL) sell side advisory, awarded by the Association of Pakistan.

 Pakistan National Bank Project Finance magazine's "Year 2012 Middle

East Renewable Deal" took the euro money PLC Publication of Islamic

finance, energy projects energy wind base to be updated 1 and 2,

Pakistan's first 100% role,

Page 7 of 54
  Once famous of London financial group "The Banker" magazine in 2011.

the "Bank of the Year".

 Once famous of London financial group "The Banker" magazine in 2010

the "Bank of the Year".

 "In yearaward-2011 agreement" for the private placement was awarded the

CFA Society of Pakistan and Engross to provide limited selling products.

2.6- Services of National Bank of Pakistan:

NBP a wide range of services to its customers and is aware of the importance of

effective delivery of timely business decisions. Here is the list of services offered

NBP:

Page 8 of 54
 Swift
System
Demand
Pay Order
Drafts

Home Letter of
Finance Credit

Interna_
Services of Mail
tional N.B.P Transfer
Finance

Foreign
Trade
Remittanc
Finance
e

Comme_
Short Term
rcial Investment
Finance
NIDA,
Foreign
Equity
Currency
Investmen
Account
t

2.7- PRODUCT LINES:

National Bank of Pakistan a wide range of services to its customers and understands

the importance of timely business decisions to be implemented effectively. Here is the

list of services offered NBP.

Page 9 of 54
2.7.1- Deposits:
Pakistan National Bank deposit interest offers a variety of personalized services at

competitive rate scheme. Any citizen of Pakistan branches strategically located

throughout Pakistan, for deposit in any of his / her account, you can open.

 Current Deposit:

 PSL saving deposits:

 Fixed Deposit Account:

 Foreign Currency Account:

 NBP Premium Aamdani:

 NBP Premium Saver:

 National income Daily account

2.7.2- Advances:
National Bank of Pakistan agriculture industry and plays an important role in

the transfer of the government's plan for the Pakistani commercial sector

growth period.

 NBP Saibaan

 NBP advance salary

 NBP cash and gold

 Students Loan scheme

2.7.3- Corporate Advances:

 Cash Finance

 Running/Financing overdraft

 Demand Finance

Page 10 of 54
2.7.4- Remittances:
 Demand Drafts

 Travelers Cheques

 Swift System

2.7.5- Miscellaneous:
 Locker

 NBP Cash Card

 International Bank

2.8- Contribution of organization toward economic development

National Bank of Pakistan has an important role in economic development. What

do the following items can be viewed?

2.8.1- Capital Formation:

There are so many ways by using them the bank is format its capital in the form of
cash or debt.

2.8.2- Mobilization of Savings:

The Central Bank plays an important role in the mobilization of savings through

the introduction of various schemes of the economy. Banks encourage people to

gain interest in the overall economy and the various possibilities for creating and

saving NA will provide power for the country. Domestic saving 9.5% of GDP.

Page 11 of 54
2.8.3- Implementation of Modern Technology:
The Central Bank allows people more money to enable the use of modern

production methods. Through the implementation of technology, reducing

costs and saving time, have an increased level of production.

2.8.4- Surplus in balance of payment:

They open the balance of payments of developing countries faced with its own

problems. The Central Bank is useful in overcoming this problem. In this

context, the Central Bank to improve the economy and a positive trade balance

could all cases to achieve self-sufficiency.

2.8.5- Expansion of Market:

The National Bank assists in expanding the market. They are helping to build

a solid economic infrastructure in order to improve living standards and the

expansion of trade and commerce in the economy. The National Bank of the

case of industrial and agricultural sector.

2.8.6- Modern Facilities:

Now, the National Bank offers a variety of modern amenities;

 Since 2003 First PC Internet banking.

 DD that statements and credit cards.

Page 12 of 54
 CHAPTER NO.3
ORGANIZATIONAL STRUCTURE
3.1- Organizational Hierarchy Chart:

Figure 3.1

3.2- Main Offices:

It consists of four main sections;

 Karachi

Page 13 of 54
  Lahore

 Quetta

 Peshawar

3.3- NUMBER OF EMPLOYEES:

Permanent 13237

Temporary / contract basis 842

The owner of power at the end of the year the bank staff 14079

Outsourced 2350

Total number of employees 16429

 So there are different classifications of employees in the Pakistan National

Bank structure;

 Permanent

 Temporary / Contract

 Outsourcing

National Bank of Pakistan Trade Union Organization of the employees. National

Bank of Pakistan, which represent most of the workforce? They support the needs of

members of management attention and use the power of collective bargaining with a

union representative modern.

3.4- Departments of NBP:

The NBP has many different departments like

Page 14 of 54
3.4.1 Department for clearing

3.4.2 Department Of IT

3.4.3 Department for Deposit amounts

3.4.4 Department to give advance

3.4.5 Opening of account Department

3.4.6 Department cash manage

3.4.7 Department for manage

3.4.8 Department to pay pensions

3.4.9 Department for remittance

3.4.1- Clearing House Department:

Clearing System, checks paid or payable and accounts receivable solution for

cleaning between central banks and it is not possible to do. Clearing activities

through offices CBP coordinates determined in large towns and cities called

swap. Some of the gardens tend to maintain their status NBP office to perform

this function, but clearing facilities, banks located in the same city used to

control drawn equipment.

3.4.2- Computer Department:

This section plays an important role in creation of banking products quickly

and helps banks to offer better services to customers. There are 3 kinds of

NBP branches throughout Pakistan;

 Online Branches

 Package Branches

 Management Branch

Page 15 of 54
3.4.3- Deposit Department:
National Bank of Pakistan are its clients, it offers various deposit schemes;

 Demand deposits

 PSL savings deposits

 Fixed Deposits

 Currency Account

 NBP new premium Aamd

 Currency Account

 National Income day

3.4.4- Advances Departments:

Front Department of the NBP advance loan lenders offer directly to a central

office management department plays an important role in this chapter to make

all the controls work. NBP offers these achievements;

 The NBP Saibai

 NBP cash and gold

 NBP salary advances

 The student loan scheme

 NBP is karobin

3.4.5- Account Opening Department:

This section carries the obligation to open an account for customers. Some

formalities that are compulsory to open an account.

 New customer identification

 Identify the right housing and permanent address

Page 16 of 54
  Completion of all the columns on the account opening form

 The correct completion of documents

 Identity occupation of business customers

3.4.6- Accounts Department:

This section deals with the processes and activities of all units as a result of short-

circuit all day process the data compilation and presentation of cover.

3.4.7- Cash Department:

Cashier performs the following functions;

 Fundraising

 Accept deposits

 Payments collection

 Income

 Act in accordance with any standing instructions

 Transfer money from another account

3.4.8- Pension Disbursement Department:

National Bank of Pakistan serves as the payment of pensions was the lead

agency. This section performs the following functions;

 Pension payments

 Account opening retirees

 Introduction of the amounts paid to retired pensioners of state

registration

 Signature Verification retired

 A project to create consumer demand record

Page 17 of 54
3.4.9- Remittance Department:
Transfer section deals with the transfer of money from elsewhere. NBP

will transfer the funds in the following ways:

 Payment procedure

 Project Request

 Mail Transfer

 Transfer

 Payment Receipt

 Call Deposit Receipts

 Letter of Credit

3.5-COMMENTS ON THE ORGANIZATIONAL STRUCTURE

3.5.1- Board of Directors:

Expropriation Act 1974 because the bank card after the transfer of most powers have

limited administrative privileges.

3.5.2- Executive Board:

General Manager of the event that commercial banks have their own board of

directors.

3.5.3- Chief Executive:

This is the bank's board of directors and chaired the Board meeting.

3.5.4- Divisional Chiefs:

Each unit of the Bank is under supervision and control division chief.

Page 18 of 54
3.5.5- Provisional Chiefs:
Every province in the center;

Sind (Karachi)

Punjab (Lahore)

Baluchistan (Quetta)

Khaibar Pakhtokhawan (Peshawar)

3.5.6- Circle Executive:

CEO of direct control and supervision.

3.5.7- Branch manager:

Each manager must follow the industries of the case.

3.6- Review of Various Departments of the Organization

3.6.1- Corporate Banking:

Corporate Banking Group cement, energy, excellent results in 2007 with a series of

communication and transactions in Land Mark fertilizer sector has achieved.

Corporate and investment banking in addition to cumulative income, to some extent

Pakistan as a series lead consultant fee income of the corporate world in the process,

this year, are essential.

Problems of institutional business in 2008 as a result of the economic slowdown and

rising interest rates, including the reduction in private credit investment, were varied.

Increases in process in the textile industry have reduced sector loans. In addition, the

Page 19 of 54
yield of corporate loans, banks pressure, Islamic finance, capital markets, such as

bonds and TFC and investment funds on the market in the form of the issuance of

debt instruments instead of facing a form of financing.

NBP corporate team in spite of these issues and problems they NBP market not kept

its share in such a way only to ensure Pakistan Corporate leaders have maintained a

strong franchise increased volume and output of the credit, but no longer position to

satisfy any future problems.

Thereby increasing the overall efficiency of the NBP years in the investment

portfolio, a series of issues joined TFC and mutual fund subscriptions. NBP holding

of 27% in volume primarily due to the NIT, Pakistan is the largest mutual fund has a

large portfolio of shares in the banking sector.

3.6.2- Retail Banking:

(Presidents Wind Plan) Under the NBP Carob after the aged unemployed youth

against Pakistan banked-un and the fact that many are poor people started to tap into

and targeted a unique product In April 2007, the full launch of recorded excellent

growth, 18 years 45. This item banks, It serves the commercial strategy, but also an

effort to reduce poverty in the country only. Private partnership shared by government

debt payments, as well as providing free life and disability insurance - Unique

members. At the end of the year it is Rs.2 billion on the portfolio. Target next year in

a fire that nearly 1.8 million customers. There are exciting new revenue-generating

products in the pipeline to achieve the NBP target. The number of employees of the

organization is growing increasingly ensuring continuous growth, this scheme is

Page 20 of 54
entitled to no avail. Recently added Pakistani army and new products and services by

providing a diversified customer base expanding network, as well as coming in almost

three years, half a million new customers through new distribution channels in order

to minimize the target traffic to increase its product offering and reduce administrative

costs.

NBP Saibai which is the bank's retail products. This home purchase, home

construction, home renovation and purchase of land plus the building has a different

product items. If anyone has an outstanding home finance facility with another bank

for a trouble-free process that can be transferred to the NBP. Alternative distribution

channel for cross-selling potential, the development of a broad customer base and

leveraging the use of IT are important strategies to increase retail business NBP. NBP

in consumer credit business without compromising the quality we aim to increase this

to a 16% market share and portfolio gradually.

3.6.3- Commercial Banking:

These centers for studies in the NBP branch network settings to work with existing

commercial loans. The main purpose of these centers is to provide the fastest

turnaround time in the funded and non-funded facilities solutions to customer

satisfaction additionally support its activities.

3.6.4- Agriculture Department:

NBP around 300,000 farm loans, the banking sector and Rs gross pay that large

creditors. 32 billion for the fiscal year 2006-2007. There are 45% of branches in rural

areas and offer unique products under their flag Kissan Dost large interior network

provide them a competitive advantage over their peer’s banks. Their agricultural

Page 21 of 54
experts, technical guidance and to understand their customers’ needs with the latest

trends and credit constraints to farmers in agricultural production technology to

provide special services officer who trained agricultural graduates, as well as familiar

opened.

3.6.5- Special Assets Management:

NBP their future private asset management group declassified / As a result of re-

structuring fee provisions through the restoration and recovery of the profitability of

banks believe will provide a significant contribution. NBP affairs of private asset

management and update their recovery and coordinate their efforts to speed up the

settlement.

3.6.6- International Operations:

This department is responsible for the management and operation of the foreign

exchange business, including marketing and operation of financial products and

foreign currency trade financing in the light of the national currency management

policy and is the leading foreign exchange department. The functions of this group

are:

 Strategy creates for market department..

 Establishment of the annual operating plan and work.

 The selection and opening accounts abroad under the supervision of, and the

creation and coordination of the business among banks-agents.

 Correspondent and dealing with foreign exchange among the branches.

Page 22 of 54
 Display the business requirements of customers and develop new products;

publicity exchange business; educational management support services for

foreign exchange business.

 Establishment of rates for deposits and loans for each of the wholesale foreign

exchange in accordance with the management and the market situation, the

rates on deposits and loans in foreign currency

 Focusing on direct marketing of VIP clients and general plans to put all the

resources together to provide one-stop service.

 Review and approval of the international business finance (import and export

bill purchase, exchange bills discount, the adoption credit, standby L / C,

international finance without guarantees and so on).

 Audit of foreign exchange business.

 Management and operation of the research credit, and business advice and

evidence.

 Provision managing turnover in exchange settlement and sales.

 Announcement international balance, the registration of foreign loans and to

manage the foreign currency account.

 Control of wholesale deposit and payment of foreign exchange to protect

against money laundering and bank fraud.

 Management and operational SWIFT system and monetary system.

 Organization of international business and research statistics; the

establishment and improvement of foreign exchange files; making accounting

forms and report forms of business.

Page 23 of 54
  Regularly studying the results of the executive of the entire system of foreign

currency, and to repair any problems.

 Handling and according to the national department of foreign trade, customs,

industry, regulatory and foreign exchange department department.

 Review and approval of launchers branch exchange business, applying for a

new category of foreign business in the People's Bank of China, according to

the current monetary policy.

3.6.7- Islamic Banking:

Mr. Anwar Ahmad local head of Islamic banking group Meenie. Islamic banking is

one of the new areas of the global financial market has great potential and is growing

very fast worldwide. Al-Hamdulillah, laudable progress in the last five years, the

Islamic banking in Pakistan. 2007 was the first year of the Islamic banking operations.

Sukuk in the reporting year as well as the active participation of various trades,

Lahore and Peshawar began operating two Islamic banking branches. NBP in 2008

plans using the existing network of NBP branch in 1200, focusing on turning organic

growing a new independent Islamic banking branches opened in Faisalabad and

Rawalpindi industries, plus the usual industry and strategic acquisitions we are

looking to expand in this area. The products and services offered by the National

Bank of Pakistan was approved by fully Sharia compliant Islamic banking and

Shari'ah Advisor to the NBP. Deposit schemes offered by the NBP for the Islamic

banking sector are as follows:

a) Current deposits

Page 24 of 54
b) Profit and Loss Sharing (PLS) Deposit Scheme

Funds available to them to satisfy demanding business and corporate customers' needs

to have the following financing mechanisms:

a) Murabaha

b) Murabaha Fund

c) Ijara (leasing)

In general the following sharia banking services in addition to a standard acceptable

in Islamic Banking Affiliates are offered:

 Letter of Credit Facility

 Transport transfers

 Issuance of payment orders and bank statements.

 Collection of export bills.

 Collection to local laws.

 Public Collections

 Public Collection

3.6.8- Treasury:

NBP is full of great in terms of size. They are a major player in the foreign exchange

and money market and government securities market maker. They are able to offer

structured products to its customers according to their needs. Financial institutions

offer their correspondent banking and cash management services through its overseas

Page 25 of 54
branches of the NBP and financial institutions and more than 500 correspondent

banks around the world under the auspices of the cash management department. Their

strategy with strong financial institutions, long-term, multi-level builds relationships.

They are the best way to offer their corporate customers structured products, using its

extensive domestic branch network.

3.6.9- Operations:
Aiming NBP management and good customer service oriented and our customers and

made an effort to put a smile on the face with the slogan in 2008 took a number of

initiatives. Seminars and workshops have been made to spread. They converted their

branches to give a modern look and feel. They only customer pension payments, and

special assistance programs established to meet the specific public collections. They

reduce traffic counter the branches and better and more convenient services, need to

increase their distribution channels.

3.6.10- Information technology group:

Pakistani national online group to develop this activity and stability of the financial

markets has been established for the implementation of new technologies to keep the

local and international financial industry and other stakeholders of the Bank. The

group's goal is to provide technical solutions for the business needs and the most

efficient way to develop a modern, integrated system that will contribute to internal

and external stakeholders in order to obtain accurate information. Its capabilities,

methodologies and business end-users to reduce costs and to improve efficiency in

order to meet their overall business objectives focus on solutions aimed at the bank's

experience in technological development, the National Bank of Pakistan.

Page 26 of 54
Group services and solutions to develop and strengthen its technology portfolio and

enables the NBP to determine future needs. In addition, the provision of these mineral

resources, the IT group focused on the protection of information assets and plans

through security policies, systems that are critical to the NBP is concerned.

Information Technology group has the following units:

 Home development

 Software development

 Development sites

 Central server

 System Administrator - Unix

 System Administrator - Windows

 Support

 Database Management

 Network Management

 Support for production

 Management

 Branch Manager

3.7- Human Resource Management & Administration Group

This section is responsible for induction to ensure the presence of quality fresh

induction of staff and other experts in a rigorous process. Once the unit and is part of

this section. This group, the National Bank of Pakistan, to prepare job descriptions

and evaluation process jobs to perform their work is responsible for developing an

Page 27 of 54
annual plan for workforce analysis. Other features of this group by tselecting and

attracting the right people in the market, work is included. The Working Group

strongly on the adoption of latest processes and organizational change management

theory to make it effective. The group also performs the following functions:

 Selection of job offers to work on time by placing qualified personnel using

modern methods.

 Systematic monitoring and performance measurement personnel / recruitment,

selection and promotion in candidate countries.

 Its departments / divisions and locations grows successful in establishing good

working relationships through effective orientation of new employees.

 Promotion to achieve internal openings to fill and personal goals / transfers

encourages employees search.

 Reach the aim Foster and shows a remarkable effort to improve the bank's

image, business practices innovative recognition among staff input and

appreciate the celebration of cultural and simple to prepare cash prizes "thank

you" recognition, ranging from letters to using a variety of methods.

 Market development and motivation of staff satisfaction and retention

strategies Studies.

 Posts and grades, class structure assessment to adjust the position of workers.

 This group in Karachi, Islamabad, Lahore and Peshawar check all academics.

Page 28 of 54
3.8- Credit and risk management:

\NBP continuous identification, evaluation and upgrade its risk management process

to manage the risk. During the year, the bank has established a comprehensive risk in

addition to credit and market risk units established for the management of operational

risk management unit. Basel II risk management in terms of their time developing

smoothly with the adoption of the rules and the completion of the internal gap

analysis. Their system is based on the management of credit risk assessment and

credit rating systems developed in order to provide timely and objective evaluation of

each proposal too. It established the relevant authority and responsibility and at the

same time there is a hierarchy of loan applications to ensure that its own internal

filtration system installed to reduce the processing execution time. They also have a

regular monitoring system and a separate credit department of the Administration to

improve their credit monitoring function (CAD) have set up.

Page 29 of 54
 CHAPTER NO.4
INTERNEE WORK
4.1 INTERNEE WORK:
It is considered as a compulsory part of the education b.co education. This means our

University has organized a summer internship program in the current semester break.

We have to pass on to us during the internship coordinator, left. I joined the National

Bank of Pakistan Sumbryal Daska Road. Teachers coordinate, Sir "Ali Abbas." She

was very professional and was appointed during the internship is guiding me it said

that to achieve this goal. I said, "Sir, Ali Abbas" My introduction to the organization

in question and said they would send reports on a weekly basis my week internship

requirement. He contacted me and guiding me along to set basic training.

Central Bank Sambrial Daska Road Branch Details are given below;

Branch Name Sumbryal Road Daska

Branch Code 0325

Address Sumbryal Road, Daska

Phone 052-6613230

Fax 052-6617847

Tehsil Daska

District Sialkot

Province PUNJAB

Page 30 of 54
SWIFT Code ___

Status Offline

4.2 Detail of my supervisors:

4.2.1 Mr. Amir Masood:

In 2005, he joined the National Bank of Pakistan, and it was operational divisions

Incharge.

4.2.2- Mr. Afzal Ahmed:

He joined the National Bank of Pakistan in 2010, and it will send the charges and

swap charge.

4.2.3- Mr. Tariq Mehmood:

He registers to collect the duties in 2012 and controls to enter the National Bank of

Pakistan attended.

4.2.4- Mr. Habeeb:

In 2005, the National Bank of Pakistan was incharge of Membership and check

clearing that section.

4.2.5- Miss Saira Mushtaq:

In 2007 she joined the National Bank of Pakistan and In Charge transfer part of it.

4.2.6- Mr. Ghullam Mustafa:

He joined the National Bank of Pakistan in 2009 and then head of the foreign

exchange department.

Page 31 of 54
4.2.7- Mr. Mustafa:
He joined the National Bank of Pakistan in 2014 and it was a relief instructor for the

whole procedure.

4.2.8- Mr. Imran Ahmed:

He joined the National Bank of Pakistan in 2013, and it is In Charge credit card.

4.3- Activities which I have done:

I am starting my internship programs for 10/30/2015 09/07/2015. The first day I

visited the head office of the entire industrial model city and regional departments and

presented to the bank's employees. Managers manager, "Mr. Muhammad Nawaz" he

was me and me during a visit and study each section and each section is carried out

gave detailed instructions on their responsibilities.

What needs to be done on a daily basis had to spend 6 weeks here and I need to be in

the bank, it had to find the maximum possible.

1 week performs several operations fees Department of the total score, was to spend

the discovery and creation. This section is responsible for opening accounts and

General Manufacturing Govt transfer. Staff salaries, check book issue to gather other

coupon collection, and other support check. In this section, spend a week. Mr. Tariq

Mehmood president here. It took me more about all the activities carried out in this

section and where you need to help and guide me.

My Week 1 is the end for the grace of Allah Almighty. My 2 and 3 at the beginning of

the week I sit down to understand the translation process in the money transfer

Page 32 of 54
department. One of the most important and responsible department of the National

Bank Transfer department.

4 and 5 weeks I sit in my head the Central Bank credit department. At the same time

the National Bank of Pakistan is the most important and responsible part.

My 6 and a close last week to see an interesting week in the daily routine work, spend

time with different managers, most importantly, learn to watch and HR practices try

to understand the foundation of good decision-making system. So the bank's

executives and spend a lot of time to spend with them in the past week.

4.4 Description internship

4.4.1 Objectives:
My main goal is conducted by the extent that it is to learn the operational activities

and responsibilities Pakistan Central Bank possible, so helpful and they enter their

professional life and my career to get a touch and experience in my life that this

information led me.

4.4.2 Duties and Responsibilities:

My duties and responsibilities have been moved to different departments and are

charged during the training to help different people. Their requirements and

obligations of each section as other banking transactions were carried out in various

departments. In summary I can say I was appointed deputy head in accordance with

his instructions.

Page 33 of 54
 4.4.3 Daily Major works:
Detailed ground state my daily work as follows:

1st WEEK

Date Department Detail

10/06/2016 Operation On Monday, I "Mr. Amir Masoud" I'm In Charge will come together in this
Department section. This bank is responsible for brand and messaging government. Staff
salaries.

So today, now make their salaries, "Mr. Amir Masoud" helps. Difficult and is
still pending and a number of working hours as there were a lot of salaries.
And I did not pay coupons and send copies to add needed answered. I help
during checks on collecting and fees. I said, "Mr. Afzal Ahmed" vouchers to
help them in making treatment fees and is responsible for all day authors and
future exchange fees.

11/06/2016 Operations On Tuesday, I assist in the opening of the general account pending completion
Department of salaries up to 12 hours and then briefly. I was like I had to help the opening
of several accounts in foreign currency, basic concept of opening an account.
General accounting requirements according to different external accounts. I
call deposit bonus screen saver, savings account, has been with PLS accounts
are different, we were told about the current account. These accounts continue
to have their own opinions. As with most open type of government saving
account. Employees will be paid from this account. I have also published a
new account to open an account and outstanding letters of thanks were given
information. The rest of the day and can help opening several accounts.

Page 34 of 54
13/06/2016 Operation On Wednesday, I get to draw and checkbooks, can help. This registry without
Department her / it's important as a business owner can not take account of money from
your account.

The record book industry for three months before his hand problems, but the
policy will be collected and delivered to a new checkbook Head Office in
Karachi and published through NIFT. Today, demand is going to pull the plug
and check that the clerk would enter. New checkbook account holders have
additional costs. These coupons were given a voucher to pay for a particular
purpose. All day I was appointed responsible for the collection of applications
and checkbook checkbooks delivered to customers.

14/06/2016 Operation For "Thursday" I collect and assigned a new responsibility to deposit checks.
Department This section is another responsibility. I also collect and record checks when
entering, "Mr. Tariq Mahmood," guidance, he said. Specific check when the
check was filled with red. I told them how to fill that also plugs. After filling
out the coupon found bound together with their control. Writing a check or
bank draft copy has been adopted and all. After checking the registry entry into
the deposit checks, according to some series. After entering the record, I'm in
the right place with the industry brand for signature and seal slides get "Mr.
Tariq Mahmood" give. After the slip is signed, he returned to the receipt of
proof of customer controls. Learn to control that, then pulled safely besieged
for further processing "Mr Habeeb is" incharge registration section is
transmitted to the clearing they put a bag. I do this task assigned to me all day.

15/06/2016 Operation On Friday, I was still a few cash deposit and collect checks issued vouchers.
Department After 12 hours, I "Mr. Tariq Mahmood" maintain a checkbook register and
book buyer is coming next internal bank audit helped control records. One was
Friday, so the burden is not so much today, so help him in front of me
recording protection. We record so as to meet the entries in the registry, and
they can clearly control today. The rest of the day, I received support
checkbook and check register.

16/06/2016 Operation Saturday afternoon, not banks, but also the internal audit approach, so for days,
Department "Mr. Tariq Mahmood" had to help. Checkbooks and account opening, which in
this section starts as usual to deposit checks, but may also help to maintain
open and closed 12 hours later registered account. Operations manager control
before, we were advised to keep fast, so you had to be done urgently. Fanfolds
pressure to open and close accounts all day to meet and help keep the record. I

Page 35 of 54
 went home almost 7 hours was a long day for me.

2nd Week

17/06/2016 Remittance On Monday, the department in charge I transfer II "Miss Saira Mushtaq"
Department introduced "Mr. Ghulam Mustafa," the head of the department, as well as very
useful and contacts. The Day 1, "Mr. Mushtaq Sadie" said translation. He and
repeat the process all over the basics of monetary authority has informed me in
a very detailed way to highlight again. 1 rule, he said to always stay alert both
physically and mentally in the cash department. He says that during the day he
would take my turn other departments. Demand drafts, travelers checks, letters
of credit and foreign exchange and money transfer offices offered me a bit, but
first you need to get more information about these sections. I was instructed to
"Miss Saira Mushtaq," and one day you can get complete information about the
transfer of this section.

19/06/2016 Remittance "Tuesday" day again, "Miss Saira Mushtaq" meet and she translated as Swift
Department transfer, introduced me to the rest of the transfer section and pay for the order.

You provide the Central Bank of Pakistan in these areas quickly and safely send
money as possible for business and personal needs, this part because you get
information, she told me it was a very important part of workers' remittances.
For more information, I will, "Mr. Ghulam Mustafa" will meet again and he
said the most important part of the rules and the benefits of this section to
transfer money to me. During the day, I gather full information about the

Page 36 of 54
 exchange section, and now I'm ready for practical work in this section.

20/06/2016 Remittance "On Wednesday," Bean translation project is the first part of my practice I start
Department demand. We demand safely transfer money to pay for projects in other cities.
You can use both account holders and walk the client for this feature. Fees for
both clients are usually different, but the benefits are the same for all customers.
Demand draft made in favor of a beneficiary and payer pays in cash or by
check. I give so much demand for the project after completing requests for
project requirements. I have made a request to collect CNIC number and name
of the person for whom the project and then we give it the shape of the demand
for the project. People now demand is making the demand-pull controls and
drew a rough project is compensated ensure payment when it and give it to
people. I gather some of the accusations and demand in the project;

Rs 100,000 / Up - Min 0.10% to Rs 100 / - of the account holder.

Rs 200 / 0.20 wt% minimum - for Non-account holder

0.5% Min Rs 150 / - - with the accounts of Rs 100,000 / Over

Min 0.15% to Rs 250 / - for the owners of the account number

Rs 150 / repeated demands that the draft - with accounts

Rs 250 / - for the owners of the account number

Cut demand for office and remitters account is credited when the project was
published account. But according to the account of the beneficiary presentation
will take office and be charged. All day long, "Mr. Mustafa Ghulla" as my
guide was with me. There is a lot of work today and I am very tired.

Page 37 of 54
21/06/2016 Remittance Today "Thursday" foreign section of the banking day again. Today, "Ms. Saira
Department Mushtaq" told me to pay that next step of translation. How to pay another way
to save money transfer payment within the city. They are sent to clean up and
then paid at any branch. Today I pay people to collect orders and costs. And I
made a number of paid orders and collect some of the people charged. I am the
account holder and account number given for the cancellation have to pay and
collect the various charges. The holder, for Rs - Rs.75 / paid orders Issuer. 250 /
- for the owner of the account number of the payment order cancellation RS75 /
- accounts with Rs. 250 / - account number has to be repeated in order to pay
Rs.150 / - account owner, for Rs. 300 / - for the owner of the account number.

The bill will be paid in the event of payment orders and the payment order shall
be branches debt account. Promotion of beneficiary deduction and that the
payment order was credited by the branch. The owner of the account holder and
account number, issue and during the day I have to collect the amount and
account number of the owner of the lot with canceled orders and account
payments. This is a very demanding job and tries it very carefully.

22/06/2016 Remittance Today "Friday" I "IN Ghulam Mustafa Say" I met with me and told 3rd stage of
Department postal money transfer department. The Bank's branch maintains more than one
account with a mail transfer bank account, you can transfer money from your
account to another account. In addition, some reports in a mail transfer request
is not to transfer money to a certain account from one bank branch to another
branch. Today we bring you a lot of money of account holders from another
industry and industry and how the account holder a means to maintain multiple
accounts in various branches of the National Bank of Pakistan, and it is a very
challenging task. Today, half a day, so I'm going home very soon.

23/06/2016 Remittance "On Friday," I work with the transfer of funds expectations, both account
Department holders to transfer more money to finish. Fridays and Saturdays, I also produced
a form for the transfer of shares. Actions transmission format;

 Date
 name of the person to whom it is done
 Branch Name
 Branch Code
 The number of MTA
 Account Name
 Account

Page 38 of 54
  process Nature
 CNIC

After collecting this information, they are a National Bank branch to another
branch of the Central Bank publishes the basic shape of the transfer to the
account holder's own money transfer.

3rd WEEK

24/06/2016 Remittance "Monday" day, "Mr. Ghulam Mustafa" letter of directs me. Then during the credit
Department letter of credit and held under the state guarantee, but they neither debate, nor be
transferred he says. Then, as part of a letter of credit to spend "Ahmed Raza" to
meet. That credit, says the National Bank of business customers. She also any
commercial venture, credit service tells you exactly what they are seeking is our
letter. Competitive pricing of credit operations and the National Bank of Pakistan is
the best way to ease business operations. Spend all day, "Mr. Ahmed Raza." It's not
like a good guy and a good book. I am also in their work, "Mr. Ahmed Raza" helps.
This fully guided process my credit.

25/06/2016 Remittance "Tuesday" "Miss Saira Mushtaq" foreign currency and introduced me to the next
Department step of the exchange section. It would also make it easy for customers domestic
transfers, he told me about the benefits of this section. He also says that the
National Bank of Pakistan take a series of measures;

 Increase in workers' remittances home through the banking system.

 Foreign buyers in a timely manner and timely delivery instructions for
SBP establish communication.

Many people are not aware of the foreign translation of these banks, come, but I
want to know about the external translation, and I offered to these people about the
benefits of foreign translation. After receiving information about the external
translation that has increased people's interest.

Page 39 of 54
 And "Miss Saira Mushtaq" NBP foreign translation provided information about the
new features;

 NBP provides home currency without any charges.

 Strict control system to ensure the highest level of security.
 Today, I have the advantage of foreign translations; it presented to the
people and also has played other activities related to external translation.

27/06/2016 Remittance "On Wednesday," I know that for a while Swift transfer system and "Mr. Ghulam
Department Mustafa," he will guide me with me today about this. He said that this system
offers the fastest service in the field of remittances. Today his money and throw
system Swif "Mr. Ghulam Mustafa" exceed what led me to transfer money to throw
I'm doing system SWIFT these people, but I'm not an expert in this business, so I
decided to spend one more day to learn more about SWIFT.

28/06/2016 Remittance .In "Thursday," I want more people to transfer money quickly and then throw the
Department SWIFT system to the system to start working again

29/06/2016 Remittance "On Friday," I can learn the latest and most-term translation and this section will
Department show a custom sprites and said a transfer. Especially bulk telex / fax / internet or
cable to another branch, a branch is used for those who want to transfer their
money. If you have another account at another bank. In this process, along with me
as my guide in this section, "Mr. Rizwan Ahmed" in. I go home soon because there
Friday and has been working in this section for up to 12 o 'clock.

30/06/2016 Remittance On “Saturday” I repeat the work on the process of telegraphic transfer and deal
Department those people who want to transfer funds throw telex/fax/internet of people.

Page 40 of 54
 4th Week

Credit In Charge credit card "Monday," I meet "mr.ımar that". He said that the
01/07/2016 banking system plays an important role in the credit department. In this
Department
section, the ability of customers to repay bank loans has full confidence.
Today I collect information about the credit department.

02/07/2016 Credit "Tuesday" Today I'm going to a lot of requests from people who want to
Department enjoy the credit and said that implementation depends on the 5C year.

 the intention of qualifying payments

 Adequacy capacity to use the funds and income-term profitability
"gets.
 To address the risk of financial stability Capitan-
 The Parties between two conditions- General Terms and Conditions

 Collatera

l- implies additional securities.

And all day, "Mr. Imran" has been with me.

04/07/2016 Credit "Wednesday" "Mr. Imran" I said that the purpose of managing the credit risk
Department of the credit department of the bank, credit risk the central bank kept Ltd.,
corresponds to individual loans and advances recovery or collection fees.
Today, this credit card, do the following;

Credit Approval Process:

 Corporate Loans
 personal loans

Data collection and monitoring activities:

 Recovery
 Risk Management

Page 41 of 54
05/07/2016 Credit In "Thursday," I still corporate loans, personal loans, and credit recovery
Department department, including risk management, carries out its activities. "Mr. Imran"
to learn about this process helped me and this is a very challenging task.

06/07/2016 Credit "Friday" Today I collection and credit department head guide "Mr. Rameez
Department Asif", presentation of credit loan package for credit risk assessment, we have
prepared a checklist. He, in this section, because we're preparing a list of
credit rating and risk control credit credit collection presentation package that
they say is the most important part of the credit department. Because a day
and a half, do my work up to 12 hours.

07/07/2016 Credit . "Saturday" the day I produce Laser Pro system to give business documents
Department debt to the bankers. Review for accuracy before sending the document to the
bankers Assist, and is a very powerful experience for me, "another analyst
Mr. Rameez Asif Laser Pro Doc" led me to this section.

Page 42 of 54
 5th WEEK

08/07/2016 Credit Department "Monday," I am depending on the circumstances, reporting the results of bankers
and heads of relevant department, assigned to the financial analysis was completed
some assessments and in the process, "Mr. Imran" How can this process lead me? I
have all day financial analysis, some to finish and a lot of work today, because I am
very tired today.

09/07/2016 Credit Department "Tuesday" I first security grants credit department, you can get more information
about securities. Previously when an application can not offer any concrete security
guarantees in order to protect them from personal harm can rely on bankers
advances. Cash is not paid in full until the SIP switch 2 single pledge, it secured a
special positional features.

11/07/2016 Credit Department And "environment" OG's "Mr. Imran" On mortgages, mortgage and bills
introduced me to the rest of the securities lending department.

12/07/2016 Credit Department "Thursday" "Mr. Imran", he said in a category, we asked them to employees. And
these categories; 1) buy car 2) Salary loan correspondent) Mortgage loans month.

13/07/2016 Operation "On Friday," I learned that fulfill some of the activities of Operations, NDA
Department

14/07/2016 Remittance & Credit The "Saturday," I have performed some activities that I found in these departments.
Department

Page 43 of 54
 6th WEEK

My 6 and last week I try to understand the principles of good decision-making

system, to spend time with bank managers to see the careful daily work, the Central

Bank was an interesting week, and most importantly, to observe and HR to learn their

applications. So spend the last full week with the bank's executives and spend time

with them, I learned a lot

4.5- Summary of learning:

In my internship gain the experience of working and also gain that how I deal with the

customers for my organization. In my internship I performed many departments like

Operational departments, Remittance departments, Credit departments. This

internship influence my career plan because in this program I get and experience and

the confidence to face different types of people. The presentation which is held in

class room and internship program improves the confidence level of the student that is

why I correlate internship program with class knowledge.

Page 44 of 54
 CHAPTER NO. 5
CONCLUSION
5.1- Conclusion:
Banks plays an important role in economic growth. NBP is undoubtedly a positive

factor in this context, but may take some moments are more effective and efficient

services.

As global environmental problems and completely changed, and that creates

competition among banks. So all the changes taking place around the mind should be

directed banks to develop and change, keeping harmony.

Page 45 of 54
 5.1.2-Horizontal and Vertical Analysis of ICI (2011 -2012)

Vertical Analysis:

Profit & Loss Account 2011 (%)

Net Commission And Toll Income 100
Budget 88.5
Gross Profit 11.5
Distribution Expenses 3.1
Administration & General Expenses 3.7
Operating Results 4.7
Financial Charges 0.8
Other Operating Charges 0.4
Other Operating Income 0.9
Profit Before Taxation 4.3
Taxation 1.5
Profit After Taxation 2.8

Balance sheet 2011 (%)

Total Equity And Revaluation Reserve 47
Noncurrent Liability 8
Current Liability 45
Total Equity And Liability 100
Noncurrent Assets 53
Current Assets 47
Total Assets 100

Horizontal Analysis:

Profit & Loss 2012 (%)

Net Commission And Toll Income -2.3
Distribution Expenses -0.7
Gross Profit -13.3

Page 46 of 54
 Selling & Distribution Expenses 5.5
Administration & General Expenses 7
Operating Results -31.7
Financial Charges 12.7
Other Operating Charges -35.8
Other Operating Income -22.2
Profit Before Taxation -34.8
Taxation -31.5
Profit After Taxation -36.4

Balance Sheet 2012 (%)

Total Equity And Revaluation Reserve -1
Noncurrent Liability 19
Current Liability 1
Total Equity And Liability 1
Noncurrent Assets 19
Current Assets -14
Total Assets 1

Horizontal and Vertical Analysis of ICI (2013 -2014)

Vertical Analysis
2014 2013
Sales 100% 100%
Cost Of Sales 61.16% 50.96%
Gross Profit 38.84% 49.04%
Administrative Expenses 7.55% 6.96%
And Distribution Cost
31.29% 42.08%
Finance Cost 2.20% 1.64%
Other Expenses 2.66% 3.45%
26.43% 36.99%

Page 47 of 54
Other income 1.99% 2.91%
Share In Profit Of Equity 0.06% 0.37%
Accounted Investments
NET PROFIT BEFORE 28.47% 40.26%
TAXATION
Provision For Taxation 10.08% 14.49%
NET PROFIT AFTER 18.40% 25.78%
TAXATION

Horizontal Analysis
2014 2013
EQUITY AND
LIABILITIES
ATTRIBUTABLE TO
EQUITY HOLDERS OF
FAUJI FERTILIZER
COMPANY LIMITED
Share Capital 150% 100%
Capital Reserves 102.92% 100%
Revenue Reserves 89.62% 100%
110% 100%
NON - CONTROLLING 92.62% 100%
INTERESTS
TOTAL EQUITY 106.42% 100%

NON-CURRENT
LIABILITIES
Long Term Borrowings 135.34% 100%
Deferred Liabilities 104.09% 100%
122.01% 100%
CURRENT LIABILITIES

Page 48 of 54
Trade And Other Payables 114.73% 100%
Interest And Mark-Up 62.20% 100%
Accrued
Short Term Borrowings 87.63% 100%
Current Portion Of Long
Term:
Borrowing 107.73% 100%
GOP Loan 309.88% 100%
Taxation – Net 113.01% 100%
106.66% 100%
109.44% 100%

5.1.3- SWOT ANALYSIS

 Strengths

 Weaknesses

 Opportunities

 Threats

1) In strength State bank, the State Bank of Pakistan, so that the constant

contribution of Pakistani nation has confidence in the Bank. Because,

therefore, it increases with the passage of time deposits of banks. Pakistan

National Bank branch does not work in the gardens of the city has been

working as an agent of the State Bank of Pakistan. National Bank of Pakistan,

the government deposits a variety of tastes. Organization, Pakistan, PIA

Railways, WAPDA, Sui gas because the agency agreements. National Bank of

Pakistan, the country's largest commercial bank and has total deposits of Rs.

Page 49 of 54
 And it was the first bank to deposit Rs +362870000000. 350 billion. NBP

increased pre-tax profit of Rs. 6.05 billion.

National Bank of Pakistan is now the largest financial institutions and 23 foreign

subsidiaries in 1428 increased by Rs.310 billion in local assets. Bank on agriculture

and property financiers in operation. Money collected from different churches and

deposited with the National Bank of Pakistan. In order to facilitate the customer NBP

is as follows offers a wide range of financial products:

 Credit Cards

 Currency Bearer Certificates

 Bank account daily

 Traveler’s checks, etc.

2) In weakness the lack of implementation of rules and regulations:

Because NBP government. Belonging to the organization, so that the lack of

implementation of rules and regulations. Although the operating status of the NBP

cultural exchange program is not up to standard. NBP employees are taken on the

basis of favoritism or corruption by other means. Because things are not proficient in

the wrong personnel policy of the NBP employees. NBP is not smooth and continuous

promotion system. Especially unfair promotional tools used to take courage managers.

Do you have a strong impact on the performance of the organization NBP to wrong

selection criteria for workers due to individual differences? So over time, individual

differences to undermine the good intentions of the organization, which improves.

Compared to other banks in the country to keep a record of NBP branch is not the

Page 50 of 54
main use of computers. Union NBP strong influence on performance. Thus, it is not

possible to punish the violation of senior management and screams. This organization

which is fast and efficient decision making within the organizational structure of

bureaucratic obstacles.

3) In opportunities Housing, transportation and other durable enough banks on

the basis of the needs of consumers as goods are not funded. Since the launch

of these services, the bank may use more resources. NBP by investing in

capital markets in foreign countries can enjoy the beautiful backdrop base.

Until recently, banks are not perceived as a purely commercial banks face, and

to expand its operations, the Bank can start making a good return on

investment banking investment portfolio. It can through the establishment of

new branches in foreign countries to expand their businesses and enjoy the

NBP profit.

NBP lot for pleasure, you can enter a wide range of bonds.

NBP despite poor customer service, people still come to government because of the

NBP. The bank gives the central bank to raise the overnight deposit and possession

for many positive steps to compete with their competitors, they feel themselves safe.

You can create investment consulting services to help clients in these securities.

4) In threads No. Bank of Pakistan is increasing over time. Because poor

customer service and poor working conditions that the NBP may be able to

lose market share in the future. In our country, unemployment is increasing

Page 51 of 54
with inflation. That is because of the increase in food prices, the nation's

economy will fade. That poses a threat to the banking sector. In the future, the

bank's deposits will fall. In the NBP government. Policies have a strong

impact. A small change in government. Policy may affect the performance of

the bank. It must work within the framework of the Bank's regulatory

framework.

Page 52 of 54
 CHAPTER NO. 6
RECOMMEDATION
6.1- Recommendation:

6.1.1 Proper planning:

Bank transfer to a war footing to make a plan for its restructuring efforts and the need

to restore the function of a global database again. In addition, the bank must tighten

controls on spending.

6.1.2- computer use:

Time to save clients and other clients, bank account and other systems must take a

computerized system for refueling. This will increase the efficiency of the bank. I

know that some industries are computerized, but the country's many branches in

different cities, it is not computerized. Thus, the bank is obliged to place all its

branches in the country.

6.1.3- Acceptance:
Advertising campaigns throughout the year to encourage bank people should start

saving habits. The countries to receive bank deposits and money are free to open more

branches in remote areas. Bank branches in all major cities need to provide similar

facilities. Service and other objects is much better than the standard small town.

6.1.4 Good governance:

When the bank customer opens a bank account, he knows the procedures to be

completed pulled him and pay-in-slip should be provided with a booklet that provides

so such a plan induction must adopt a little later behavior at the expense of the

customer a lot of time will save the banks.

Page 53 of 54
6.1.5- Business Section:
National Bank of Pakistan Billing System needs to be improved to make it easier for

customers and employees. Such collection business accounts, cash counter, and they

should then be divided among employees as registration.

6.1.6- Control expenditures:

The cost is too high and should be checked as necessary.

6.1.7- Borrowing at low prices:

Deposits must be taken is given at a lower price and a higher interest rate.

Page 54 of 54