Professional Documents
Culture Documents
UNIVERSITY OF GUJRAT
Date of Submission
ACKNOWLEDGEMENT
Every praise is due to Allah alone the merciful and teachings of His Prophet (Peace and blessings
be upon him) who, for ever, a torch of guidance and knowledge of kindness as whole.
I would like to thank,
Almighty Allah whose blessings are always with me.
To my teachers at all my stages of study who always guided me in right direction.
To all my friends from whom I learned much.
To the staff of the National Bank of Pakistan civil line branch, who fully cooperated with me in
the completion of my Internship.
Table of Contents
1. Executive Summary............................................................................................... 5
Part-I........................................................................................................................... 6
2.1 Introduction: ...................................................................................................... 6
2.1.1 Scope: ................. ........................................................................................... 6
2.1.2 Aim: ............................................................................................................... 6
2.1.3 Objective ....................................................................................................... 7
2.2 Overview of the organization............................................................................. 7
2.2.1 Brief history................................................................................................... 7
2.2.2 Nature of the organization............................................................................
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15
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1. Executive Summary
This report is based on internship in National Bank of Pakistan. It is a famous and apparent bank of
Pakistan. National Bank of Pakistan maintains first position in banking sector in Pakistan. This is the
report based on my internship period and all the time which in have spent in the National Bank of
Pakistan and learn a lot about the banking sector activities and it will help a lot for me in future times and
will be help in practical life.in so many ways as it has been described in the report contents and all this
based on personnel learning.
This report highlights the operations and functions of National Bank of Pakistan. NBP act as financial
agent to its customers in return it gets reward for its services in the shape of profit. Being a Government
owned institution it plays an important role in development of society as well as in development and
growth of the economy. According to international standards of banking system it is one of the best bank
in South Asian regions well as the bank of the year 2008. This report explains how different functions of
NBP work and what are their services.
This report contains SWOT analysis, PEST analysis, and overview of National Bank of Pakistan. There
are also stated the activities which I performed during my internship in the branch. In this report also
discuss the industry analysis of banking system in Pakistan. The problems in this branch are also
discussed. Recommendations are also provided for the problems which founded.
Part-I
2.1 Introduction:
6
Every student of MBA has to undergo an internship program of 6 weeks in any organization to
get exposure of real time business environment. I am student of MBA (finance) so I did my
internship at national bank of Pakistan Randhir More Branch Sambrial. I did internship to gain
the confidence and knowledge about banking sector in Pakistan. In this chapter I will discuss the
background of study that includes the inspirational factor for choosing an organization. After that
purpose of internship program, scope and objectives will also be discussed. Research
methodology will also be discussed in this chapter it includes the methods for collecting the data.
At the end a brief summary of chapter will be provided.
2.1.1 Scope:
There is a great scope ahead what we have done as an internee. Many organizations prefer
internees as an real source for supply of labor when they start their recruitment practices. So that
is why organizations prefer them whenever they look for new fresh blood. During my internship
I try to learn as much as I can so my internship objective achieved, and cover all aspects of
banking sector to reach my targeted scope.
2.1.2 Aim
During my internship in National Bank of Pakistan the main aim of my study research was on
general banking procedures in branch of NBP. These operations include remittances, deposits,
cash department and advances. Similarly different aspects of overall of National Bank of
Pakistan are also covered in this report.
2.1.3 Objective:
The objective of internship is to apply the theoretical knowledge in practical situation to know
the environment of system. I want to achieve following objectives during my internship:
The nature of responsibilities of NBP is unique. NBP acts as an agent of SBP. It deals with
Government receipts and payments on their behalf. NBP also played a vital role in the economic
development of country. NBP diversified its business volume day by day and maintained its
positions in the banking sector. Headquarter of NBP is situated in Karachi. NBP operates 1255
branches in Pakistan and 23 overseas branches.
NBP provided its services as a trustee to National Investment Trust (NIT) under a trust deed. It
provided the safe custody of securities on behalf of NIT.NBP is a customer focused institution.
NBP has provided a wide range of products and services to expand its business volume. Schemes
are designed for middle level income of people.
NBP has taken initiatives to facilitate the overseas Pakistanis. NBP signed an agreement with
Western Union in 2002. Recently NBP has started a project Electronic Home Remittances.
Various measures have been taken to improve the structure, policies and procedures at NBP.
The countrywide oversees operations of NBP are as follow:
National bank of Pakistan was established on November 19, 1949 under the NBP
Chittagong.
The Government of Pakistan nationalized NBP in 1974 and NBP acquired the bank of
Bahawalpur.
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Vision statement:
To be recognized as a leader a brand synonymous with trust, highest standards of service
quality, international best practices and social responsibility
Mission Statement:
NBP will aspire to the values that make NBP truly a Nations bank by:
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amount of foreign exchange through exports. NBP deals with the government revenues, pensions
and collection and payment of salaries. The nature of responsibilities of NBP is unique. It deals
with three activities:
Lending
Borrowing
Investing
NBP has also played an important role in the financing the country s growing trade, which has
expanded through the year as diversification. NBP also handles the treasury transactions for the
Government of Pakistan. NBP was the first bank to introduce the scheme of credit for small
borrowers. For the rural and agriculture development NBP advances the liberal credit. Short term
loans are advanced to the farmers for promotion of their agriculture. These loans are advances
without any interest. These loans are may be in shape of fertilizers and seeds. NBP attracts large
amount of deposits and also provide large amount of loans to different sectors.
2.2.3 Business volume and rewards:
NBP has achieved its goals through the effective implementation of policies and strategies. There
are number f successes achieved by NBP.
Domestic Technology and Operations Bank of the Year 2013 - Pakistan", "Asian Banking
sell side advisory for the sale of Agritech Limited by Azgard Nine Limited (ANL)
The National Bank of Pakistan (NBP) received "Middle East Renewable Deal of the
Year 2012"award from Project Finance Magazine, a publication of Euro money PLC, for
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its role in Pakistan's first ever 100 percent Islamic Finance Renewable Power Projects
Banker.
Global finance magazine awarded NBP as Best Emerging Markets Bank 2011.
The Banker Magazine of London awarded NBP as The Best Bank of the year for the
year 2010.
In 2010 the federation of Pakistan chambers of commerce and industry awarded NBP
of Pakistan Trophy.
The banker magazine owned by financial times group London awarded NBP Bank of
year 2006.
Global Finance the world ,s leading financial journal awarded NBP as best foreign
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The Banker Magazine of London awarded NBP as The Best Bank -Pakistan for the
year 2005.
During 2004 on the basis of overall financial performance NBP has been listed Amongst
top 100 banks in the world and No 1 bank in Pakistan by the banker magazine.
The banker magazine recognized NBP as the 10 th best bank in terms of profit on
Pakistan Mr. Shoukat Aziz for its services in the agriculture sector.
Global finance magazine awarded NBP as Best Emerging Markets Bank from
Asia for its performance in the fiscal year 2003, in its issue of March 2005.
The banker magazine owned by a financial times group, London awarded NBP the
In May 2003 Global finance magazine awarded NBP as Best Banks in the Emerging
markets.
Earn up to 8.50 percent p.a + minimum balance Rs.20001/- and maximum of 1 million.
NBP convenience for online banking
Offers 2 debit withdrawals in a month
Unlimited transactions
Profit is calculated on monthly basis
Profit is paid twice in a year
Personal loan
Easy installments of 5 years
Collateral charges, insurance charges and minimum income is not required
Quick disbursement
Allows the permanent Government and semi government employees to receive their
salaries through NBP
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It provides to the landless formers on their personal guarantee a finance facility of Rs.
100000/-
Economical:
Technological:
Legal:
President
Vice President
Grade 20
Grade I Officers
Grade 18
Grade II Officer
Grade 17
18
Years
2006
2007
2008
2009
2012
Employees
13824
14019
14079
15441
16248
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decide from where to collect the funds and most important is that to take decision, where to
invest these funds for the generation of high revenue.
NBP also has a large finance department thats make financial decision for the growth of bank. It
takes the step to invest in different multinational companies. It also makes regulations how to
lend and whom to lend their funds and on what interest rate be imposed on such lending funds.
Finance department is also responsible for showing good financial statements at the end of year.
Marketing Department
This is the responsibility of marketing department to show the positive image of any financial or
non-financial institution. This department makes the strategies for the promotion of new products
and services. For the promotion purpose print media as well as electronic media is used, like
newspaper, different types of magazines, pamphlets, brushers and now most important source for
marketing is internet.
NBP is Govt. owned organization. It has a good name in market. It has created its goodwill in
last sixty years, so it does not pay series attention in this side for last some decades. Now
realizing the competition in market NBP give more attention toward this side. They use all
conventional methods of marketing, as well as they also use telephone calls to introduce the new
products with their customers.
Human Resource Management Department
HR department is the most important department in all big organizations especially in
multinational companies. NBP has a well-organized HR department. There is a well-designed
HR committee lead by Dr. Mirza Abrar Baig is workingas SEVP & Group Chief, Human
Resources Management & Administration Group. When we talk about the region level then there
are HR coordinators in regional offices and head offices. They worked as HR manager. The
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responsibility of this department is to hire the new employees, train these new as well as existing
employees and evaluate the performance of employees.
I.T department:
I.T infrastructure of an organization tells us how well organization growing in changing world. In
these days internet facility is very necessary for linking with others. National Bank of Pakistan
also performing very well in last five years for the development of I.T infrastructure. A complete
department established for handling and performing of such activities. Computer centers working
at divisional level accommodate its small branches. These computer centers performing these
activities;
Giving instructions about working of computer and software known as B.B.O (Branch
Back Office)
Receiving data of daily activities.
They try their best to update I.T infrastructure every moment.
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This means the basis by which jobs in an organization are grouped together. If I talk about this
concept relative to NBP I conclude that there is great departmentalization View in operations of
bank.
Chain of Command:
The chain of command is a line of authority, which means to whom do individual and groups
report. By analyzing the organizational structure of NBP it can be found that each and every
person knows to whom he should report.
Centralization and decentralization:
Centralization and decentralization decision making means where decision making authority lie?
By analyzing the organizational structure of NBP it can be found that the structure at NBP is
significant. All the decisions and policies are made at the top management level and the
subordinates have to obey and act upon these decisions. This trend shows a centralized decision
making pattern of inflexibility in structure of NBP.
Span of control:
This includes how many individuals can a manager efficiently and effectively direct. By
observing the management style of NBP I conclude that there is wider span of control in this
organization. NBP is a Govt. owned bank and act as an agent of SBP all over the country, so it
needs too much employees to cover all work. Wider span of control help him to control all
operations in possible minimum cost.
Formalization:
The degrees to which jobs within an organization are standardized are called formalization. This
also includes that how much rules and regulations within organization to direct employees and
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managers. As we already knows that NBP enjoys sixty years experience, so in its long time
operations it developed well formal rules and regulations to operate his business in efficient way.
Part 2
2.4 Internee work
Internee work is the main assessment area of report in which I have tried to explain the activities
that is performed by me during the internship period.
2.4.1 Brief Introduction of internees office/branch:
I have done my 6 week internship in the national bank of Pakistan Randhir More branch.
Name of the Branch:
Branch Code:
1319
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Region/Circular:
Sialkot
Regional Code:
16
Name of Manager:
Number of employees: 8
Phone Number:
052-6522205
Email Address:
manager1319@nbp.com.pk
Status:
Online
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22-08-13 I work in branch and filled 16 scrolls of different category all of the day. And at the end
of the day I learnt to make summary of the all Collection and Payments. And learnt to fill the
check and transfer the cash to cash office.
23-08-13 I have independently and in compliance with all scroll of another category. At the end
of the day prepare the data (The registration Payments). And I have completed review and
presentation of the Cash Office.
All employees of the branch were more cooperative and I have learned a great deal with The
collections and pension.
Week 2
Supervisor: Mr. Ijaz Ahmad
Activities
26-08-13 I have completed the payment order cheques and also the vouchers above and also
issue the cheque book. There are different levels of account holder and not the holder of an
account.
27-08-13 On the next day I learnt about how an account opened into the bank while watching my
supervisors.
28-08-13 I have filled cheques for the customers who have direct interaction with the branch. I
have also filled up the utility scrolls for the PTCL and WAPDA bills.
29-08-13 Open an account for a customer that account was the PLS account and I have also done
some work on utility scrolls.
30-08-13 That was my last day in this section. I have nine hours at the Bank. All day long I have
all the works of the section for vouchers, entering of vouchers, and the entry of traveller's
cheques, control of balance, reporting and compensation reports.
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Week 3
Supervisor: Mr. Hammad Hassan
Activities
02-09-13 In the 3rd week of my internship I have done some work in the sections of loans and
very first day of week I have filled the form of loan.
03-09-13 I have filled the form for the loan applicants and I have also reviewed the satisfaction
of customers that are linked with that branch of bank.
04-09-13 I work on ledger of branch and I see there are some borrower who does not paid their
loan amount yet then I filled a notice for them to make there payment.
05-09-13 I have opened account of AGF for the customers and also lean their loan ledger and the
formulas of calculating their interest rate, discussing the loan amount and their market value.
06-09-13 Work on the AGF ledger and learn about the types of loan that the branch is providing
like cash finance, demand finance, running finance and the major is agriculture finance.
Week 4
Date Supervisor: Mr Ijaz Ahmad
Activities
09-09-13 In this week i have spent the time the deposit department of branch. I work there and I
see whole activities relating to that department.4 sub section are attached with it.
1. Cheque approval
2. Cheque posting section
3. Payment section
4. Receipt section
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10-09-13 I have filled the cash and deposit vouchers. I completed about 30 vouchers. I also have
the total quantity of the last six months of the receipt of the payment and balance. I
have made the summary of each month on page separately.
11-09-13 I have taken into account in cheque posting section in which cheques are posted in EBS
(Electronic Banking). I posted the in cash payment and cash received and I have also examined
whether the balance of the customers.
12-09-13 On that day I have only filled the vouchers and I also reviewed the balances of account
holders and their signatures.
13-09-13 I have spent the time in in doing the same things in the dept. I work on EBS.
Week 5
Supervisor: Mr Afzaal Ahmad
Activities
16-09-13 I have learned and a collection of cheques transfer cheques, so I have this task in the
course of the day. I have 60 cheques for a transfer of appropriations. I have also met well for the
submission of types and cheques. I have also helped (officer in the Department of) on the
issue of new cheque books for the customers
17-09-13 I was with the work of a customer dealing department. As I routine filled vouchers for
its customers from the types and cheques for deposits in their accounts and also collect 70
cheques for transfers. I also opened 10 to 12 new account that day.
18-09-13 On the 3rd day of week I have worked in the remittances department and the officer of
that department tell me how it work.
19-09-13 I have filled voucher for the customers and also filled cheques. At the end of day I
made a summary of all activities that is performed that day.
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20-09-13 I have work in the foreign exchange department of the branch that is very important
department in bank. My supervisor told me all the information related to foreign exchange and it
work in bank.
Week 6
Supervisor: Mr. Afzaal Ahmad
Activities
23-09-13 That is my 6th week of internship, my supervisor told me working of that department
and I learned from him by observing him.
24-09-13 Next day I have attend the cash department of the branch and see their activities that
are engaged into managing the cash payment and the cash received.
25-09-13 On 3rd day of weak I clear the cheques that are for cash and I also recorded all the
payments and receipt into the computer.
26-09-13 A have make some good positive discussion with all my supervisors about the banking
that is very helpful for me.
27-09-13 That is the last day of my internship and there are as grand party for all the internees
and managers told me about my performance and give me my internship latter with their best
wishes.
2.4.5 Detailed description of the departments
NBP Randhir More branch have a number of department to run different services for the service
to large number of customers. During my internship period I tried to learning the tasks that is the
basis of the departments. These departments in which I worked are discussed one by one.
Application
Account opening form
Information about customer form
Specimen signature card
CNIC attested photo copy
Next of kin attested CNIC photo copy
Income source
Residence proof
In case of illustrate person passport size picture required
Partnership Company:
A copy of the registration certificate in the case of the company has registered
A copy of the start of the certificate affairs
A copy of the Agreement and Article Association Agreement
For the Opening and operating, account list of members of the Board of Directors
Dormant accounts:
If a customer does not transaction six months after six months, he will consider as dormant
account.
Unclaimed account:
It is the account that is considered as unclaimed account after three year and manager has
responsibility to close the account or leave it in this state.
Collection/clearing department
NBP offers the facilities like the collection and approval of payments to its customers. The
department contract with the cheques from different banks. When the deposits cheque of another
bank deposited by the customers, branch sent these cheques to NIFT for the purpose of
clearance. And also receives the cheques that are drawn in him.
Two types of clearing via NIFT:
1. Inter city clearance
2. Outer city clearance
Procedure for clearing of all cheques:
It involves in receiving cheques and other instruments of the submission and the fixing of the
clearing, as well as other required stamps. Entry pass into the book, sum of all amount, attach it
to with the cover of bundle, and after signature of the account holder these documents are send
dend to the clearing house department for clearance. We have also received the cheques by the
other branches and our authorized officers verified it after that these cheques are cleared.
Deposit department
NBP collect the deposits from those who have too much money and they want to save their
money in banks. This bank will collect the deposits from people in different forms.
There are three types of deposits that is used by the customers.
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Demand deposit
Time deposit
Profit deposit
Demand deposit
These deposits can with drawn at any time. Not-for-profit for the period for the conservation of
the deposit account in six months and there are normally low rate in comparison to the fixedterm deposits.
Time deposit:
These deposits can be withdrawn for a certain period of time is to say 1 month, 3 months 6
months, 1 to 10 years. The profit is higher than the demand deposits.
Profit deposit:
In profit deposit there are two types of accounts.
Current account:
It is the account in which no profit is paid to account holder and also no zakat deduct.
PLS account:
In such types of account, customer enjoys a normal profit on deposits semiannual basis, and
zakat deduction shall apply to this account.
Pension payment Department:
NBP have a pension payment department performs the function of the payments of pensions for
the Govt. pensioners of the region.
The three categories of the basis of pensioners are as follows:
Simple pensioners
In this category are only army retired pensioners, police pensioners, the field of education of the
people and institutions to make any other person and receive their pensions from the NBP.
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EOBI pensioners
In this category only these people are involved which are retired from Govt. organization or
factory and from private organization. These pensioners receive their fixed pension from NBP.
DD purchase pensioners:
Pensioners are received their pension through demand deposit.
Remittances departments:
NBP provides the money transfer facility to its customers. Now they can easily transfer their
money from one location to another and that facility is provided by the Remittances department
of bank. They use various instruments such as DD, PO, TT and MT the transfer of money.
PO (Payment order)
PO is same as DD. This is a written order of a bank on the same part of the Bank to pay a certain
sum of the person. It means that this is a bank own payment but in practice also issued to
customers. Registration of all delivered and paid PO will still be in a file.
DD (Demand draft)
DD is a negotiable instrument. This is a written order a branch of the other part of the same bank
or any other bank in the payment of a certain amount of a person be specified. It bears the
signatures of two authorized officers and thumb impression not be accepted.
Four parties are involved in DD:
Buyer
Receiver
Issuing branch
Drawee branch
MT (Mail transfer)
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In MT there are same banks involved. This is the transfer of funds from one branch of the bank
in another branch within or outside of the city. The procedure is also for DD. MT for a different
bank.
TT (Telegraphic Transfer)
It is true such as MT but there is something else TT allowed the other bank to certain
arrangements. It is non-negotiable and minors are not access to the facility. There are four parties
involved in it.
Applicant
Drawer Branch
Drawee Branch
Receiver
Credit department:
Credit department is the most important department in any bank. Credit department of NBP
provides loan to customers who are eligible for loan. It is the important source of income of
bank. Department get the applications from customer who want to get loan and processes it
further. After the analyzing of information then they decide that whether the loan is approve or
not.
Following products are providing by the NBP.
Cash department:
Cash department is responsible to hold the detailed information about demand of cash from their
customers as initial balances, cash payments, cash receipt, and ending balances.
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Account opening form file prepared ad evaluate that they are completed.
Remittance department:
In this department I was assigned a task to operate the western union software.
I was said to check how it works like the issuance of amount to customers that were sent
to them from foreign countries.
Advance department:
loans.
Renewal forms for the loans are completed by me.
Check the ledger of borrowers if there is someone who returns loan his name from the list
I removed.
Cash department:
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attention of employees, each has in the course of their own activities and person in the time that
I was. It was very important to get the attention of all management. But very Soon got success in
making the positive relationship with all the management. Initially i worked in the department of
general banking where I got the communication skills representation of my organization and the
values in achieving goals.
Sometimes I have worked with my managers and I learned the things involved how to deal with
customers, how manage employees and how we can create the link outside from branch. During
my 6 week internship I have got a chance to represent my branch as spokesperson to obtain the
useful information from the people and deliver the branch required information their door step. I
have also learned the cooperation with the seniors from my internship and I have obtained the
knowledge of account opening, cheque filings, filling the cash slip etc.
Responsibilities during internship:
During my internship time period the main objective of mine is to get know how working of all
financial institution, reputable national and multinational organizations. Our department
performing their responsibilities very well for the students to achieve their objectives. With the
program of internships my information such as development of good relations with other helps
me to achieve my plans for the future. In the course of internships I learned to manage my tasks
and responsibilities of short duration during internships I held my responsibility as a responsible
for recovery recover loans has expired. In my responsibilities one of is holding the cheque book
in custody during the working time of bank and issue it to customers. It is the responsibility on
me to make peon book keep record advanced.
Influence of internship on Future Career:
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As a student of the management at this stage I need in the course of my plans for the future and
future scenario designed by jobs and the requirements of the jobs in the market. Internship period
influence on my plans for the future because I had the opportunity to learn to develop my
personality characteristics in accordance with the world of today needs. Internship is an activity
that enhances the student life by knowing the valuable practical knowledge and told how it is
possible to work in todays competitive market where all is on higher level. It motivates me to
work hard in future by give them your best expertise.
Correlation of internship activities with classroom knowledge:
In the classroom the things were known for us, our teachers and also directed us internship
period I come in reality this is in its banking system. Internship helps me out to correlate the
practical experience with class room knowledge. Internship gives me opportunity to raise myself
according to world rapidly changing. First I have read many different in books and I am confused
that how it matter with our actual life. When I did my internship of 6 week then I have chance to
implement the book concept and knowledge into actual life. Every person have different
observations, judgments, concept butt I believe that internship that I have done that is highly
correlate with the class room activities and will be very beneficiary in my future success.
3. Conclusion of internship report
3.1 Summary of key conclusion:
The report that I have prepared is all about National Bank Pakistan that is one of the most
important banks of Pakistan banking industry with 1254 branches in Pakistan and nearly 25
branches in other countries, in particular the United States, Azerbaijan, France, Hong Kong, ,
Bangladesh, China, and Hong Kong. NBP maximize his facilities by providing online services
40
and ATM that work worldwide. NBP was incorporated under the ordinance of 1949. The
objective of the NBP to buy Jute from the producers in the East Pakistan and also to perform
commercial banks functions in the country. National bank of Pakistan is an important part of
state bank of Pakistan that has the major strength of it. Bank is providing different facilities to
their different customers according to the wish of customers. Within the bank in branch of NBP it
has different department like cash and credit department, account opening department, clearance
department, deposit department, customer care services department, and remittances department.
The most common are these departments that are in almost every branch on bank. It offers
various deposit choice, advances, funds and securities, etc. for its customers. National bank of
Pakistan has too much power that is not available for other commercial banks in Pakistan. It has
the biggest market for the improvement because their branches in each rural and urban areas. The
challenge for the NBP that is facing as it is currently lack of the implementation of the rules and
regulations can lead to a low culture organizational structure, the old organizational values and
customs, no regular motivated practices and not much use of information technologies in the
Bank as the other. There are so many unions of worker and employees in the banks so they play
organizational politics rather than doing some productive work. As analysis national bank of
Pakistan is most growing banks in the Pakistan with highest gain on their capital, immense
market share among all the Pakistani banks and cost to income is higher in banking industry. But
there is some need for the improvement and betterment for the bank to overcome its weaknesses
and sustain the title as Asian tiger in banking industry.
3.2 General observation about institution:
I have done my internship in national bank of Pakistan Randhir More branch. I have performed
valuable services in my internship sector for their customers. If we look in the past 10 to 15 years
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we can see that there involvement of more banks for economic growth of Pakistan But in the
course of the last ten years, the performance of the banking sector in unbelievable. State banks of
Pakistan has also involved in the creation of more banks and regulating the market. . SBP and
other commercial banks meet the needs in the time of difficulties. The banking industry is
helpful in the creation of more jobs in country that approve as reduction of unemployment. The
banks offer a good opportunity for all young graduates to work together as they have opened a
number of branches in small towns. Banks play an important role in the movement of money
useful for the execution of economic strategy. The banks offer the following facilities for loans
that help in the fulfilment of short term and long-term needs.
Weaknesses
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Opportunities
Far-reaching economic
Expansion of the network
Banking services in line
The Bank deposits
It can play a vital role in the economy because of SBP Agent
The increase in credit lines
Consultative services
Issuing of bonds
Introduction of new products and services
New grace of management
Islamic banks
Micro-finance
Threats
4. Recommendation
To further add some contribution for the efficient and better performance NBP as an organization
in general and of the branch in particular, I am giving some recommendation or suggestions
which are as follow.
multiple task at a time so that why work burden increased on the employees.
During the initial days of months there are rush in the bank for salaries and pensions an
from them.
There is a large gap of communication between headquarters and branch offices so there
must be a direct link with Head Quarter because it will help to management to get easily
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An investigation team should be formed to investigate the market situation and date must
be keep fresh.
5. References
http://www.scribd.com/doc/55560054/1/DEFINITION-OF-BANK
http://www.nbp.com.pk/AboutUs/index.aspx
http://www.nbp.com.pk/Aamdani/index.aspx
http://www.nbp.com.pk/Premium/index.aspx
http://www.nbp.com.pk/Saibaan/index.aspx
http://www.nbp.com.pk/advancesalary/index.aspx
http://www.nbp.com.pk/cashcard/index.aspx
http://www.nbp.com.pk/Margin/index.aspx
http://www.nbp.com.pk/CashnGold/index.aspx
http://www.nbp.com.pk/KissanTaqat/index.aspx
http://www.nbp.com.pk/KisanDost/index.aspx
http://www.nbp.com.pk/Pakremit/index.aspx
http://www.nbp.com.pk/ProtectionShield/index.aspx
http://www.nbp.com.pk/karobar/
http://www.scribd.com/doc/35703077/Internship-Report-on-NBP
http://www.scribd.com/doc/56505031/Zahoor-Final-Report
http://www.nbp.com.pk/AboutUs/Vision.aspx
http://www.nbp.com.pk/AboutUs/Mission.aspx
http://www.nbp.com.pk/AboutUs/CoreValues.aspx
http://www.nbp.com.pk/AboutUs/Goals.aspx
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http://www.scribd.com/doc/35703077/Internship-Report-on-NBP
http://www.nbp.com.pk/AboutUs/BOD.aspx
http://www.nbp.com.pk/BRNTWRK/AtmFinder.aspx
http://www.nbp.com.pk/BRNTWRK/DomesticBrLocator.aspx
http://www.nbp.com.pk/BRNTWRK/IslamicBrFinder.aspx
http://www.nbp.com.pk/BRNTWRK/OnlineBrFinder.aspx
http://www.nbp.com.pk/BRNTWRK/OverseasBranchFinder.aspx
Khizer Usman FMAS
Roll # 10050920-057 Page 54
http://www.nbp.com.pk/BRNTWRK/SwiftBranchFinder.aspx
http://www.nbp.com.pk/BRNTWRK/CFCFinder.aspx
http://www.nbp.com.pk/AboutUs/Awards.aspx
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