Introduction:

National bank of Pakistan is the largest commercial bank operating in Pakistan. Its balance sheet size surpasses that of any of the other banks functioning locally. It has redefined its role and has moved from a public sector organization into a modern commercial bank. The Banks services are available to individuals, corporate entities and government. In todays competitive business environment, NBP needed to redefine its role and shed the public sector bank image, for a modern commercial bank. It has offloaded percent share in the stock market, and while it has not been completely privatized like the other three public sector banks, partial privatization has taken place. It is listed on the Karachi Stock Exchange. National Bank of Pakistan is today a progressive, efficient and customer focused institution. It has developed a wide range of consumer products, to enhance business and cater to the different segments of society. Some schemes have been specifically designed for the low to middle income segments of the population. These include NBP Karobar, NBP Advance Salary, NBP Saiban, and NBP Kisan Dostand NBP Cash N Gold. It has implemented special credit schemes like small finance for Agriculture, Business and Industries, Administrator to Qarz-E-Hasna Loans to Students, Self Employment Scheme for Unemployed Person, Public Transport Scheme. It has taken various measures to facilitate overseas Pakistanis to send their remittances in a convenient and efficient manner. In 2002 the Bank Signed an Agreement with Western Union for expending the base for documented remittances. More recently it has started Electronic Home Remittances Project. This project introduces technology based system to handle inward remittances efficiently.

National Bank of Pakistan has built an extensive branch network with 1265 branches in Pakistan and 22 overseas branches. The Bank has representative offices in Beijing, Tashkent, Chicago, and Toronto. It has agency agreements with more than 3000 correspondent banks worldwide. National Bank of Pakistan is a government bank. Its principal activities are to provide commercial banking and related services in Pakistan and overseas. The Group handles treasury transactions for the Government of Pakistan as agent to the State Bank of Pakistan. It has its Head Office in Karachi. The bank has 1254 domestic branches. In addition, NBP has 22 overseas branches.

DEPARTMENTS OF Internship
During the internship period of 6 weeks I got training in various departments in the branch. Government Department Credit Department HR Department Foreign Exchange department

Work Done By Me 1 week

I serve whole day in Govt. dept. and see what type of work is done in this dept. This department has 2 sub sections. 1. All Govt. Collection Passport fee Agriculture tax Property tax Domical fee Token fee Utility Bills

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FBR Income Tax Sale Tax Excise Tax 2. All Govt. Payments Pension payments Provisional Federal Railway

July 23-Monday
2nd day I worked in Govt. dept. He told me that this section performs the most important job of customer dealing. Than I filled the GOVT. DEBIT SCROLL and GOVT. CREDIT SCROLL all of the day. In GOVT. DEBIT SCROLL entered data all of the Govt. Payments separately (like Provisional Federal, Railway) In GOVT. CREDIT SCROLL entered data of the all of the Govt. Collection separately (passport, FBR).

July 24-Tuesday
3rd day I worked in Govt. dept. same like 2nd day. And I filled 12 scroll of different category (Provisional, Federal, Railway passport, FBR) . We can enter 30 vouchers in the 1 scroll and take original scrolls for attachment with final report.

July 25-Wednesday
4rd day I worked in Govt. dept. And learned to fill the cheque.

July 26-Thursday
6th day I didnt do any work.

July 27-Friday

Again they didnt give me any work.

2nd week
This was my eight day in NBP. I reached there before time. This week again I work in Govt. dept. but they didnt give me any work.

3rd week
August 6-Monday
This was my 1st day of the 3rd week in NBP. I reached there before time. I met with the manager. The manager sent me to the credit department. Credit department has two sub sections namely; 1. Retail section 2. Advance section I attached with Miss Tehmina Batool. She is the credit officer in the credit department. She tell me about the credit department.

August 7-Tuesday
Second day of 3rd the week, Miss Tehmina told me about the Retail section that this section works for retail banking. She told me that this section operate three function namely; 1. NBP SAIBAAN

2. NBP KAROBAR 3. NBP ADVANCE SALRY In SAIBAAN the national bank of Pakistan gives loan to general people (businessmen or salaried person) for home construction, home improvement, home purchase and land and building. In NBP KAROBAR the national bank of Pakistan gives loan to general people neither businessmen nor salaried person) for transport like Rickshaw, Chand Gaari, and this loan up to RS.70000 only. And NPB gives loan for Tele centre up to RS.650000. And for Utility store up to Rs.200000.

August 8-Wednesday
Third day of the 3nd week in the NBP, Miss Tehmina told me about NBP advance salary. NBP gives up to 20 month advance salaries to GOVT. employees and Semi GOVT. employees also. But NBP preferred GOVT. employees. And this loan gives to only permanent Govt. employ not contract based employee. And here is a reference also compulsory. And I was updating the account holder name.

August 9-Thursday
Fourth day of the 3rd week in the NBP, Miss.Tehmina said me about BCIL (business credit information limited). This institute is provide the worthiness about the customer and told all information about customer/creditors to the bank. Example: suppose I want to give loan from NBP. And I provide all information to bank. Bank will send all information to BCIL. And then BCIL will check all information and send report to bank. Than bank pass the loan.

And told me that we offer 5 types of loan namely; 1. Cash Finance 2. Running Finance 3. Demand Finance 4. Agriculture Finanace 5. Staff loan (entertained by H.R manager. And told me about Security, she said security has 2 types; Primary (stock) and Secondary (mortgage,land & building)

August 10-Friday
6th day of the 3rd week, Madam told me about all 5 types of loan. Cash Finance: it has two types Hypothecation in which customer can use his property but charge of property with bank. And in Pledge position and charge of property both property of bank. And charge 13 to 14 % interest.

Running Finance: madam told me that under this, NBP offers TDR (term deposit receipt), Cash margin, DSC (defense saving certificate). And bank interest charges annually. Demand Finance: in the demand finance NBP offer more than 3 years loan Agricultural Finance: they are purposive, long term, seasonal.

4th week
August 13-Monday
This week again I spend in Credit department with Miss Tehmina.

5th week
August 27-Monday
I spend my 5th week with Hr Manager who is very nice and polite person Today I have prepared Liability statements of 3 officers and also make salary amendments At the end I prepare sheet of HBF (house building Finance)

August 28-Tuesday
Today I have completed my pending work of HBF sheet it takes a whole day and at the end I got appreciation from HR manager.

August 29-Wednesday
Today I fill the medical bills & TA bills and make letters of provident fund directed towards Regional office.

August 30-Thursday
Today I performed additional duty with CFO(customer facilitation officer) Whole day I have spend filling slips of cash & checques

6th Week
This week l spend in Foreign Exchange Department. He tell me about the E-Form and give me many E-Forms to fill.

Conclusion:
The report is all about National Bank of Pakistan, one of the leading banks of Pakistan banking industry. National Bank of Pakistan (NBP) was established under the National Bank of Pakistan Ordinance 1949. The primary objective of NBP was to purchase jute from the growers in the former East Pakistan and also to perform the commercial banking functions in the country.

It is a part of State Bank of Pakistan and it is its major strength. It is providing different facilities to its customers. Inside the bank, in branch banking it has Clearing and Collection Department, Government Receipts Processing Department, Account Opening Department, Remittance Department, Customer Services Department Cash Department, Deposit Department, Advances and Credit Department. These are the most common departments exist in almost each branch. It is offering different deposit choices, advances, credits and securities etc for its customers.

Its Human Resource is its major strength that is leading this bank in this way but there is much gap to cover yet. The other strengths this bank has are that it is acting as Agent of State Bank of Pakistan, providing Agency Arrangements for different government organizations include WAPDA and PIA, Profitability and a vide coverage throughout Pakistan through its Corporate Branches. And also it has comprehensive range of products it is offering in market.

The challenge it is facing are currently the lack of implementation of rules and regulations that may lead to weak organizational culture, old organizational culture, no regular promotions practices and not much use of IT technology in bank as other are using. There are many workers and employees unions exist in National Bank of Pakistan that use to play organizational politics instead of doing productive work that leads to wastage of time.

As analysis shows that NBP is a most growing organization with highest return on capital, largest market share amongst all Pakistani banks and cost to income ratio is the highest in banking sector. But there is further need for improvement to overcome weaknesses and to maintain its position as an Asian Tiger in banking field.

As far as my internship and experience is concern, I learnt a lot during my internship because I got practical knowledge before entering in the practical life after completion of my degree. I learn a lot about banking practicing in Pakistan, rules and regulations and different procedures followed by banks, the organizational culture and structure of the bank, National Bank of Pakistan.