Introduction

The Bank of Punjab (‫ )بینک آف پنجاب‬is a Pakistani bank which is based in Lahore, Pakistan. It
serves Pakistan and functions as an International Bank and is one of the prominent financial
institutions of the country holding AA ratings from Pakistan Credit Rating Agency (PACRA).
History
The Bank was established in October 1989, pursuant to The Bank of Punjab Act 1989, and was
given the status of a Retail bank in 1994.

Overview
The Bank of Punjab was founded by Tajamma Hussain and it functions as a Scheduled
Commercial Bank, with a network of over 587 branches in Major Business centers throughout
the country.[6] It is the seventh largest Commercial Bank of the Country. It provides a wide range
of banking services including deposit in Local Currency; client deposit in foreign
currency; Remittances; and advances to Business, Trade, Industry and Agriculture. First Punjab
Moradabad (FPM), a wholly owned subsidiary of the bank, was established in 1992, and is being
managed by Punjab Moradabad Services (PVT) Ltd.
Currently, the Bank of Punjab is headed by Zafar Masood who joined as President and CEO on
April 16, 2020, after being appointed by the Government of Punjab, Pakistan earlier and later
being approved by the State Bank of Pakistan.

Retail Banking
Customer are always first priority for retail banking system and we offer a range of solution
driven and cost effective product and services that cater to all segments of society we believe in
excellence and innovation RBG been striving to capitalize on the right opportunities for a mix of
the population we provide solution
BOP has crossed the landmark of increasing its total branch network to more than 580 branches
Our diverse customer mix is what makes us proud and a true people’s bank. We offer our
services to all segments of the society, including dedicated products for businesses and
corporates, salaried class, students, minors and agriculturists designed according to their
specific needs.

Division (RFD)Retail Finance

Consumer financing is now considered a lynchpin for the revival of economic growth in
Pakistan. Not only that the sector has developed its roots and grown enough to withstand
exogenous shocks but has played a major role in improving standard of living the middle class
and lower income groups, who had no access to credit, hitherto before.
 Pakistan’s banking system by opening its doors for mortgage, automobile, and other consumer
durables, has broadened the borrower base and brought in its fold individuals who had never
used bank credit for their financing needs. BOP’s RFD is playing active role in supporting The
Government of the Punjab. The dedicated team is working indefatigably & tirelessly round the
clock even on off days for managing schemes’ undertakings starting from application collection
to accounts monitoring.
BOP is currently providing its customers with a variety of services including:
 BOP General Housing Finance
 Advance Salary Personal Loan
 Cargar Auto Financing
 Caravan Fleet Financing
 Smart Advance Cash
 BOP Solar

agriculture Loans

Nurtures the best in nature

Our Strategic Business Plan identifies Agriculture as a priority sector. Agriculture is the base on
which the edifice of national economy is built and, needless to emphasize, also constitutes the
fulcrum for poverty alleviation, employment generation and over all prosperity of the farmer.
Our countrywide network of branches, that too predominantly at Tehsil level/remote rural
locales and environs, affords us advantageous flexibility, outreach and demographic coverage
to access and serve the Agrarians at their convenience on their doorsteps. Our staff includes
over 125 professionally qualified and well trained Agriculture Credit Officers, fully conversant
with latest farming procedures and practices and well versed in customs, norms, social ethos
and aspirations of our tillers. Through our team, we are actively involved in disseminating
information, imparting knowledge and rendering practical assistance at the level of every
individual customer.
We poses the scientific wherewithal to encourage farmers to invest in state of the art
equipment, tools and implements etc. in the Dairy sector, especially in the wake of ever rising
demand for Dairy Products. We enable our customers to achieve even greater productivity by
enabling enhanced milking capacity, quality assurance, proper preservation and secure storage,
as well as transportation to processing facilities. We have also recently launched Livestock
Development initiatives, while our scheme for Fish Farming too has gained great popularity and
success.

ISLAMIC BANKING
foundation of success story was laid in mid-2012 with the dream to build a market competitive
Islamic Financial Institution, where the Pakistan’s largest conversion project was an integral
part of the venture.
Taqwa IBD is leading pioneer of Conversion. During 2013 - 2014 Pakistan’s largest conversion
project was successfully completed where 24 conventional banking branches were successfully
translated into Islamic Banking.
Taqwa Islamic Banking now holds a strong position in the Islamic Financial Market with its
assorted products and services which are both industry compatible and competitive. Under the
kind supervision of our worthy Sariah Board, TAQWA IBD is providing Sariah compliant solutions
to its customers.
We are growing; an extended and widespread network of integrated online branches is all
equipped and organized to serve the market needs.

Small & Medium Enterprises (SMEs) sector contributes significantly towards national GDP,
employment generation and export earnings. Hence, the impact of financial inclusion of SMEs
has important implications for economic growth, competitiveness, and job creation. The
potential for this sector to contribute to the economic development objectives of Pakistan, in
areas like creating jobs, increasing incomes, improving competitiveness, boosting exports and
fostering economic growth is the justification for a strategy of support to unleash the sector’s
potential.

LEVERAGING TECHNOLOGY TO PROMOTE SME FINANCING

Use of technological innovations in SME banking may pave the way for the banks to deliver
their financial services to the target clients at a relatively low cost. The use of technology also
reduces bank’s clients’ searching and exploring cost. Although branchless banking, internet
banking and SMS alert services are becoming common as a norm of current banking practices,
technology can also be used in broad banking services like cash management (by integrating
payrolls, trade credits & receivables), credit origination (through online credit applications) and
other services etc. As a modern concept, financial technology (Fin Tech) is used to facilitate
financial services by using technology. It aims to provide products and services through online
and mobile channels. Currently, financial institutions are using Fin Tech for better customer
service delivery and speedy expansion of branchless banking in Pakistan.

BOP KHAAS Banking - Introduction

BOP is in a process to launch the Priority proposition as BOP KHAAS. In order to compete with
industry and to retain and deepen existing relationship, BOP is launching Priority Banking
Segment across BOP network very soon. This segment will provide excellent service to its high
net worth customers with special features and benefits and we have dedicated Relationship
 Managers for our KHAAS customers. The objective of the product is to increase the brand
image of BOP and service excellence for “KHAAS” customers. Priority banking proposition is a
customized Retail Banking proposition which will target our preferred “KHAAS” customers. In
order to cater banking needs of this segment, two dedicated liability products named BOP
KHAAS Account (Current & Saving) are now available for delivery of differentiated services and
products to priority segment.

Key Benefits for “KHAAS” Accountholders:

 Following are the BOP KHAAS Premium Banking benefits which are offered on both the BOP
KHAAS Current Accounts and BOP KHAAS Saving Account.
 Free Platinum Debit card (Annual Fee Waiver).
 Free Supplementary Debit Card.
 Free Cheque book Issuance (Any size).
 Free Universal Cheese.
 50% discount on locker rent (Any size).
 Free SMS Alert.
 Nil Charges on IBFT (ATM & Mobile Banking).
 No annual subscription for Mobile Banking.

 PRODUCTS:
o PLS Saving Bank Account.
o BOP Behtareen Munafa Account.
o Corporate Premium Account.
o BOP FCY Supreme Saving Account.
o BOP Young Lions Saving Account.
o BOP PLS Direct Pension Credit Account.
o BOP Asaan Saving Account.
o BOP PLS LG Account.
o Kissan Dost Saving Account.
o BOP FCY Saving Account.
o BOP@ Work Savings Account.
o Corporate Premium Plus Account.
o BOP NAAZ Savings Account.
 Vision, Mission & Core Values
 Mission
Meet customer needs through innovative technology products/services to drive business growth while
promoting financial inclusion, diversity and prosperity across the nation with a motivated team through
culture of excellence and empathy

 Vision
"Your banking partner in creating value and improving lives"

 Core Values “E-time

 Empathy
 Teamwork
 Innovation
 Meritocracy

Excellence Mobile Banking Application

BOP Mobile Banking is an Android and Apple iOS based smart phone application. The app lets you access and
manage your BOP accounts and services quickly and securely from your smartphone 24 hours a day.
The app offers complete self-service registration process, from registration to transaction execution.
Once you are registered, you can do your everyday banking quickly, securely and conveniently, including:
• Check your account balances
• View Transaction Details
• Beneficiary Management
• Transfer funds across Pakistan to any account
• Utility Bill payment
• Internet Service Providers’ bill payment
• Mobile bill payment
• Mobile Top ups
• Manage your debit card status

Debit Cards
 Features & Benefits
 Discount & Privileges
 User Guide
 BOP Debit Card Application Form (Conventional)
 BOP Debit Card Application Form (Islamic)
 BOP Supplementary Debit Card Application Form (Conventional)
 BOP Supplementary Debit Card Application Form (Islamic)
 BOP Khaas Debit Card Application Form

BOP Lahore Qalandars Debit Card

LQDC offers a host of facilities to the cardholder in addition to the standard discounts. A combination of
secure technology of Contactless and Chip & PIN coupled with a bold and attractive cricketing design,
LQDC customers will enjoy following benefits

Benefits
 Opportunity to win LQ players’ signed bats, balls and T-shirts
 Special discounts on LQ Merchandise purchased through LQDC (Coming Soon)
 Discounts on renowned sports brands and gyms
 Exclusive screening of matches for LQDC customers
 Purchasing PSL tickets at special discounted rates (Coming Soon)
 Meeting your favorite Lahore Qalandars players (Coming Soon)

How to apply for this card

 Existing BOP Customers can apply for their LQDC by visiting their respective branch or by calling
Helpline number 042-111-267-200.
 New customers can open an account in the nearest BOP branch and apply for LQDC.

Card Delivery TAT:

 4 - 7 working days.

Transaction Limits:
MasterCard Gold Debit Card limits will apply
 Feel free to contact us at debit.team@bop.com.pk in case of any query.

(Customer Service)
BOP Contact Center is the first place where you can get instant answers for your queries regarding Bank
Accounts, Debit Card (Master/ Pay Pak) Mobile Banking, SMS Banking Services & Loans etc.
ORGANIZATIONAL STRUCTURE OF BANK OF PUNJAB

Mr. Zafar Masud

President and CEO

Mr. Farid Ahmed Khan

Group Chief Corporate and Investment Banking

Mr. Nadeem Amir

Chief Financial Officer
 Mr. Ijaz Ur Rehman Qureshi
Group Head Operations

Mr. Asif Riaz

Group Head Consumer Banking

Mr. Nofel Daud

Group Head Strategy and Strategic Initiatives

Mr. Arslan Muhammad Iqbal

Chief Risk Officer

Mr. Faisal Ejaz Khan

Chief Information Officer
 Mr. Khawar Shahid Ansari
Global Treasurer

Ms. Alia Zafar

Group Head People and Organizational Excellence

Mr. Ahmed Mansoor

Chief Compliance Officer

Mr. Umer Iqbal Sheikh

Group Head Islamic Banking

Mr. Hamza Randhawa

Chief Legal Officer
Mr. Arshid Ishaq Rathore
Chief Internal Auditor {A}

Mr. Imran Ashraf

Chief Digital Officer {A}