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Presented To:
Presented By:
Mi11bba016 Atta-Ur-Rehman
Mi11bba054 Umer Sadiq
Mi11bba024 Malik Abdul Rehman
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Prof. Riaz Ahmed
Mian
Established in 1989, in pursuance of The
Bank of Punjab Act 1989 and was given
the status of scheduled bank in 1994.
The Bank of Punjab is working as a
scheduled commercial bank with 284
branches at all major business centres in
the country.
A wholly owned subsidiary of BOP First
Punjab Modaraba (FPM) was established
in 1992 and is being managed by Punjab
Modaraba Services (Pvt) Ltd.
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The Bank of Punjab has played a vital
role in the economy through
mobilization of untapped local
resources, promoting savings and
providing funds for investment.
The Bank of Punjab has the privilege
to discharge its responsibilities towards
national prosperity and progress.
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To be a customer
focused bank with
service excellence
Commitment to economic
strength

Commitment to corporative
governance

Commitment to excellence &
work ethics

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Our Customer As our first priority.
Profitability For the prosperity of our stakeholders that allows us to
constantly invest, improve and succeed.
Corporate Social Responsibility To Enrich the Lives of community
where we operate.
Recognition and Reward For the talented and high performing
employees.
Excellence In every thing we do.
Integrity In all our dealings.
Respect For our customers and each other.
AWARDS AND REWARDS
Excellence Award by the Central
Board of Revenue
3rd Kissan Time Awards
Best Corporate Report Award
16th Bolan Excellence Award
Achievement Award

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CREDIT RATING
The strength and stability of The Bank
Of Punjab is evident through the Credit
Rating assigned by PACRA Credit Rating
Company .

AA- (Double A) for long term
A1+ (A One Plus) for short term.
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NATURE OF ORGANIZATION
The Bank provides all types of banking
services such as Deposit in Local Currency,
Client Deposit in Foreign Currency,
Remittances, and Advances to Business,
Trade, Industry and Agriculture.
As agriculture is considered as backbone
of our economy The Bank of Punjab has
introduced "Kissan Dost Agriculture
Finance Scheme" to small farmers.

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Structure of BOP
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Typical Structure of a BOP Branch
Operations of the branch are controlled
by:
Branch Manager
Operations Manager.
Staff of the branch is consist on:
Branch System Administrator
Operations Staff including
Grade I officer
Grade II officer
Grade III officer &
two cash officers

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Departments of the Bank
There are following departments of
bank:
Cash department
Remittances department
Clearing & Collection Section
IT Department
Account Opening Section
Accounts Departments
Audit Departments
Consumer Finance Department
Business Development Department
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TYPE OF BUSINESS ACTIVITIES
The bank basically works under two
major type of business activities groups
named as:
1) Banking Sector
2) Insurance Sector (EFU)
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Branch Networks - Regions
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1. Lahore Central-I Region
2. Lahore Central-II Region
3. Lahore North Region
4. Lahore South Region
5. Peshawar Region
6. Islamabad Region
7. Rawalpindi Region
8. Sialkot Region
9. Bahawalnagar Region
10. Jhang Region
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11. Multan Region
12. Faisalabad Region
13. Gujranwala Region
14. Gujrat Region
15. Bahawalpur Region
16. D.G Khan Region
17. Jhelum Region
18. Sheikhupura Region
19. Sahiwal Region
20. Khushab Region
21. Karachi Region
Branches (Region Wise)

Further information
(Head Office, Main Branch, e.g.)
Head Office (BOP)
10-B,Block E-II, Main Boulevard Gulberg III Lahore
UAN : 111-200-100
Tel : (042) 35783700-10
Fax :(042) 35783713
Main Branch ,Lahore
Chief Manager
Tel : (042) 99200419-99200187
Fax :(042) 99200351
Officer Training Institute
296- Upper Mall, Lahore (Pakistan)
Tel : (042) 35714180-35755625
ATM Call Centre
Toll Free : 0800 26700
Consumer Banking
Toll Free : 0800 24267

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Products
&
Services
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Products & Services
BOP product includes all those services which
customer normally required for effectively
managing his business.
BOP offers the following financial product and
services to its customers.

1) Deposits
2) Advances/Loans
3) Services

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1. Deposits
One of the basic functions of commercial
banking is to receive deposits. BOP accepts
deposits in both local & foreign currency:
i. Current Account
ii. Gharayloo Saving Account
iii. PLS-Saving Profit Plus Account
iv. Corporate Premier Term Account
v. Basic Banking Account
vi. Bop Tijarat Account (LCY)
vii. Bop FCY Supreme Current A/C (Us $) / Bop
FCY Supreme Current A/C (Euro)
viii. Munafa Hi Munafa Account
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2) Advancement of loan

Bank of Punjab advances loan in the following
ways:
1) Demand finance
2) Asaish loan
3) Car loan
4) House loan
5) Bop motorcycle loan


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3. SERVICES
BOP offers various services which are following:

a) TRADE PROCESSING CENTRE
b) COLLECTION OF CHEQUES
c) UTILITY BILLS
d) BOP Locker
e) ATM / Debit Card
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Financial
Analysis
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4) Consumer Finance
Consumer Finance consists on:
Aasaish Loan
Quick Cash
Car Loan
House loan
Smart Cash Personal Loan
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Financial Analysis
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Financial analysis is helpful
to the management of the
organization as well as for
the investors and creditors.
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P & L A/C OF BOP FOR THE YEAR 2007 & 2008
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BALANCE SHEET OF BOP FOR THE YEAR 2007 & 2008
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assets
Cash and balances with
treasury banks
Balances with other banks
Lendings to financial
institutions
Investments
Advances
Operating fixed assets
Deferred tax assets
Assets
Liabilities
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Bills payable
Borrowings
Deposits and other
accounts
Sub-ordinated loans
Liabilities against assets
subject to finance lease
Deferred tax liabilities
Other liabilities
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PEST Analysis
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Political
Economical
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Social
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Technological
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Future Prospects of the
Organization
The success and growth of Bank of Punjab
depends on:
1. The Governments political agenda
2. Its efforts to bring about a greater degree of optimism
amongst investors and business community.
Bank is highly keen to offer the facility of
inter branch banking services within year
2012.
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CONCLUSION
I concluded that currently Bank of Punjab has a
high market share. So we can say that the
management of Bank of Punjab is very loyal to
its Customer Service policy

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