PRESENTATION

NATIONAL BANK OF PAKISTAN

GROUP 3
ROLL NO 17 IRUM AFZAL
ROLL NO 18 HINA JABEEN
ROLL NO 19 AMARAH IQBAL
ROLL NO 20 QURATULAIN
ROLL NO 21 NIMRA YAQOOB
 Introduction
THE BANK COMMENCED ITS OPERATION FROM NOVEMBER 20, 1949
KARACHI AND LAHORE OFFICES WERE LATER OPENED IN DECEMBER1949
NBP HEADQUARTERS IN KARACHI
OVER 1,200 BRANCHES COUNTRY WIDE
PRESIDENT (SYED IQBAL ASHRAF)
NBP PROVIDES BOTH COMMERCIAL AND PUBLIC
SECTOR BANKING SERVICES
ABROAD BRANCHES
 History
1949 NATIONAL BANK OF PAKISTAN (NBP) WAS ESTABLISHED UNDER THE NATIONAL
BANK OF PAKISTAN ORDINANCE OF 1949 AND WAS GOVERNMENT-OWNED. NBP ACTED
AS AN AGENT OF THE CENTRAL BANK WHEREVER THE STATE BANK DID NOT HAVE ITS
OWN BRANCH. IT ALSO UNDERTOOK GOVERNMENT TREASURY OPERATIONS. ITS FIRST
BRANCHES WERE IN JUTE GROWING AREAS IN EAST PAKISTAN. OFFICES IN KARACHI

AND LAHORE FOLLOWED .

1950 NBP ESTABLISHED A BRANCH IN JEDDAH, SAUDI ARABIA.
1955 BY THIS TIME NBP HAD BRANCHES IN LONDON AND CALCUTTA.
1957 NBP ESTABLISHED A BRANCH IN BAGHDAD, IRAQ.
1962 NBP ESTABLISHED A BRANCH IN DAR ES SALAAM, TANGANYIKA.
1964 THE IRAQI GOVERNMENT NATIONALIZED NBP'S BAGHDAD BRANCH.
1965 THE INDIAN GOVERNMENT SEIZED THE CALCUTTA BRANCH ON THE OUTBREAK OF HOSTILITIES
BETWEEN INDIA AND PAKISTAN.
1967 THE TANZANIAN GOVERNMENT NATIONALIZED THE DAR ES SALAAM BRANCH.
1971 NBP ACQUIRED BANK OF CHINA'S TWO BRANCHES, ONE IN KARACHI AND ONE AT CHITTAGONG.
AT SEPARATION OF EAST PAKISTAN NBP LOST ITS BRANCHES THERE. NBP MERGED WITH EASTERN
MERCANTILE BANK AND WITH EASTERN BANK CORPORATION.
1974 THE GOVERNMENT OF PAKISTAN NATIONALIZED NBP. AS PART OF THE CONCOMITANT
CONSOLIDATION OF THE BANKING SECTOR, NBP ACQUIRED BANK OF BAHAWALPUR.
1977 NBP OPENED AN OFFSHORE BRAIN CAIRO.
1994 NBP AMALGAMATED MEHRAN BANK.
1997 NBP BRANCH IN ASHGABAT, TURKMENISTAN COMMENCED OPERATIONS.
2000 NBP OPENED A REPRESENTATIVE OFFICE IN ALMATY, KAZAKHSTAN.
2001 STATE BANK OF PAKISTAN AND BANK OF ENGLAND AGREE
TO ALLOW ONLY 2 PAKISTANI BANKS TO OPERATE IN THE UK. NBP
AND UNITED BANK AGREED TO MERGE THEIR OPERATIONS TO
FORM PAKISTAN INTERNATIONAL BANK, OF WHICH NBP WOULD
OWN 45% AND UNITED BANK 55%.
2002 PAKISTAN INTERNATIONAL BANK RENAMED ITSELF UNITED
NATIONAL BANK LIMITED (UNB). THE OWNERSHIP STRUCTURE OF THE
UNB REMAINED AS BEFORE. THE ONLY CHANGE TO THE
SHAREHOLDING STRUCTURE IS THAT UNB HAD RECENTLY BEEN
PRIVATIZED IN PAKISTAN AND WAS NOW OWNED 49% BY THE
GOVERNMENT OF PAKISTAN AND 51% BY A JOINT FOREIGN
CONSORTIUM OF ABU DHABI.
NBP NEEDED TO REDEFINE ITS ROLE AND SHED THE PUBLIC SECTOR
BANK IMAGE, FOR A MODERN COMMERCIAL BANK. IT HAS
OFFLOADED 23.2 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 NOW
LISTED ON THE KARACHI STOCK EXCHANGE
2003 NBP OPENED ITS BRANCH IN KABUL, AND THE FIRST ATM IN AFGHANISTAN WAS INSTALLED THERE.
2005 NBP CLOSED ITS OFFSHORE BRANCH IN CAIRO.
2010 NBP OPENED ITS BRANCH IN KARAGANDA (KAZAKHSTAN).
2011 NBP OPENED ITS REPRESENTATIVE OFFICE IN TORONTO (CANADA).
 Management
NAUSHERWAN ADIL
SEVP & GROUP CHIEF, OPERATIONS GROUP
JOINED THE BANK IN 1983 AND HELD NUMEROUS SENIOR MANAGEMENT POSITIONS
NATIONALLY AND INTERNATIONALLY. HE HELD THE POSITION OF EXECUTIVE DIRECTOR
AND DEPUTY CHIEF EXECUTIVE AT UNITED NATIONAL BANK, LONDON FOR 4 YEARS AND
DURING HIS LAST ASSIGNMENT WITH NBP HE SERVED AS THE REGIONAL CHIEF EXECUTIVE,
EUROPE REGION BASED IN PARIS FROM 2005 TO 2011. HE HOLDS AN MBA DEGREE FROM
USA.
MUDASSIR H. KHAN
SEVP & GROUP CHIEF, COMMERCIAL, RETAIL BANKING GROUP
MR. KHAN HOLDS A MASTER'S DEGREE IN FINANCE AND BACHELORS IN ELECTRICAL ENGINEERING
FROM USA. HE ALSO ACQUIRED AN EXECUTIVE MBA UPDATE FROM STERN SCHOOL OF BUSINESS,
NEW YORK UNIVERSITY, USA. HE HAS AN OVERALL PROFESSIONAL EXPERIENCE OF OVER TWENTY
FIVE YEARS AND IS CURRENTLY WORKING AS SEVP/GROUP CHIEF, RETAIL & COMMERCIAL
BANKING AT NATIONAL BANK OF PAKISTAN MANAGING AN ADVANCES PORTFOLIO OF RS.300
BILLION INCLUDING RETAIL, CONSUMER, AGRICULTURE, COMMERCIAL AND SME LOANS; AND
LIABILITIES BOOK OF RS.1.2 TRILLION.
PREVIOUSLY HE HAS WORKED WITH HBL FOR NINE YEARS, HOLDING
DIFFERENT PORTFOLIOS AS SEVP GROUP HEAD GLOBAL OPERATIONS,
CIO, CCO AND HEAD OF BASEL AND OPERATIONAL RISK. PRIOR TO HBL,
HE WAS WITH THE WORLD BANK FOR MORE THAN FOURTEEN YEARS IN
THE AREA OF FINANCIAL SECTOR AND PRIVATE SECTOR DEVELOPMENT,
SOUTH ASIA REGION; IN PAKISTAN AND HAS ALSO WORKED IN
AFGHANISTAN, BANGLADESH, NEPAL, MALDIVES, GHANA, UGANDA
AND SIERRA LEONE. BEFORE JOINING THE WORLD BANK, HE WORKED IN
THE FIELD OF CORPORATE AND INVESTMENT BANKING WITH CITIBANK,
N.A. AND BEAR STEARNS IN PAKISTAN AND IN USA.
TARIQ JAMALI
SEVP & GROUP CHIEF, ASSETS RECOVERY GROUP
MR. TARIQ JAMALI IS SEVP AND GROUP CHIEF OF ASSETS RECOVERY GROUP. PREVIOUSLY HE WAS
GROUP CHIEF OF LOGISTICS SUPPORT GROUP AT NATIONAL BANK OF PAKISTAN SINCE DECEMBER
2014. HE REMAINED GROUP CHIEF OF COMMERCIAL AND RETAIL BANKING GROUP, AND GROUP
CHIEF OF COMPLIANCE GROUP SINCE 2009. HE JOINED NATIONAL BANK OF PAKISTAN IN 1987 AND
HAS HELD NUMEROUS SENIOR MANAGEMENT POSITIONS AT REGIONAL AND HEAD OFFICE LEVELS.
HE HAS AN OVERALL WORKING EXPERIENCE OF MORE THAN 23 YEARS AT DIFFERENT KEY POSITIONS.
HE HOLDS AN MBA DEGREE FROM UNIVERSITY OF DALLAS, USA.
ZAHID MAHMOOD CHAUDHRY

SEVP & GROUP CHIEF, HUMAN RESOURCES MANAGEMENT GROUP

MR. ZAHID M. CHAUDHRY QUALIFIED MBA DEGREE FROM UNIVERSITY
OF THE PUNJAB IN 1978. HE HOLDS PROFESSIONAL QUALIFICATION OF
DAIBP FROM INSTITUTE OF BANKERS PAKISTAN AND CHRP (CERTIFIED
HUMAN RESOURCE PRACTIONER) FROM CONCORD CERTIFICATION
CORPORATION, CANADA.
AAMIR SATTAR
SEVP & CFO, FINANCIAL CONTROL DIVISION
JOINED THE BANK IN 2000 PRIOR TO WHICH HE WAS EMPLOYED BY M/S. KPMG TASEER HADI & CO.,
CHARTERED ACCOUNTANTS. MR. SATTAR HAS BEEN THE FINANCIAL CONTROLLER OF NBP SINCE
2006. HE IS A CHARTERED ACCOUNTANT
 Types of loan
PRIME MINISTER’S YOUTH BUSINESS LOAN
BRIEF DESCRIPTION: SMALL BUSINESS LOANS WILL FOCUS ON
(BUT WILL NOT BE RESTRICTED TO UNEMPLOYED YOUTH,
ESPECIALLY EDUCATED YOUTH LOOKING FOR ESTABLISHING
OR EXTENDING BUSINESS ENTERPRISES.
ELIGIBILITY CRITERIA: ALL MEN/WOMEN HOLDING CNIC, AGED BETWEEN 21 AND 45 YEARS WITH
ENTREPRENEURIAL POTENTIAL TO APPLY FROM DESIGNATED BRANCHES MAPPED WITH AREA OF
RESIDENCE/BUSINESS.

SECURITY REQUIREMENTS: ONE GUARANTOR

PERMISSIBLE COLLATERALS: BUSINESS HYPOTHECATION

FOCUS ON WOMEN: 50% OF LOANS WILL GO TO WOMEN BORROWERS.

DEBT-EQUITY RATIO: 90:10
THE BORROWERS' CONTRIBUTION OF EQUITY WOULD BE IN THE FORM OF CASH OR IMMOVABLE
PROPERTY AND WILL BE REQUIRED AFTER APPROVAL OF THE LOAN.

LOAN PERIOD: THE MAXIMUM TENOR OF THE LOAN IS 8 YEARS, INCLUDING ONE YEAR'S GRACE
PERIOD

PRICING: 8% FIXED FOR BORROWER. GOVERNMENT WILL PAY THE DIFFERENCE OF THE COST OF
KIBOR + 500 BPS.
 NUMBER OF LOANS: 100,000

SIZE OF LOAN: UP TO RS 2,000,000 (TWENTY LACS)

ALLOCATION IN BUDGET 2013-14: RS. 5 BILLION

EXECUTING AGENCY: IN THE FIRST INSTANCE, NATIONAL BANK OF PAKISTAN (NBP) AND FIRST WOMEN
BANK LIMITED (FWBL) UNDER THE GUIDANCE AND SUPERVISION OF STATE BANK OF PAKISTAN( SBP) TO
ENSURE PARTICIPATION OF PRIVATE BANKS:
A) PRIVATE BANKS WILL BE REQUIRED TO PARTICIPATE IN THIS SCHEME ON THE BASIS OF SOUNDNESS
OF BUSINESS PROPOSALS; AND

B) SBP WILL ENCOURAGE PRIVATE BANKS TO BUILD THIS PORTFOLIO COMMENSURATE WITH THEIR SIZE.
C) SBP WILL ARRANGE APPROPRIATE TRAINING FOR PRIVATE BANKS TO IMPLEMENT THIS SCHEME.
D) NBP WILL
CONTINUE TO PLAY THE LEAD ROLE
SECTORS AND PRODUCTS: ALL SECTORS. STANDARDIZED SCHEMES /PROJECTS/UNDERTAKINGS WILL BE
DESIGNED BY SMEDA, PROJECTS DESIGNED BY PRIVATE SECTOR SERVICE PROVIDERS OR INDIVIDUALS
THEMSELVES WILL ALSO BE ADMISSIBLE.

ROLE OF SMEDA:

A) THE 50 FEASIBILITIES PREPARED AND UPLOADED BY SMEDA WILL B EXTENSIVELY PUBLICIZED AND THEIR
ACCESS TO PUBLIC MADE EASIER THROUGH MULTIPLE LINKAGES WITH OTHER RELEVANT WEBSITES.

B) SMEDA WILL WORK CLOSELY WITH PUNJAB INFORMATION TECHNOLOGY BOARD (PITB) TO ENSURE
THAT THE SCHEMES ARE ACCESSIBLE TO THOSE WHO PARTICIPATE IN PITB SURVEY
APPLICATION FORM: THE FORM WOULD BE BOTH IN ENGLISH AND URDU, AND REQUIRED MINIMUM
ESSENTIAL INFORMATION WITH SIMPLE FORMAT.

THE PROCESSING TIME WILL NOT EXCEED 15 DAYS AND WILL BE SO STATED CLEARLY IN THE
APPLICATION FORM; AND

THE FORM WOULD BE READILY AVAILABLE BOTH IN BRANCHES AND THROUGH DEDICATED WEBSITES OF
THE BANKS.

NON - REFUNDABLE FORM PROCESSING FEE WILL BE RS. 100 (ONE HUNDRED)
MONITORING: SBP WILL PUBLISH CONSOLIDATED INFORMATION ABOUT THE LOANS EXTENDED UNDER
THE SCHEME FOR INFORMATION OF THE PUBLIC ON QUARTERLY BASES ON ITS WEBSITE;

AN EFFECTIVE COMPLAINTS CENTER TO PROCESS AND RESOLVE COMPLAINTS WILL BE SET UP;

E-GOVERNMENT DIRECTORATE OF MINISTRY OF IT WILL PROVIDE SUPPORT

GEOGRAPHICAL DISTRIBUTION: WHOLE OF PAKISTAN. IN CASE OF BALUCHISTAN, AT LEAST ONE BRANCH
OF NBP WILL BE DESIGNATED PER DIVISION.

ALL NON-DESIGNATED BRANCHES WILL ALSO PROVIDE AND RECEIVE FILLED APPLICATION FORMS AND
DISPATCH THEM TO THE NEAREST BRANCHES.
 Personal Loan
DETAILS

WHETHER YOU NEED CASH TO DESIGN YOUR DREAM HOME, GIVE YOUR CHILDREN THE BEST
EDUCATION, MAKE YOUR DAUGHTER'S WEDDING THE TALK OF TOWN, OR TAKE THAT DREAM VACATION
WITH YOUR LOVED ONES; WE HELP YOU MAKE THIS POSSIBLE WITH A STANDARD CHARTERED PERSONAL
LOANS.

FEATURING EXCITING SCHEMES, EASY REPAYMENT OPTIONS AND COMPETITIVE INTEREST RATES, THE
STANDARD CHARTERED PERSONAL LOAN IS A HASSLE FREE WAY TO FULFIL YOUR FINANCIAL NEEDS
SPECIAL FEATURES

KEY FEATURES OF THE STANDARD CHARTERED PERSONAL LOAN:

LOANS AVAILABLE WITH RANGE OF REPAYMENT OPTIONS FROM 1-5 YEARS

BORROW UP TO PKR 2 MN
COMPETITIVE INTEREST RATES
NO SECURITY, COLLATERAL OR GUARANTORS REQUIRED
EASY DOCUMENTATION AND QUICK PROCESSING
TOP UP FACILITY ON EXISTING PERSONAL LOANS WITH STANDARD CHARTERED
ELIGIBILITY

DOCUMENTS REQUIRED

COPY OF VALID CNIC

SALARY SLIP
 Agriculture Loan
THE PRINCIPLES OF ORGANIC PRODUCTION
ORGANIC IS A WHOLE SYSTEM APPROACH TO FARMING AND FOOD PRODUCTION. IT RECOGNIZES
THE CLOSE INTERRELATIONSHIPS BETWEEN ALL OF THE PRODUCTION SYSTEM FROM THE SOIL TO THE
CONSUMER.
FOLLOWING IS A COMPREHENSIVE SET OF ORGANIC PRINCIPLES THAT GUIDES FOR THE STANDARDS.
AGRICULTURE PRINCIPLES
TO PRODUCE FOOD TO HIGH QUALITY IS SUFFICIENT QUANTITY.
TO WORK WITHIN NATURAL SYSTEM AND CYCLES THROUGHOUT ALL LEVELS FROM THE SOIL TO
PLANTS AND ANIMALS.
TO MAINTAIN THE LONG TERM FERTILITY AND BIO LOGICAL ACTIVITY OF SOILS.
TO TREAT LIVESTOCK ETHICALLY MEETING THEIR PHYSIOLOGICAL AND BEHAVIOR NEEDS.
TO RESPECT REGIONAL ENVIRONMENTAL CLIMATIC AND GEOGRAPHIC DIFFERENCES
(APPROPRIATE) PRACTICES THOSE HAVE EVOLVED IN RESPONSE TO THEM.
ENVIRONMENTAL PRINCIPLES
TO FOSTER BIODIVERSITY AND PROTECT SENSITIVE HABITATS AND LANDSCAPE FEATURES.
TO MAXIMIZE USE OF RENEWABLE RESOURCES AND RECYCLING.
TO MINIMIZE POLLUTION AND WASTE.
FOOD PROCESSING PRINCIPLES
TO MINIMIZE PROCESSING CONSISTENT WITH THE FOOD IN QUESTION.
TO MINIMIZE INFORMATION FOR THE CONSUMER ON PROCESSING METHODS AND INGREDIENTS.
SOCIAL PRINCIPLES
TO PROVIDE A FAIR ADEQUATE QUALITY OF LIFE WORK SATISFACTION AND WORKING DEVELOPMENT
OF LIVESTOCK AND FRAMING FOR MIL PROCESSING FOR COLD STORAGE BIO GAS PLANTS
INTEREST @16.5 PERCENT PER ANNUM.
QUICK AND EASY PROCESSING.
DELIVERY AT THE FARMER’S DOORSTEP.
PROVISION TO TECHNICAL GUIDANCE FOR FRAMERS.
WIDE RANGE OF FINANCING SCHEMES FOR FRAMERS.
FINANCE FACILITY UP TO RS 100000/ FOR LANDLESS FARMERS AGAINST PERSONAL GUARANTEE.
LOAN FACILITY ON REVELING BASIS FOR THREE YEARS (RENEWABLE ON YEARLY BASIS WITHOUT
DOCUMENTS AND APPROVAL).
KISAN TAQAT SCHEME
NATIONAL BANK OF PAKISTAN IS PROVIDING LOANS FOR THE DAIRY FARMS AND FOR THE
DEVELOPMENT OF THE LIVESTOCK AND DAIRY FIRMS.
NBP FACILITIES WITH LIVESTOCK EXPORTS.
LESS DOCUMENTS AND EASY TO REPAY.
AVAILABLE AT THE NEXT DOOR STEP.
SCHEME IS AVAILABLE IS MORE THAN 50 BRANCHES OF NBP.
 WEAKNESS
PUBLIC DEALING IS NOT VERY EFFECTIVE
LACK OF RESPECT OF SENIOR
STAFF SHORTAGE
PUNISHMENT IS NOT VERY STRONG