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ip Report on National Bank oI Pakistan (NBP)

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le oI contents
utive summary 04
ion statement 05
n 07
r Management 09
seas Branches 12
estic Branches 13
loan 15
ces 17
tments 20
sit products 23
nge rates 25
T analysis 27
rmance analysis 30
arative analysis 36



charges 38
done by Internee 61
lems Iaced by Branch 65
ography 68
xecutive Summary
ort is based on internship in National Bank oI Pakistan branch name. It is a Iamous and
bank oI Pakistan. National Bank oI Pakistan maintains Iirst position in banking sector in
. This report is based on the activities which are perIormed in this bank. This report contains
ng analysis, competitive analysis, SWOT analysis, bank tariIIs and exchange rates oI National
Pakistan. There are also stated the activities which I perIormed during my internship in the
In this report also discuss the industry analysis oI banking system in Pakistan. There are also
ed the way oI investment, rates oI investment, all types oI Iinancing and loans Iacilities the
l Bank oI Pakistan provides. The problems in this branch are also discussed. This report also
s about the daily reserves which are required by the branch to meet the need oI its daily
ions.



ission Statement
cognized in the market place by Institutionalizing a merit & perIormance culture, Creating a
l & distinctive brand identity, Achieving top-tier Iinancial perIormance, and Adopting &
ut our core values.
ore Values
e aim to be an organization that is founded on.
OGrowth through creation oI sustainable relationships with our customers.
OPrudence to guide our business conduct.
OA national presence with a history oI contribution to our communities.
e shall work to.
OMeet expectations through Market-based solutions and products.
OReward entrepreneurial eIIorts.
OCreate value Ior all stakeholders.
e aim to be peopling who.
OCare about relationships.
OLead through the strength oI our commitment and willingness to excel.
OPractice integrity, honesty and hard work. We believe that these are measures oI true
success.
e have confidence that tomorrow we will be.
OLeaders in our industry.
OAn organization maintaining the trust oI stakeholders.
OAn innovative, creative and dynamic institution responding to the changing needs oI
the internal and external environment





ision
e pre-eminent Iinancial institution in Pakistan and achieve market recognition both in the
and delivery oI service as well as the range oI product oIIering
nior management
Karim Shaikh SEVP & Group ChieI, Corporate & Investment Banking Group
Anwar Khan SEVP & Group ChieI, Commercial & Retail Banking Group
f A. Brohi SEVP & Group ChieI, Operations Group
mad Sardar Khawaja SEVP & Group ChieI, Audit & Inspection Group
afique SEVP & Secretary Board oI Directors
akhsh Baloch SEVP & Group ChieI, Compliance Group
h Khan SEVP & Group ChieI, Special Assets Management Group
khtar EVP & PSO to the President
ehmood EVP & Group ChieI, Risk Management Group
mad Nusrat Vohra EVP & Group ChieI, Treasury Management Group
A. Dogar EVP & Group ChieI, InIormation Technology Group
za Abrar Baig EVP & Group ChieI, Human Resources Management & Administration Group
hurshid Maqsood Ali EVP & Divisional Head Employee BeneIits, Disbursements & Trustee
n
aqoob EVP & Group ChieI, overseas Coordination & Management Group
zma Bashir Group ChieI, Organization Development & Training Group
arhan Ahmed Financial Controller & Divisional Head Financial Control Division
orporate and financial reporting framework
f Corporate Governance)
rd is Iully aware oI its responsibilities established by the Code oI Corporate Governance issued
ecurities & Exchange Commission oI Pakistan (SECP). They are pleased to give the Iollowing
ions/statements to comply with the requirements oI the Code.
1. The Iinancial statements (Balance sheet, ProIit and Loss Account, Cash Flow
Statement, Statement oI Changes in Equity and notes Iorming part thereoI), prepared by
the management oI the bank give the inIormation required by the Companies
Ordinance, 1984 in the manner so required and respectively give a true and Iair view oI
the state oI the bank's aIIairs as at December 31, 2002 and oI the results oI its
operations, changes in equity and its cash Ilows Ior the year then ended.
2. Proper books oI accounts have been maintained.
3. Appropriate accounting policies have been consistently applied in the preparation oI
the Iinancial statements and accounting estimates are based on the reasonable and
prudent judgment.
4. Approved Accounting Standards have been Iollowed in preparation oI the Iinancial
statements and there is no departure Irom the said standards.
5. The system oI internal control is sound in design and has been eIIectively
implemented and monitored throughout the year. The Board is responsible Ior
establishing and maintaining the system oI internal control in the bank and Ior its
ongoing monitoring. However, such a system is designed to manage rather than
eliminate the risk oI Iailure to achieve objectives, and provide reasonable but not
absolute assurance against material misstatements or loss.
cess used by the Board to review the eIIiciency and eIIectiveness oI the system oI internal
includes, the Iollowing:
OThe Board has Iormed an audit committee comprising oI three non executive
directors. The audit committee has written terms oI reIerence in the Iorm oI a charter,
which has been approved by the Board oI Directors. The committee is responsible Ior
the oversight oI the internal audit Iunction and reviews its approach and methodology
Irom time to time. It also receives and reviews the internal and external audit reports
relating to the internal control, accounts and related matters. The committee on a
continuous basis reviews the material control weaknesses and areas oI concern and
actions to be taken by the executive management to address these issues.
OInternal audit department oI the bank conducts the audit oI all branches, regions and
groups at head oIIice level on ongoing basis to evaluate the eIIiciency and eIIectiveness
oI internal control system and proper Iollow up oI irregularities and control weaknesses
is carried out.
OThe Board receives conIirmations/representations Irom all group and regional heads
on annual basis conIirming eIIectiveness oI the internal control system established and
maintained by them within their Iunction.
ncipal Ieatures oI the bank's control Iramework include:
OThe bank has clearly deIined organizational structure which supports clear lines oI
communications and reporting relationships.
OThere exists a properly deIined Iinancial and administrative power oI various
committees and key management personnel, which supports delegation oI authority and
accountability.
OThe bank has eIIective budgeting system in place. Annual budget oI the bank is
approved by the Board and monthly comparisons oI actual results with the budget are
prepared and reviewed by the senior management.
k has a comprehensive Iramework oI written policies and procedures on all major areas oI
ns such as Credit, Treasury Operations, Finance, Internal audit and Compliance approved by
rd.
OThere are no signiIicant doubts about the bank's ability to continue as a going concern.
OThere has been no material! Departure Irom the best practices oI the corporate
governance as detailed in the listing regulations.
OKey operating and Iinancial data is available in the annual report.
OThe number oI board meetings held during the year were 14 and attended by the
directors as Iollows:
li Raza 14
aqar Masood Khan 10
n Y. Mirza 8
zzak Tabba 12
n A. Kehar 12
aez Issa 10
Humayun Sayeed 12
OBook value oI investments oI Employees' Pension Fund as at December 31, 2002 (un-
audited) is Rs. 6,317.705 million.
OThe pattern oI shareholding as required by the code is as Iollows:
ated companies, undertakings and related parties Total No. of
held
Securities Limited 2,015
l Bank oI Pakistan Trustee Department -NIT 1,009,842
ent Corporation oI Pakistan 1,519,095
rseas Branches
sentative Offices
diary
Venture
ional Offices
ranches
line Branches
diaries
verseas Branches
merica and Europe Region

y
ar East Region
ong
orea
iddle East, Africa & South Asia Region

esh
entral Asian Republics
istan
nistan
Republic
stan
tan
jan
omestic Branches
ind
anghar
bad
ad/ Shikarpur


has/ Badin
hah/ N' Feroze
Khairpur
kar
unjab
lpur
han/ RYKhan
ad
ala
Narowal
ad
Gujrat/ Chakwal
Baha'nagar
/ Attock/ Gilgit
indi
l
a/ Sheikhupura
WFP
bad/ Mansehra
D.I. Khan
Mingora

ar
aluchistan
nches
zad Kashmir
arabad
BP Student Loan Scheme
t to the announcement made by the Federal Finance Minister in his 2001-2002 budget speech,
ENTS LOAN SCHEME (SLS) Ior Education was launched by the Government oI Pakistan
boration with major commercial banks oI Pakistan (NBP, HBL, UBL, MCB and ABL). Under
eme, Iinancial assistance is provided by way oI Interest Free Loans to the meritorious students
ve Iinancial constraints Ior pursuing their studies in ScientiIic, Technical and ProIessional
n within Pakistan.
eme is being administered by a high powered committee comprising Deputy Governor, State
Pakistan, Presidents oI the commercial banks and Deputy Secretary, Ministry oI Finance,
ment oI Pakistan.
bjective of the Students Loan Scheme is to provide Iinancial assistance to the meritorious
oI insuIIicient means who have obtained 70 marks in the last public examination and are
o pursue their studies within Pakistan due to Iinancial diIIiculties.
Iacility is available to those students who are nationals oI Pakistan including Northern Areas,
ly Administered Tribal Areas and Azad Jammu and Kashmir and oI age not exceeding 20 years
uation, 30 years Ior post-graduation and 35 years Ior PhD at the time oI admission.
aximum period oI repayment oI loan is 10-Years Irom the date oI disbursement oI Iirst
ent .The borrower shall repay the loan in monthly installment aIter six months Irom the date oI
ployment or one year Irom the date oI completion oI studies, which ever is earlier
is granted only to those students who have been admitted to the approved under noted AIIiliated
s /Universities.
the Scheme, loans are available in the Iollowing subjects.
Engineering
Electronics
Oil Gas & Petro-Chemical Technology
Agriculture
Medicine
Physics
Chemistry
Biology, Molecular Biology & Genetics
Mathematics
Other Natural Sciences
DAWA and Islamic Jurisprudence (LL.B/LL.M Sharia)
Computer Science/InIormation System and Technology including
hardware.
Economics, Statistics and Econometrics
Business Management Sciences
Commerce
cility under this Scheme is restricted to the studies in the above-mentioned subjects only or
er subjects as may be approved by the Apex Committee Irom time to time.
ount oI loans under the Scheme covers the cost oI Iee, books and boarding Ior the entire
I study.
ule Fee and boarding expenses excluding meal charges is disbursed directly to the
ity/College.
ount oI procurement oI textbooks is disbursed directly to the student.
udents desirous oI availing loan under the Scheme may apply on prescribed Form Ior Iinancial
ce subject to he or she has got admission on merit through normal procedure in the
ities/ Colleges aIore-mentioned.
cation Forms are available from the designated branches.
ants are required to submit/send their applications duly completed in all respect, to the
ted branches indicated against Universities/ Colleges.
students who have already availed this Iacility last year need not to apply.
3. SERVICES
ND DRAFTS
re looking Ior a saIe, speedy and reliable way to transIer money, you can now purchase NBP`s
DraIts at very reasonable rates. Any person whether an account holder oI the bank or not, can
e a Demand DraIt Irom a bank branch.
IFT SYSTEM
IFT system (Society Ior Worldwide Inter bank Financial Telecommunication) has been
ed Ior speedy services in the area oI home remittances. The system has built-in Ieatures oI
erized test keys, which eliminates the manual application oI tests that oIten cause delay in the
t oI home remittances. The SWIFT Center is operational at National Bank oI Pakistan with a
al access number NBP-APKKA. All NBP overseas branches and overseas correspondents
0) are drawing remittances through SWIFT.
he NBP network oI branches, you can saIely and speedily transIer money Ior your business and
l needs.
ETTERS OF CREDIT
committed to oIIering its business customers the widest range oI options in the area oI money
. II you are a commercial enterprise then their Letter oI Credit service is just what you are
Ior. With competitive rates, security, and ease oI transaction, NBP Letters oI Credit are the
y to do your business transactions.
RAVELER'S CHEQUES
egotiability:
pees Traveler`s Cheques are a negotiable instrument
alidity:
no restriction on the period oI validity
vailability:
branches oI NBP all over the country
ncashment:
00 branches oI NBP
imitation:
t on purchase
afety:
raveler`s Cheques are the saIest way to carry our money
Y ORDER
ovides another reason to transIer customer`s money using their Iacilities. Their pay orders are
and easy way to move customer`s money Irom one place to another. And, as usual, their
Ior this service are extremely competitive.
suance of Pay order
BP Account Holder
(Flat)
BP Non-Account Holder
/- (Flat)
(Flat) Irom student Ior payment oI Iee Iavoring educational institution
suance of duplicate Pay order
BP Account Holder
/- (Flat)
BP Non-Account Holder
/- (Flat)
AIL TRANSFERS
our money saIely and quickly using NBP Mail TransIer service. And they also oIIer the most
itive rates in the market.
REIGN REMITTANCES
itate its customers in the area oI Home Remittances, National Bank oI Pakistan has taken a
oI measures to:
OIncrease home remittances through the banking system
OMeet the SBP directives/instructions Ior timely and prompt delivery oI remittances to
the beneIiciaries
ew Features:
sting system oI home remittances has been revised/signiIicantly improved and well-trained
nctionaries are posted to provide eIIicient and reliable home remittance services to nonresident
is at 15 overseas branches oI the Bank besides Pakistan International Bank (UK) Ltd., and
l-Jazira, Saudi Arabia.
OZero TariIIs: NBP is providing home remittance services without any charges.
OStrict monitoring oI the system is done to ensure the highest possible security.
OSpecial courier services are hired Ior expeditious delivery oI home remittances to the
beneIiciaries.
O
ORT TERM INVESTMENTS
w oIIers excellent rates oI proIit on all its short term investment accounts. Whether you are
to invest Ior 3 months or 1 year, NBP`s rates oI proIit are extremely attractive, along with the
and service only NBP can provide.
ational Income Daily Account (NIDA)
eme was launched in December 1995 to attract corporate customers. It is a current account
and is part oI the proIit and loss system oI accounts in operation throughout the country.
ffective 23rd December 2004
l Income Daily Account (NIDA)
te
Million & above but below Rs. 25 Million 1.00
Million & above but below Rs .50 Million 1.10
Million & above but below Rs.100 Million 1.30
Million & above but below Rs. 250 Million 1.50
Million & above but below Rs. 500 Million 1.75
Million & above but below Rs. 1000 Million 2.00
0 Million & above but below Rs. 2000 Million 2.25
0 Million & above but below Rs. 5000 Million 2.50
0 Million & above 2.75
QUITY INVESTMENTS
s accelerated its activities in the stock market to improve its economic base and restore investor
nce. The bank is now regarded as the most active and dominant player in the development oI
k market.
BP is involved in the following:
OInvestment into the capital market
OIntroduction oI capital market accounts (under process)
involvement in capital markets is expected to increase its earnings, which would result in better
oIIered to account holders.
OMMERCIAL FINANCE
m help make your dreams become a reality
dicated team oI proIessionals truly understands the needs oI proIessionals, agriculturists, large
ll business and other segments oI the economy. They are the customer`s best resource in
NBP`s products and services work Ior them.
RADE FINANCE OTHER BUSINESS LOANS
3.11.1. AGRICULTURAL FINANCE
3.11.2. CORPORATE FINANCE

AGRICULTURAL FINANCE
ovides Agricultural Finance to solidiIy Iaith, commitment and pride oI Iarmers who produce
the best agricultural products in the World.
ltural Finance Services:
the World program, a new product, is introduced by NBP with the aim to help Iarmers
ze the per acre production with minimum oI required input. Select Iarms will be made role
Ior other Iarms and Iarmers to Iollow, thus helping Iarmers across Pakistan to increase
ion.
ltural Credit:
icultural Iinancing strategy oI NBP is aimed at three main objectives:-
OProviding reliable inIrastructure Ior agricultural customers
OHelp Iarmers utilize Iunds eIIiciently to Iurther develop and achieve better production
OProvide Iarmers an integrated package oI credit with supplies oI essential inputs,
technical knowledge, and supervision oI Iarming.
ltural Credit (Medium Term)
OProduction and development
OWatercourse improvement
OWells
OFarm power
ODevelopment loans Ior tea plantation
OFencing
OSolar energy
OEquipment Ior sprinklers

redit:
o provides the Iollowing subsidized with ranges oI 3 months to 1 year on a renewal basis.
OOperating loans
OLand improvement loans
OEquipment loans Ior purchase oI tractors, Iarm implements or any other equipment
OLivestock loans Ior the purchase, care, and Ieeding oI livestock
tion Loans:
tion loans are meant Ior basic inputs oI the Iarm and are short term in nature. Seeds, Iertilizers,
s, etc are all covered under this scheme.
CORPORATE FINANCE
g Capital and Short Term Loans:
ecializes in providing Project Finance Export ReIinance to exporters Pre-shipment and
ipment Iinancing to exporters Running Iinance Cash Finance Small Finance
ting & Bills Purchased Export Bills Purchased / Pre-shipment / Post Shipment Agricultural
ion Loans
term loans and Capital Expenditure Financing:
ovides Iinancing Ior its clients` capital expenditure and other long-term investment needs. By
the risk associated with such long-term investments, NBP expedites clients` attempt to upgrade
and their operation thereby making possible the IulIillment oI their clients` vision. This type oI
m Iinancing proves the bank`s belieI in its client's capabilities, and its commitment to the
.
tructuring and Syndication
l Bank`s leadership in loan syndicating stems Irom ability to Iorge strong relationships not only
rrowers but also with bank investors. Because they understand their syndicate partners` asset
they help borrowers meet substantial Iinancing needs by enabling them to reach the banks
terested in lending to their particular industry, geographic location and structure through
ted debt oIIerings. Their syndication capabilities are complemented by their own capital
and by industry teams, who bring specialized knowledge to the structure oI a transaction.
anagement Services:
ational Bank`s Cash Management Services (in process oI being set up), the customer`s sales
on will be channeled through vast network oI NBP branched spread across the country. This
ble the customer to manage their company`s total Iinancial position right Irom your desktop
er. They will also be able to take advantage oI NBP outstanding range oI payment, ejection,
and investment services. In Iact, with NBP, you`ll be provided everything, which takes to
your cash Ilow more accurately.
NTERNATIONAL BANKING
l Bank oI Pakistan is at the IoreIront oI international banking in Pakistan which is proven by
that NBP has its branches in all oI the major Iinancial capitals oI the world. Additionally, NBP
ently set up the Financial Institution Wing, which is placed under the Risk Management
The role oI the Financial Institution Wing is:-
OTo eIIectively manage NBP`s exposure to Ioreign and domestic correspondence
OManage the monetary aspect oI NBP`s relationship with the correspondents to support
trade, treasury and other key business areas, thereby contributing to the bank`s
proIitability
OGeneration oI incremental trade-Iinance business and revenues
NBP offers
OThe lowest rates on exports and other international banking products
OAccess to diIIerent local commercial banks in international banking
XCHANGE RATES
heet
ry Management Group
ber 1, 2006
y Selling Buying sight 203/2006
85 59.65 59.53 Rates for Currency Notes & TCs
18 109.82 109.55 Selling Buying
76 74.51 74.41 U.S.A 60.45 58.94
0.22 50.06 49.92 SAUDI ARABIA 16.12 15.71
D 48.45 48.29 48.16 U.K 111.29 108.46
45.87 45.72 45.60 JAPAN 0.5528 0.5386
.04 8.01 7.99 EURO 75.51 73.67
474 0.5455 0.5441
9.54 9.51 9.49
35.73 35.61 35.52 Libor for Calculating Interest on Special USD Bonds
10.03 9.99 9.97 Libor Value
IA 15.96 15.91 15.86 6 Moths USD 3.9963 06-Sep-05
7.70 7.68 7.66 Interest Rates on Old FCY Deposits
1 7.39 7.37 For 3 Months & Over but Less then 6 Months
04.97 204.28 203.74
15.89 15.84 15.80 USD 0.1000
D 42.42 42.27 42.16 GBP 0.1000
.45 16.39 16.35 JPY 0.0000
30 16.24 16.20
.0584 0.0582 0.0581
1.459 1.454 1.450
sion rates for Frozen FC Deposits, DBC/FCBC, Special USD Bond
BP EUR JPY
110.3677 74.9917 0.5484
Buying Rates per Unit of Currency
ys 90 Days 120 Days 150 Days 180 Days
9.41 59.16 58.91 58.66 58.40 58.14
09.24 108.71 108.18 107.66 107.14 106.63
4.29 74.08 73.87 73.66 73.45 73.25
WOT Analysis
Strengths
Western union Iacility:
l Bank oI Pakistan is only one bank which has the Iacility oI Western union. In this particular
money is transIer in Pakistan Irom abroad. This is the Iastest way to money transIer. You can
the money Irom bank to see the name and password oI particular client.
ATM Iinder:
also strength oI NBP that they are Iound the ATM. They now provide this Iacility to the
rs.
Government`s bank:
ercial banking system NBP is only the government bank. They make their policies according
overnment`s rules and regulations. It enjoys its position in the market oI banking system in
. Government oI Pakistan also Iacilitating the National Bank oI Pakistan.
Customer satisIaction:
oI government`s bank, it is enjoying the customer`s satisIaction. Customers Ieels secure their
in NBP.
Online banking:
also strength oI NBP that 130 branches are online. It helps the speedy services giving to the
rs. There is also help in checking the balances and daily transactions just at one key press.
Employee`s loyalty:
ees are very much loyal to NBP. Employee`s turnover is very low in NBP. Very Iew
ees are leaving the jobs in NBP. So it is very big strength that your employees are loyal to your
ation.
Wide area oI services:
ovide the wide area oI services. They oIIer no. OI services relating to the banking system like,
to retired government employees, traIIic challans, Iees received oI AIOU, Iarms oI AIOU,
bills, deposits, sales tax , withholding tax, property tax, and various loan schemes.
Weakness
Lack oI communication between employees:
the internship in NBP I Iound the problem oI lack oI communication between the employees
nagement. They have not very much understanding with each other and not share the work oI
er.
Punishment is not very strong Ior employees:
ent threat is not very strong Ior employees. Some employees are not very proIessional in their
t top management not takes the action against such employees.
Public dealing is not very eIIective:
espect is not very eIIective in NBP. Employees are not taking care oI the customers, especially
on and bills department.
StaII shortage:
also weak point Ior NBP that staII is very short and more staII is required to meet the needs oI
ch work. They help Irom internees.
Lack oI respect oI seniors:
e not a healthy sign Ior NBP that respect oI seniors is not up to the manners.
try to avoid the seniors and no take the help Irom them.
Opportunities
Growing banking system:
ys banking system is growing quickly so NBP have opportunities to improve the standard and
more share in the market.
NBP have government back:
ing era there is a chance Ior NBP to improve itselI and increase the shares in the market
it is most trustable due to government`s bank.
Increase in economic activities:
nomic activities are increase nowadays, so banks are contributes more in economic activities.
re played role in trade and commerce. So the business oI commercial banks is increase.
Threats
Increase in no. oI banks:
in no. oI banks is a threat Ior National Bank oI Pakistan. No. oI private banks (commercial
ate) are operating their business and provide the same Iacilities. So increase in no. oI banks is
Ior NBP.
Modern type oI banking:
and computerized banking is required to IulIill the customer`s need. So maximum branches oI
e worked in old traditional ways.
Highly skilled people and management required to meet the new standard oI
banking. In NBP some employees are totally irresponsible and lack oI complete
knowledge oI banking system. So these employees are creating continuous problems in
the system oI NBP.
The whole structure change to online :
ve wide network oI branches. Only 130 branches are online, so it is very diIIicult and time
ed to convert all branches to online system. So there is also risk involves that iI one commuter
ranch suIIers in problem, all system and all commuters oI all branches must be turnoII.
4. Performance Analysis
nancial Performance
, NBP increased its pre-tax proIit to Rs. 6,045 million Irom Rs. 3,016 million in 2001, an
oI over 100. The improved proIitability was achieved due to a combination oI higher
revenue, enhanced Iee income and run oII oI the amortization oI the 1997 Golden Handshake
. Prudent addition to loan loss reserves was made which continues to improve the cash
e Ior non-perIorming loans.
Iinancial and operating ratios demonstrated improvement. Cost/ income ratio was 0.44
ing one oII provision oI Rs. 832 million Ior benevolent Iund and Rs. 513 million Ior charge Ior
separation package) as against 0.52 oI the last year. Pre-tax return on equity was 45.27 as
ed to 25.85 oI the current year and is impressive by any yardstick. Pre-tax return on assets
d to 1.43 as against 0.77 oI last year. Capital adequacy ratio oI the bank is 14.5, which is
her as compared to 10.52 oI last year.
s oI the bank increased by Rs. 12 billion. While there was increase in private sector loans due
tment / repayment oI loans by large public sector entities and substantially lower commodity
ns borrowings, advances decreased by Rs. 30 billion.
dustry analysis
Banking is one oI the most sensitive businesses all over the world. Banks play very important
role in the economy oI a country and Pakistan is no exemption. Banks are custodian to the
assets oI the general masses. The banking sector plays a signiIicant role in a contemporary
world oI money and economy. It inIluences and Iacilitates many diIIerent but integrated
economic activities like resources mobilization, poverty elimination, production and
distribution oI public Iinance. It is purchase oI car or building oI a home banks are always
they`re to serve you better. It is play ground or any educational or healthy societal activities the
money oI banks nurtures them. It is an industrial project or agricultural development oI the
country the sponsor-ship oI banks is very much involved. Banks play very positive and
important role in the overall economic development oI the country.
has a well-developed banking system, which consists oI a wide variety oI institutions ranging
entral bank to commercial banks and to specialized agencies to cater Ior special requirements
Iic sectors. The country started without any worthwhile banking network in 1947 but witnessed
enal growth in the Iirst two decades. By 1970, it had acquired a Ilourishing banking sector.
omparative Study of Domestic Banking Industry
lization oI banks in the seventies was a major upset to domestic banking industry oI the
, which changed the whole complexion oI the banking industry. With irrational decision at the
he commercial banks were made subservient to the political leadership and the bureaucracy.
ized banking institutions were already working in the public sector. The new accountability
m changed the business ethics in the banking industry, and with this change started the disaster.
lization oI banking industry was accompanied by violent changes in the external value oI
he commercial banks thus lost their assets management equilibrium, initiative and growth
tum. They ceased to be a business concern and became big bureaucracies. This was
anied by indiscreet loaning under political pressure. They suIIered Irom three terminal
: non-perIorming loans; higher intermediation cost; and loss oI initiative and entrepreneurship.
to Labor Unions and OIIicers Associations made liIe tough and working conditions ugly to
dedicated and industrious workers in the realms oI domestic banking industry.
The era oI nineties was the climax oI privatization, deregulation and restructuring in the
domestic banking industry and Iinancial institutions. The Muslim Commercial Bank was the
Iirst bank to privatize. Followed by Allied Bank limited, United Bank Limited and now the
Habib Bank Limited have been privatized. One thing good Ior that particular period was the
recruitment oI Iresh oIIicers in the domestic banking industry through well-organized policies
oI Banking Council. With the decay oI Banking Council there was Ilood oI insincere,
nonproIessional, incompetent candidates directly appointed/ recruited in all the domestic banks
oI the country.
ublic Sector Commercial Banks
National Bank oI Pakistan NBP
First Women Bank Limited FWB
The Bank oI Khyber KB
The Bank oI Punjab BOP
ernment oI Pakistan permitted small private sector banks to operate, which indulged in
l policies to promote business. The public sector banking, which constituted the backbone, thus
ed to suIIer because oI their approach, size and carried over liabilities. Mehran Bank is the
xample oI that kind oI lax banking in the country, which ultimately merged into National bank
tan i.e. last resort oI domestic banking industry.
ocal Private Banks

Askari Commercial Bank Limited
Bank Al-Falah Limited
Bank Al Habib Limited
Bolan Bank Limited
Faysal Bank Limited
Metropolitan Bank Limited
Platinum Commercial Bank Ltd
Prime Commercial Bank Limited
Saudi Pak Commercial Bank Ltd
PICIC Commercial Bank Limited
Soneri Bank Limited
Union Bank Limited
Muslim Commercial Bank Limited
Allied Bank oI Pakistan
Union Bank Limited
Mashreq Bank

eanwhile, western banks started entering into the business. They, with the support oI ruling
ncentrated on the big business, leaving the routine business to the local banks. This reduced the
ility oI the local banks.
oreign Banks

ABN Amro Bank
Al Baraka Islamic Bank
American Express
The Bank oI Tokyo Mitsubishi
CITI Bank
Credit Agricole Indo Suez
Deutsche Bank
Doha Bank
Emirates Bank
Habib Bank A. G. Zurich
Hong Kong Shangai Banking
Corporation
IFIC
Mashreq Bank PJSC
Oman Bank
Rupali Bank
Standard Chartered Bank
pecialized Banks
Zari Tarqiati Bank Ltd.
Industrial Development Bank oI Pakistan
Punjab Provincial Cooperative Bank
Limited
re 17 listed banks in Pakistan 2004. Four banks are still not listed, which are Habib Bank,
Bank, Allied Bank oI Pakistan, Dawood Bank. Standard Chartered Bank, Citibank, Deutsche
d ABN AMRO Bank are main Ioreign banks in the country. These Iour banks continue to
signiIicant share in the market, both in terms oI deposits and advances. All the Ioreign banks oI
ntry are busy to invest heavily in the Iield technology and e-commerce in order to overcome
limitation. All the Ioreign banks have been busy to introduce new products and idea to grab
roportion oI the local markets. Foreign banks are carrying major proportion oI local business in
ards, consumer Iinances and housing Iinance.
omestic banks have increased their general standards. Ours is the age oI plastic money.
-based services are constantly increasing the number oI ATM machines, either by installing
n machines or making arrangements with other networks. The number oI Debit Cards has also
reasing at an unprecedented rate.
domestic and Ioreign banks vigorously institutionalized consumer Iinancing in the country and
handsome proIits. The borrowing to private sector has also increased which ultimately boasted
itability oI all the domestic banks oI the country. In the last 3 to 4 years many domestic banks
en suIIering Irom surplus liquidity crisis mainly due to low demand Ior credit and slowdown oI
cturing sector in the country. Almost all the banks are now buy to invest in capital markets to
their exposure in equities. To stop that risky trend the State Bank oI Pakistan issued the
ions to Iollow the Prudential Regulations in letter and spirit and not invest in the capital
beyond the limits. The domestic bank`s lending under consumer Iinance and housing Iinance
been growing. The analysis oI Annual Reports oI banks shows that their income Irom core
activities has been growing. The other positive point is that there are growing expectations Ior
in interest rates.
wth in advances has started matching growth in deposits. The quality oI asset as well liability
s have been improving. The ratios oI non-perIorming loans have decreased. The SBP29
has beneIited the banks as well as the borrowers to pay-oII their long-standing dues. Bank
is the Iirst to opt Ior the listing policy oI the government and also oIIered its share to general
Two oI the state-owned banks, Habib Bank and United Bank, have been privatized.
ank oI Pakistan was privatized in early nineties. But due to many internal and external reasons
ues to suIIer. Some meaningIul senior managerial changes would be better at the earliest.
Bank has recently emerged on the banking scenario oI Pakistan and it is good addition. The
s come into existence as a result oI acquisition oI Pakistan operations oI a Sri Lankan bank by
usiness group. It is also not listed at the local stock exchanges. Meezan Bank is the Iirst bank
ountry, which is carrying complete Islamic banking.
omparative Analysis
Comparative Analysis of Domestic Banking Industry of Pakistan
(Rs. million)
Deposit Advances Investments
51,732 30,035 26,759
34,240 23,775 18,831
23,767 6,621 8,295
7,761 3,298 1,328
24,554 21,935 6,842
N BANK 328,182 167,523 142,877
2,640 490 2,118
5,079 3,532 856
28,515 19,444 15,013
182,706 78,924 89,610
362,866 140,547 143,525
21,155 10,876 10,306
14,640 9,016 7,534
12,341 8,522 6,365
20,545 11,378 9,844
37,760 28,890 11,822
154,915 74,117 69,385
arketing Analysis
arket Recognition
second consecutive year, NBP was recognized as the best bank in Pakistan by the prestigious
al, 'The Banker" UK (a subsidiary oI Financial Times Group). Furthermore M/s JCR-VIS
ating Company Limited maintained its rating oI AAA, while the standalone rating was raised
notch to AA-, which is one oI the highest in the banking sector.
uture Outlook
uction in the interest rate environment will overall have a negative impact on the Iinancial
proIitability in the short term. To meet these challenges we will Iocus on building our loan
o, both on corporate and retail side. On the retail side Iocus will be on additional Iee business
aintaining stringent controls over cost. Longer term we will be Iocusing on those sectors in the
, which have traditionally received less attention Irom the Iinancial sector, i.e. agriculture,
d medium enterprises and oI the entire range oI retail products. Our key strength remains our
r base oI over 9 million and we are conIident that we are positioned to capitalize on the
nities.
NK CHARGES EFFECTIVE FROM 01.01.2006
TERNATIONAL BANKING
L VOLUME
PORTS. DURING A CALENDAR
Ist Qtr. Each Sub.Qtr Minimum
R OF CREDIT. Or part or part amount
thereof. Per L/C
ing of cash Letters of Credit. a. Upto Rs.20 (M) 0.40 0.20 Rs.1, 000/-
Rs.50 (M) 0.35 0.20
Rs.100 (M) 0.30 0.20
Rs.250 (M) 0.25 0.20
Rs.500 (M) 0.20 0.15
Rs.1, 000 (M) 0.15 0.10
e Rs.1, 000 (M) 0.10 0.05
cted Annual Volume is to be ascertained and got approved by the Competent Authority
tment letter Irom customer Ior paying diIIerence in commission arising out oI short Iall in
s commitment.
ommission Ior the increased liability should also be recovered Ior un-expired L/C period. In
bility increases (due to exchange rate Iluctuation) by virtue oI providing Iorward cover to the
r aIter opening oI L/C.
lidation Commission.
iry oI L/C when the same is revalidated, revalidation commission should be recovered as is
le Ior opening oI Fresh Letter oI Credit, as in ( i-a ) above. L/C commission will be calculated
mount oI liability as per exchange rate prevailing on the date oI revalidation
sfer Commission.
Letter oI Credit is transIerred to a new beneIiciary, transIer commission should be charged as
le in case oI Fresh Letter oI Credit as in ( i-a) above.
roval from SBP for re-import of Consignment back to Pakistan. Rs.2, 000/- (Flat) per case.
ancellation Charges Rs.1, 000/- (Flat) Plus actual telex charges
-reimbursable Letter oI Credit under Barter/Aid/Loan and authorization to Pay. 1 on 1st
and 0.30 Ior each subsequent quarter or part thereoI Minimum oI Rs.2, 000/-
nder Suppliers/Buyers Credit, 'Pay as you Earn Scheme and DeIerred payment L/Cs Ior
I one year.
ssion 0.40 per quarter or part thereoI (at the time oI opening oI L/C, it is to be charged on
unt oI L/C liability plus interest payable thereon Ior the period Irom the date oI opening oI L/C
xpiry oI L/C, thereaIter commission is to be recovered on six monthly basis on
ing/reducing liability as per revised Schedule oI Charges applicable on that date.) In case
cover is provided against L/C under Suppliers/Buyers Credit, L/C commission should be
ed at booking rate Ior which liability voucher is to be passed. This is due to the Iact that
e Iee is being recovered in advance.
lls are to be drawn at a Usance under the above Letter oI Credit other than PAYEES And
rs/Buyers Credit and deIerred payment Letters oI Credit on yearly basis.
0/- per bill (Flat) to be charged at the time oI retirement oI bills.
Commission 0.10 per month is to be recovered/charged Ior the Usance Import Bill Ior
iod beyond validity oI Letter oI Credit.
ments.
- per transaction (Flat) or commission under item (I.-a) or (ii-a) Pg-1, iI amendment involves
in amount or extension period oI shipment.
nce oI Standby Letters oI Credit (i.e.) beneIiciaries in Ioreign countries) directly or through
ondent bank/bank`s Ioreign branches/oIIices.
er quarter or part thereoI Minimum Rs.1, 000/- plus
ondent bank charges iI any.
elex US$ 20/- per telex /swiIt message
US$ 10/- per postage
ments.
/- per transaction (Flat) or iI amendment involves (increase in amount or extension in period)
As above
r providing certiIied photocopies/ transIer oI Category Pass Book. Rs.1, 000/- (Flat)
ssing charges Ior new Import Registration. Rs.1, 500/- (Flat)
wal oI Category Pass Book Rs.1, 000/- (Flat)
k-up in case oI Import Bill under Import Letter oI Credit.
isas per Rs.1,000/- (or as per Sanction Advice) on daily products Irom the date oI
sement till the date oI retirement.
`s commission on bills under Import Letter oI Credit.
ion to mark-up as per VI (a) Bank`s commission is to be charged as under:-
ired within 10 days
e date oI lodgment. No commission
ired during 15 days 20 Paisas per Rs.100/-
ent to the period on purchase price.
(1) above.
ired during next 15 25 Paisas per Rs.100/- days aIter the period on purchase price mentioned
) above.
ired during next 35 Paisas per Rs.100/- 190 days aIter the period on purchase price mentioned
) and

ranches in their notice to Importers will indicate the sale price (Marked-up) by
Rs.11.50 Ior each Rs.100/- or part thereoI and will recover mark-up Irom the date oI
sement to the date oI retirement oI the bill by the client by applying the Slab oI rates as per
VI) above.
Iit oI cash margin recovered at the time oI opening oI L/C will be given to the
rs at the time oI retirement oI documents.
ark-up will be charged Irom the date oI reimbursement till the date oI lodgment oI documents
under Import L/Cs where the amount as per reimbursement arrangement is made to the
ting bank only on receipt oI the documents.
se oI FIM the Iollowing mark-up will apply:-
i. Mark-up 43.836 Paisas per Rs.1, 000/-on daily
product (or as per Sanction Advice) against
Regular Credit Line under approved arrangement.
ii. In case oI Forced Creation oI FIM penal
charges to be recovered not exceeding Paisas 50
per Rs.1, 000/- on daily product basis.
iii. In case FIM is created and Bank arranges
Clearance oI consignment under Sight L/C, 50
Paisas per Rs.1, 000/- on daily products shall be
charged Irom the date oI creation oI FIM plus 1
handling charges/commission.
se Forced FIM is created due to non-payment on maturity against DA/Suppliers Credit L/C.
ssion 0.35 is to be charged (once only) in addition to mark-up Paisas 50 per Rs.1,000/-
e date oI maturity till the date oI payment.
reserves the right to change the mark-up rate on case to case basis.
ort Bills returned unpaid. Handling charges US$ 50/- (Flat) Irom Forwarding Bank plus
charges iI any.
ction Rs.750/- (Flat) per collection provided no charges are realized Irom the correspondent.
ignments. 0.20 (Flat) handling charges at the time oI registration oI contract/ purchase order/
a invoice Minimum Rs.500/-
rt against advance payment to suppliers. Rs.750/- (Flat) plus usual remittance charges.
ice charges against Import transactions i.e. Import Bills/PAD/Collection. Paisas 10 per
- or Re.1/- per mille. Minimum Rs.500/-
bursement charges (payable to reimbursing Banks.) At actual. Charges Ior borrowing
rs as per arrangement.
XPORTS
ssing Charges Ior Export Registration. Rs.200/- (Flat)
r of Credit.
sing. Rs.350/- (Flat)
ndment Advising. Rs.250/- (Flat)
tiation oI Bills against Letters oI Credit issued under Barter/Remittance From SBP. 0.25
m Rs.200/-
irmation. 0.25 per quarter Minimum Rs.250/-
Ier oI Export L/Cs. Rs.350/- (Flat)
bursement payment to other local bank Irom Non-Resident Rupee Account. Rs.350/- (Flat)
e documents are sent to other banks Ior negotiation under restricted Letter oI Credit. Rs.350/-
ection.
Cheques/DraIts/FTCs. Rs.100/- per Collection (Flat)
mentary (on which bank do not earn any exchange diIIerence). Rs.200/- per Collection (Flat) v.
draw back claims. 0.25 oI the amount oI claim Minimum Rs.250/- per claim.
ling oI export documents against which advance payment is received. Rs.200/- (Flat) plus
harges.
ection FEBCs, DBCs, FCBCs, Special USSDBs and coupon.
rges on E-Form Endorsement & issuance oI advance payment slip. 0.20 Minimum Rs.200/-
s.500/-
ice Charges against export documents sent on collection basis where payment cover is already
to our Foreign Currency Account. Paisas 10 or Re.1/- per mille.
EMITTANCES.
WARD
gn Traveller Cheques. 1 oI the amount oI Traveller Cheques sold Min. Rs.200/-
ittance abroad through Foreign Currency Account. Commission US$ 1.00 per US$ 1,000/-
hereoI Min. US$ 5.00 Maximum US$ 25.00 plus telex charges Rs.250/- per telex in case oI
hic transIer.
ittance against surrender oI F.C Notes or cash deposited in F.C Account within 10 days Irom
oI such deposits.
Service Charges 1.0 to be recovered Irom the customers in case cash deposited in FC
t is encashed /converted into Pak Rupees within 10 days Irom the date oI such deposit . In
to mentioned under b (i ) above service charges 1.0 to be recovered in case the
ce amount exceeds US$ 5,000/- or its equivalent in other Ioreign currencies.
ection Ior Foreign Currency Accounts
ttance abroad other than through Foreign Currency.
0 Ior collection up to US$ 1,000/-
.00 Ior collection above US$ 1,000/-
nts (Ior education purposes). Rs.50/- plus telex charges Rs.200/- per telex iI
quired or usual postal charges as prescribed.
r than students.
per US$ 1,000/- Min. Rs.200/- and Max. Rs.500/- plus telex charges Rs.300/- per telex Ior
hic transIer or usual postal charges as prescribed.
ce Charges against issuance oI Foreign Mail TransIers (FMTs) Foreign Demand DraIts (FDDs)
Telegraphic TransIer (FTT) & Travellers Cheques (TCs) against Pak Rupee. Paisas 10 or
er mille.
/FTT/FMT Cancellation Charges Ior Ioreign currency account. Rs.200/- per item plus
stage charges
ce oI Duplicate FDD. Rs.300/- plus usual telex/postage charges
N W A R D
e Remittance No Charges (Zero TariII)
rs. Nil, iI proceeds are credited to an account with the drawee bank. In other case a Ilat
oI Rs.10/-
shment (Purchase) oI Traveler Cheques. Rs.100/-(Flat)
ce Charges on payment oI Inward Foreign DraIts/Foreign Mail TransIers where payment is
beneIiciaries aIter payment cover is received to our Foreign Currency Account. These charges
e recovered only when T.T buying rate is applied. Paisas 15 per Rs.100 /-Minimum Rs.200/-
ission/Handling Charges on Deposits oI Currency notes Ior the credit oI Foreign Currency
ts. Nil, iI no remittance aIIected within 10 days oI the date oI deposit, otherwise remittance
service charges as per schedule C b (ii)
ISCELLANEOUS.
ge/Cable/Fax/Courier
al subject to Minimum, as under:-
ge (Ordinary) Local Rs.25/- Inland Rs.40/
ge (Registered) Local Rs.30/- Inland Rs.50/- Foreign Postage at actual Min. Rs.100/-
ram Local/Inland Rs.50/-
/Fax/Telephone/SwiIt Local Rs.20/- Inland Rs.25/- per minute Min. Rs.50/- Foreign: - . Full
/C/Guarantee and long Message Rs.1, 200/- Ior Iull message Ior
essage Rs.400/- . L/C/Guarantee amendment, Telegraphic TransIer and Miscellaneous
es Rs.1, 200/- Ior Iull message. Rs.400/- Ior short message
ier Local Rs.50/- Inland Rs.70/- Foreign Rs.1, 100/-
gn Bills sent Ior collections returned unpaid Rs.350/- (Flat) plus telegram charges iI any.
rd Collection received (relating to F.C Account) Irom abroad or local banks/branches and
he payment is demanded in Foreign Currency. US$ 3.00 per US$ 1,000/- or part thereoI
m US$ 3.00 Maximum US$ 6.00
rd cheques expressed in Ioreign currency drawn on Ioreign currency A/cs received Irom
country bank`s branches Ior payment in Pak Rupees aIter conversion at authorized dealers
T.T clean rates. Commission Paisas 15 per Rs, 100/- Minimum Rs.200/-
nce oI proceeds certiIicate beyond one year. Rs.500/- (Flat) per certiIicate.
nce oI Business PerIormance certiIicate at customer`s request. Rs.500/- (Flat) per certiIicate.
ding Instruction Charges in Foreign Currency Accounts. US$ 5.00 per instruction
OMESTIC BANKING
EMITTANCES.
e oI DraIts, MTs, & TTs:
Rs.100,000/- 0.10 Minimum Rs.50/-
Rs.1, 000,000/- 0.05 Minimum Rs.100/-
Rs.1, 000,000/- 0.04 Minimum Rs.400/-
nce oI Duplicate DraIt.
ccount holders Rs.200/-
on account holders Rs.250/-
ram Charges on TTs. (whether through Telex/Fax) Actual, Minimum Rs.75/-
k Call charges on issuance oI T.Ts Rs.100/- (Flat)
ge on MTs.
ier Charges. Actual Minimum Rs.30/- iI sent by Registered post locally, Rs.50/- iI sent by
red post Inland on party`s request. Local Rs.50/- Inland Rs.75/-
AY ORDER.
nce oI pay order:-
ccount holder Rs.50/- (Flat)
on-account holder Rs.100/-(Flat) Rs.25/- (Flat) Irom student Ior payment oI Iee Iavoring
nal institution
nce oI duplicate Pay order
ccount holder Rs.100/- (Flat)
on-account holder. Rs.150/-(Flat)
suance Of Call Deposit Receipt
ccount holder Rs.50/-
on-account holder Rs.100/-
ellation/Issuance oI Duplicate Call Deposit Receipt.
ccount holder Rs.100/-
on-account holder Rs.150/-
d Travellers Cheque. (Other than NBP iI any) 0.25 Minimum Rs.25/-
iv. Inland Letters oI Credit. (Opening
commission)
Business
s.50 (M) 0.40 per quarter or Up to Rs.75(M) 0.35 part thereoI Up to Rs.100(M) 0.25
00(M) Negotiable Minimum Rs.1,000/
dment Charges.
out increase in amount or extension in period oI shipment Rs.500/- (Flat)
lving increase in amount and/or extension in period oI shipment Rs.500/- per
ion/commission as per item (iv) above
sing/Amendment/ConIirmation Charges oI (Inward) Inland L/Cs. above Rs.500 (M)
harges negotiable on case to case basis under approval oI Business Group
ame as applicable in case oI Export L/Cs Rs.500/- (Flat)
orities to encash cheques. No commission by issuing branch but charges on purchase oI
will be recovered commission 0.80 Minimum Rs.25/- plus Courier Charges Rs.30/-
DD/TT Cancellation
ccount holder Rs.50/-
on-Account holder Rs.100/-
ance Charges Rs.200/-(Flat)
ILLS.
ction:-
mentary Bills. 0.40 Minimum Rs.50/- plus postage/courier charges.
n (including cheques/dividend warrants/bank draIts etc)
BP own cheques/DD/PO 0.20 Minimum Rs.50/- plus postage/courier charges as mentioned

mission should be charged on out station cheques, drawn on places where there is an oIIice oI
, which are received Irom Government Departments Ior credit to Government Account. This
does not applied to outstation cheques tendered by the PUBLIC in payment oI Government
on which the Bank`s usual charges should be levied. As per Zakat & Ushr Ordinance 1980,
ed in 1997) banking services and services connected with the assessment collection or
ment oI Zakat & Ushr realizable on compulsory basis under this ordinance are to be rendered
harge. Hence no collection charges shall be recovered on cheques drawn on Central Zakat
r crediting to account oI their beneIiciary. 0.15 Minimum Rs.50/- plus applicable
/courier.
hase oI bills, cheques etc.`
mentary Bills other than those drawn against Letters oI Credit
Bills (trade cheques, bank draIt etc.) a. 0.25 Minimum Rs.50/- plus applicable
/courier charges. b. 0.40 Minimum Rs.25/- plus applicable postage/courier charges.

ge/Courier Charges are to be recovered on collection/realization oI each instrument(whether
documentary). However, in case where party has deposited more than one cheque/instrument
ticular date to be collected/drawn on the same branch oI the bank, postage/courier charges are
covered (once only.)
ction oI cheque oI small amount may be eIIected through normal dak (other than
) iI specially requested by the party in writing Ior which he will be responsible Ior the delay.
r cheques/demand instruments (Like dividend warrants). 0.60 Minimum Rs.20/-

cting agent`s charges iI the Collecting bank`s is other than the Bank will be extra.
ram/Trunk Call Charges will be Extra, iI Iate oI the instruments is asked Ior by telegram.
ning Charges Ior Documentary & Clean Collections, in case the instruments are returned
Rs.100/- Courier Charges as above (Documentary) Rs.100/- Courier Charges as above
.
-up shall be applied as under on bills purchased/negotiated. II retired up to 21st days Irom the
Purchase but during next 210 days (cushion period) 40 Paisas per Rs.1, 000/- per day
ge Charges. i. No Charges, iI cleared within 3 days oI its receipt by the branch.
-per packet per day Min. Rs.50/-
umentary bills drawn against Inland
etters of Credit.
Ior borrowing customers as per arrangements.
T BILLS.
tiating end Negotiating Commission 0.50 Minimum Rs.500/-
ction Charges (Inland L/Cs) Rs.500/- (Flat)
ction Charges Ior restricted L/C (where Negotiation is restricted to some other Banks and
d to us Ior Iorwarding). Rs.500/- (Flat)
ening end (at the time oI retirement) rate oI Mark-up.
red within 3 days Irom the date oI lodgment Mark-up 45 Paisas per Rs.1, 000/- on daily
Irom the date oI negotiation.
ired aIter 3 days oI lodgment Mark-up 45 Paisas per Rs.1, 000/- on daily product plus Banks
ssion 0.25

k-up will be charged Irom the date oI negotiation till the date oI lodgment oI documents
under Inland L/Cs where the payment as per reimbursement arrangement is made to the
ting bank only on receipt oI documents.
gotiation is restricted to some other bank.
/C cancellation charges Rs.500/- (Flat)
ing Bank/Branch would charge handling charges oI Rs.200/- (Flat) per bill (commission will
pplicable).
2 USANCE BILLS
ing end.
ling Charges. Rs.0.40 per bill Minimum Rs.500/- at the time oI retirement oI bill.
ls matures aIter expiry oI L/C. Usual Charges as in (a) above plus delivery oI documents
acceptance commission 0.10 per month on bill amount on realization Irom the date oI
I L/C but Minimum Rs.500/-
unting oI Inland Usance Bills. Markup 25 paisa per Rs.1000/- on daily product (or as per
n Advice) plus Ilat Commission 0.1.
llecting end.
ction Charges Commission 0.30 Minimum Rs.200/-
se oI purchase. Usual Commission as in (a) above and keep mark down 0.75 Ior every 15
m the date oI purchase till the date oI maturity.
r charges as per quote (i) & (ii) and (c) above wherever applicable will be extra.
RO1ECT FINANCES/ADVANCES
ng Charges may be recovered in-addition to interest/mark-up return on investment.
ct Application Fee
fundable)
ng charges will be recovered in addition to mark-up/Return on Investment.
aneous (i.e. is charges Ior documentation, evaluation oI security and maintenance thereoI etc.)
al, in addition:
ct examination fee 0.50 (Ilat) aIter acceptance oI sanctioned by the company but beIore
ment oI the total amount oI sanctioned (Funded and Non Funded Both) Minimum Rs.15, 000/-
l documentation fee. 0.25 Flat aIter acceptance oI sanctioned by the Company but beIore
ment oI the total amount oI sanctioned (Funded and Non
Both)
ct monitoring fee 0.25 p.a. payable quarterly on outstanding amount (Funded and Non
Both)
mitment fee 1.50 p.a. payable quarterly on the un-disbursement amount oI sanction
only)
t End/Arrangement Fee. 1.50 (Flat) wherever applicable as per Bank`s discretion.
sional rates are admissible on case to case basis with the approval oI Head OIIice
aneous Charges for issuance of NOC.
ance oI NOC at the request oI customers/clients Ior creating additional/pari-passu
/second charges on their Iixed assets Ior acquiring Iurther project Iinance Irom other
Financial Institutions. Rs.10, 000/- (Flat)

ry of these charges waived from:
ts having total Iacilities exceeding Rs.100 (M)
ts allowed Iacilities under consortium Iinancing.
emption oI charge Iee to be recovered Irom party when bank oIIicers are called
egistrar Ior redemption oI the mortgage. Rs.2, 500/-
tion oI charge with SECP. Rs.1, 000/-
tration oI charge at Registrar OIIice with SECP. Actual Rs.2, 000/- per case.
range lien on securities issued by other Institutions. Rs.250/- per trip.
ODOWN CHARGES
wn Rent. Actual
ies oI Godown Keepers/Chowkidars Actual
wn Inspection Charges.
ut any municipal limit. Actual Treatment
party account iI Godown inspection charges are up to Rs.500/- Ior payment to staII.
party and credit to bank income account iI inspection charges are more than Rs.500/- and
sement oI TA/DA charges through debit to 'Expenditure Account with the approval oI
ent authority.

on oI Godown by Regional/ Head OIIice Auditors/External Auditors and occasional surprise
g by Regional Headquarters etc. No such charges will be recovered Irom the parties as it is a
ormal bank duty.
ery Charges: - II a godown keeper is not posted conveyance Charges will be recovered. At
incidental expenses. Insurance premium. Legal Charges.
al
ling charges on marking oI lien on Govt. Securities Rs.500/- (Flat) per customer
ing oI lien on Securities issued by NBP Ior other banks Rs.500/- (Flat) per customer

ecovering the miscellaneous Charges like godown rent, godown staII salary, and inspection
the amount recovered Irom the borrowers shall not exceed the total rent oI godown, salary oI
own staII etc. In other word miscellaneous charges should be levied as per actual and not
a source oI proIit to the bank. However, reimbursement oI actual conveyance charges to be
concerned staII to the debit oI Expenses Account aIter proper approval oI the competent
y.
TANDING INSTRUCTIONS FEE.
g Instructions Iee will be recovered in addition to the usual charges on remittances, iI any.
- per transaction.
ND PURCHASE OF SECURITIES SAFE CUSTODY ARTICLES IN SAFE
ITS & SAFE DEPOSIT LOCKERS.
le and purchase oI shares and Securities
50 up to Rs.10, 000/- oI purchase price or cost thereoI Minimum Rs.50/-
10 on amount exceeding Rs.10, 000/- Minimum Rs.75/-
s & Securities held in saIe custody as a result oI order oI purchase executed through the bank
covered up Iront) Rs.0.50 (Flat) per annum or part thereoI oI the Iace value with the
m oI Rs.300/-
bove charges is in addition to brokerage.
mission is not to be recovered on purchase oI newly Iloated securities, where it is payable by
t. / Govt. Agencies and Irom the subscribers to new Shares Iloatation. A rebate oI 50 in SaIe
Charges will be applicable to all clients maintaining Minimum balance oI Rs.1 billion or
hroughout the year in NIDA Account.
orders Ior purchase or sale oI shares/ securities are executed through the banks, other oIIices,
ental expenses such as postage, insurance charges etc., incurred will be recovered in addition
ommission / brokerage charges.
drawal Iee on shares and securities held in saIe custody (to be recovered at the time oI
wal.)
up to Rs.10, 000/- oI the paid up or Iace value Minimum Rs.50/-
on amount exceeding Rs.10, 000/-
drawal Iee on Government Securities. Rs.10/- per scrip. Where share and/or securities sold are
ose held in saIe custody, either commission on sale oI shares and securities as shown against
or withdrawal Iees as shown against item (iii) whichever is higher, will be charged but not
ges Ior collection oI interest/ return / dividend. 0.30 on the amount oI interest/return/
d collected/ Paid Minimum Rs.20/-
dling Charges Ior conversion, renewal, consolidation or Sub division oI Government
es. Rs.10/- per Scrip.
lic Flotation oI Shares/Modaraba CertiIicates/ OIIer Ior Sale oI Shares/Dis investment/Term
CertiIicates. Commission 0.50 plus Out oI Pocket Expenses - actual
Commission negotiable on case to case bases.
ment oI Dividend Warrants through designated branches. Commission 0.50 plus Out oI
Expenses actual
Commission negotiable on case to case basis
stody Articles in Safe-Deposit lockers.
posit Iee (to be recovered in advance at the time oI deposit or at the commencement oI each
)
oxes and Packages. Rs.4/- per 100 cubic inches or any part thereoI with a minimum oI
- per quarter.
nvelopes. (Contents unknown) Rs.2/- per 25 square inches or any part thereoI with a minimum
0/-
Deposit Lockers Fee Ior SaIe Deposit lockers (to be recovered in advance or at the
ncement oI the period yearly, halI yearly, quarterly as the case may be.)
0.40 cIt Small Rs.1, 000/- per annum
41 to 0.80 cIt
81 to 1.35 cIt Medium Rs.1, 500/- per annum
36 to 1.75 cIt
76 to 2.00 cIt Large Rs.2, 500/- per annum
01 to 2.50 cIt
51 to 3.00 cIt Extra- Large Rs.4, 000/- per annum
posit.
will apply at the Small Rs.3, 000/-
I issuance oI new
s. Medium Rs.4, 000/-
x-Large Rs.4, 000/-
g Charges.
0/- per locker/Actual (whichever is higher)
VICE CHARGES FOR INVESTMENT IN PAKISTAN INVESTMENT BONDS (PIB)
m Custodial charges. Rs.100, 000/- per annum per PIB issue or Rs.8, 333/- per month.
lue Balance oI up to PKR 1 Million No Charges.
lue Balance oI PKR 1 Million to PKR 200 Million Maximum 0.05 p.a. with a Minimum
oI PKR 1,000/- per month
lue Balance in excess oI PKR 200 Million PKR 8,333/- per month
al Service Charges are to be calculated on month-end balances & charged to customers
, with no charge on initial sale/origination oI transaction. Subsequent sale/transIer to an IPS
oI another PD is subject to a charge oI Rs.1, 000/- per transIer/transaction. The aIoresaid
are linked to each individual issue and should not be levied on aggregate basis.
UARANTEES.
es Ior borrowing customers. As per arrangement.
antees issued to shipping companies in lieu oI Bill oI Lading or endorsement oI copy oI
s Bills in absence oI original Airways Bill. Rs.1, 000/- (Flat)
rantees issued to Collector oI Custom in lieu oI payment oI Export Duty which are valid up to 6
. 0.50 per quarter or part thereoI Minimum Rs.1, 000/- (2.00 per annum).
nce oI Ioreign guarantees (i.e. beneIiciaries in Ioreign countries) directly or through
ondent bank/bank`s Ioreign branch/oIIices 0.40 per quarter or part thereoI Minimum Rs.1,
us correspondent bank charges iI any. SwiIt/Telex US$ 20/-per Tlx/SwiIt message Postage
/- per postage Amendments in (iv) above. US$ 20/- per transaction (Ilat) iI amendment
s (increase in amount extension in period) commission as above.
nder Suppliers/Buyers Credit 'Pay as you Earn Scheme
ssion 0.40 per quarter or part thereoI (at the time oI issuance oI L/G it is to
ed on Iull amount oI L/G liability plus interest payable thereon Ior the period Irom the date oI
e oI LG/ till the expiry oI L/G thereaIter commission is to be recovered on six monthly basis on
ing/reducing liability as per revised Schedule oI charges applicable on that date.) In case
cover is provided against L/G under Suppliers/Buyers Credit, L/G commission should be
ed at booking rate Ior which liability voucher is to be passed. This is due to the Iact that
e Iee is being recovered in advance.
se oI L/G under taking to be issued Iavoring any bank Ior providing Iorward cover exchange
er Suppliers/Buyers Credit on behalI oI applicant.
er Guarantees
arantees issued against collateralization oI Ioreign currency deposit. L/G commission to be
1.6 per annum to reducing liability on booked rate Minimum Rs.1,000/- 0.40 per
or part thereoI Minimum Rs.1,000/- (1.6 per annum) up to one year)
sit More than US$ 500,000/- 0.25 per quarter or part thereoI Minimum Rs.1, 500/- (1 per

sit more than US$ 500,000/- up to 5,000,000/- 0.125 per quarter or part thereoI Minimum
/- (0.5 per annum).
sit more than US$ 5,000,000/- Nil
ndments Rs.300/- per amendment (Flat) or 0.40 per quarter or part thereoI iI amendment
s increase in amount oI extension in validity Minimum Rs.500/-

uarantees issued by bank must contain speciIic amount and expiry date and commission to be
Irom the date oI issue till expiry oI the L/G up Iront.
iod oI Bank Guarantee exceeds one year than commission be recovered on year to year basis.
alculation purpose a quarter would consist oI 3 months starting Irom the date oI issue oI
tee (Three calendar months will make one quarter.)
MISCELLANEOUS CHARGES
ce Charges on PLS Saving Accounts including dormant, inoperative and unclaimed with
average balance below Rs.5,000/-.
tions:-
lowing categories oI account holders are exempted Irom levy oI the Service Charges:
nts
htahiqueen oI Zakat
loyees oI Government/ Semi- Government institutions drawing salary / pension.
on availing any consumer product related Iinance Iacility Irom the bank would also be exempt
vy oI service charges.
BP employees or their spouses drawing pension/medical Irom the bank. Rs.50/- per month
1-02-2004
ce Charges on Current Accounts including dormant, inoperative and unclaimed with monthly
balance below Rs.5, 000/-. Rs.50/- per month w.e.I.01-01-2004
icate statements oI account older than one year Rs.50/- per statement oI account
nce oI SBP/NBP Cheques. Rs.300/- per cheque
ling charges Ior issuance oI students exchange remittance permit and maintenance oI record Ior
ent remittance. Rs.200/- per annum
payment oI cheque. Rupee A/c Rs.150/- per instruction. F.C A/c US$ 5/- per Instruction
EXTRA.
yment charges are to be levied one time Ior stop payment instructions whether it is Ior one or
eques.
ance oI Cheques where Clearing House Facility not established. No Charges.
ction/encashment oI proIit coupons on Govt/Saving Centers under lien to us. Rs.200/- per trip.
ication oI test Ior other banks/parties Rs.250/- (Flat)
dit inIormation report including credit report on Ioreign suppliers/buyers. Foreign
ondent/reporting agencies charges at actual Tlx. Charges.
istration oI contract with SBP in respect oI private Ioreign currency loan obtained by borrowers
tan Irom Ioreign lenders. Handling charges Rs.5, 000/- (Flat.)
Iirmation oI balances to auditors. Rs.400/-
nce ConIirmation CertiIicate (required by customers other than auditors). Rs.100/- per
te.
rges Ior Cheques returned unpaid (when Iault lies with the customer) to be recovered Irom the
n whose behalI the instrument is being collected and collecting bank will apply these charges.
bearer cheque returned on the counter no such charges will be applicable. Rupee Account 200/-
ue. F.C Account US$ 5/- per cheque.
ance oI new cheque book in lieu oI lost cheque book (Rupee A/c only). These Charges are in
to stop payment charges as prescribed in (4) above. Rs.75/- per cheque book in rupee
t. US$ 2/- in F.C Account.
ance oI loose cheque. Rs.50/- per cheque Rupee A/c US$ 1/- F.C A/c
ount closing charges. Rs.250/- Ior Local Currency or entire amount iI balance in the account is
s.250/- . US$ 5/- Ior Foreign Currency or entire amount is below US$ 5/-
ges on closing oI old Irozen FC A/cs
ance oI Cheque Book Rs.2.50/- per leaI Mailing Charges Ior Cheque Book. Actual.

rges will be recovered Irom customers maintaining deposit balances oI US$ 25,000/- and
r equivalent oI Rs.1/- (M) and Bank StaII are also exempt Irom levy oI this charge.
rges Irom employer on Salary Disbursement Services. Rs.25/- per salary account per month.

er oI Commercial Organizations (other than Govt.and Semi-Govt. and Autonomous
disburse salary to their employees through our branches. Where such organizations do not
n suIIicient Iunds or route suIIicient business through our bank to justiIy workload oI salary
ment, bank is justiIied to claim charges Irom them Ior the additional workload.
not charge individual accounts under Prudential Regulations. We can however, charge the
ers where they do not maintain suIIicient Iunds or route ancillary business through our bank.
t charge them Ior disbursement oI salary to their employees. ATM Facility. ATM card will be
ree oI cost. However, annual renewal Iee oI Rs.300/- will be charged. Transaction cost Ior NBP
r using another bank ATM under 1-LINK ATM SWITCH Service. Rs.15/- per transaction
or Corporate Customers & MNCs With aggregate exposure oI over Rs.500/- Million (Both
d and non Iunded) and in case oI all MNCs L/C Opening guarantee issuance and remittance
transIer) charges. As per negotiation with the customer.
WAIVER OF CHARGES FOR CUSTOMERS MAINTAINING MONTHLY AVERAGE
CE OF RS.2.000 (M) AND ABOVE IN CURRENT ACCOUNT OR RS.5.000 (M) AND
IN PLS SAVINGS ACCOUNT/NIDA ACCOUNT
ission on DD/TT/MT & pay orders.
ellation/Issuance/Duplicate Pay orders.
ues returned unpaid.
payment oI cheques.
nce oI new cheque book in lieu oI lost cheque book.
ce oI Duplicate statement oI account older than one year.
nce oI loose cheques.
mission on Overseas Bills/Inland Bills Ior collection business. (Subject to recovery oI postage,
Iax, telex, trunk call charges wherever applicable).
BANK CHARGES FOR GOVERNMENT BUSINESS.
ORT:
Letters oI Credit Less than Rs.250, 000/- 1/8 (0.125) oI the value oI the letter oI
Rs.250, 000/- and above. 1/16 (0.0625) oI the value oI the letter oI credit.
reimbursable letter oI credit under Barter /Aid Loans/Authorization to pay. 3/8 (0.375)
tive oI the value oI the letter oI credit.
ion to above, branches will recover the actual cable/telex/swiIt charges where LCs are desired
tablished through cable/telex/swiIt and conIirmation charges oI Ioreign bank`s iI Ioreign bank`s
ation is also to be added on opener`s request. The above concessionary rates/charges will apply
those Letters oI Credit which cover imports by the Government routed through State Bank oI
. In case LC is received directly Irom the importing agency, normal charges are to be
ed.











6.Tech Society Branch Lahore
TRODUCTION:
old branch oI national bank oI Pakistan. It is Iollowed the instructions and under control in
l head quarter (east region). It is called as a big branch which has required 10 million rupees
terms oI reserves to meet daily requirement oI transactions. It has Iollowing accounts with
l oIIice,
1. general account
2. Suspense Account
3. Commission Account
c they deal in two accounts i-e.
1. Current Account
2. PLS Account
ovide lot oI services like.
1. Deposits
2. Advances
3. Pension
4. Foreign Exchange
5. Compliances
6. Bills
7. ATM
8. Utility, bill, traIIic challan, admission oI AIOU.
9. Locker`s Services
10. Western Union (By name only)
ranch at time 20 executives are providing service. 2 assistant voce presidents are serving at this
M. ZulIiqar (manager) and IIzad Butt (Advances oIIicer). In this year two perIormance awards
he branch.
EARNING AS A STUDENT INTERN:
re Iollowing learning points Ior me in the bank.
uties
irst week in NBP, they assign me worked in pension department. Pension manager Mr.
mad Iqbal trained me very nicely and I learned lot oI things in this department. They give the
to retired Govt. employees. There are three type oI pensions given,
incial
ral
nce
re diIIerent according to their PPO numbers
mple:
ial PPO 123456
PPO 12345/pak
PPO da/dg1/gh/4 etc.
l trained now in this particular job and I serve 1000 people in this week. How to Iill Iarm? How
in ledgers and balance account and what is Iile and book and all other things relating to
department.
d week I perIorm Iollowing tasks relating to the banking system.
d week I worked on opening oI account. In this week I repeatedly perIormed this activity.
week they assign me with operation manager Mr. Numan sagheer He handled the activities
to the branch; check all the work in the branch. He gave me oIIicial computer. In this week I
print so many letters Ior example;
OStatement oI account
OLetter oI tax veriIication
OLetter oI issuance oI clearing certiIicate
O4 letters Ior cheques clearing
OLetters oI relieved oI transIer employees Irom this branch to another branch
OJoining letters oI new employee come Irom other branch through transIer
OExceptions reports oI Mr. Saeed and so many other things.
rint and type the data oI advances department and Ioreign exchange departments. Cheques
daily sheet is also made by me in this week and I am assisted by the other oIIicers. I also learn
e reserve oI the branch and daily Iinances need by the bank and also get some raw inIormation
e opening new accounts.
h week I assign the same task and learn some more complex and major operation oI Sir Numan
I learn about accounts in which the branch deal with the main and other branches, these are as
;
1. General Account
2. Suspense Account
3. Commission Account
4. Exchange Account
ral account the branch debt or credit the other branches oI the NBP. Usually they debit or credit
n branch which transIers the cheques on this. In suspense account branch expenses are made
he end oI six months period inIorm and show the balance to main branch. In commission
bank charges commission against its services. In exchange account they also earn, so Irom last
ounts branch receives earnings Irom main branch against its services.
ly in this week I also learn hoe to open an account in the branch, it is a procedure and aIter it
en an account.
puter I type and print so many letters like,
Reconciliation letter
Relieved letter
Joining letter
Medial recovery letter
the end I also scroll the challan oI Government and pass vouchers.
three days oI IiIth week there are busiest days oI pension department so I help the again
manager. So Iirst three days serve in this particular task.
eek I do same job again and print letters, reports, statements and daily clearing statement oI
. Also work with Mr. ShaIique and Irom him I learn about opening an account, payment order
and draIt. Payment order is made to send payment with in city and draIt is made Ior payment
the city but inside the country.
hat when cheques are coming Irom outside city Ior cash and those cheques which come Irom
s inside city are sent to clearing house, so I made the statement to clearing house Ior clearing
.
week I perIormed Iollowing activities:

day I perIorm the duty on the seat oI bills where Iollowing work is being done,
Opening an account
Issue new cheques books
Make a payment order
Making the draIt
Cheques send Ior clearing
ith this task I also enter the daily post letters in the letter register. This is very busy task is
help the oIIicer in this seat.

day I join the duty with passing cheques oI PLS A/C. There are IiIty three books oI signatures
A/C holders. So I Iind the A/C in these books and then gave to the executive oIIicer to veriIy.
hole day I perIorm this particular task.
day
is also as above routine to sit in Iront oI computer, scroll Iollowing Iiles,
Income tax
Sales tax
Withholding tax
Provincial
Central
Property traIIic
o make up these Iiles separately, scroll them sequence and Iiled these Iiles. Along with this task
print the letters, reports and work sheets.
y
al assigns me the task to rearrange lockers list and set them in a sequence and print them on
articular are these,

t oI rent

date
no


day is served in doing this particular task.
ay the accounts oI holders oI expired lockers are checked. Some have balance in their account
t oI them have non in this branch. Rent Irom those holders how balances have has been
d Irom their accounts through vouchers and to remaining holders reminding letters have been
is is the end oI Friday.
roblems faced by branch:
my internship at this particular branch oI national bank oI Pakistan, there are Iollowing
s I have Iound which are directly aIIect on eIIiciency and perIormance oI the bank. There
s are also called as an internal problems. So these are discussing below.
1. Lack of communication among the employees:
the period oI my internship I Iound this problem as a biggest problem that, they are not very
e in communication between themselves. They do not share the experience with each other and
are the other employee. II one employee has a problem, then he asked to other, but he does not
ar solution to that problems. They are shows the Iacial expressions against each other. Pension
r and other employees are always tried to gain cash/perIormance award and use the reIerences
. They are talk against each other in Iront oI me. So Iinally it is very needy Ior a public services
ation to keep atmosphere Iriendly among the management and employees. National bank oI
(Tech Society Branch) is lack in communication skills among the employees.
2. Ineffective public dealing:
also a big issue that they think its government`s bank so it does not care customers. It is a
erception. There must be a good public dealing in public service organization. II one customer
question twice. They angry on him and stop working. I personally experienced in pension
ent. The manager pension (Mr. Iqbal) have no respect to the old pensioner and he used wrong
against them same is also happened in bills executive in bills (Mr. ShaIique) is also angry on
ers, when they asked question twice, so there should be solve this problem to create a good
ment oI the NBP.
3. Lack of commitment:
commitment is also a bib problem Iaced by the national bank oI Pakistan (wahdat road
. Employees are not committed to the work and their duties. This is very common problem.
mple, Rao Ikhlaq not received the letters Irom last two months. ATM machine is under Rao
ut it is run by operation manager. Mr. Kamran not attached the scroll at time. Mr. Qamar
going on leave oI 3 days but he does not come back even aIter 3 weeks. So internees are
ed duties on his seat. So employees are not very committed to their jobs and duties. Top
ment is also not very committed to this branch. They are not provided employee aIter transIer
ao Ikhlaq. One executive on leave while other transIerred. But not a single executive provide
ranch Iinally it is conclude that there is a lack oI commitment Irom employees and top
ment also Irom employees and Top management also.
4. Low Efficiency of employees:
cy oI employees is also low at this branch. For example Mr. Qamar Zaman Aulik has 10 years
nce at national bank oI Pakistan but he is not proIessional even at single seat in the bank.
he assign the result is zero. During my internship Iirstly he works in advances. He does not sent
to head oIIice at last dates. 95 oI returns are not sent to the regional head quarter. So he was
much proIessional. AIter this he assign in passing the cheques but results are same (zero). So
eIIiciency is very low at this branch.
5. Not very regular and punctual:
ity and punctuality shows the character oI a big and good executive. But this problem is also
y the NBP (Wahdat road) many executive not come at time.
mple Mr. Saeed compliance oIIicer came 10 A.M. While bank is started at 9AM. So some
ecutives are also not coming at time. So there must be solved that problem by the Top
ment.
nal head quarter Mr. Munawir Shah is HRM assistant manager is also come at 10 Am.
6. lack of computing skills:
ting skills are also low, some executive are very eIIicient in computing skills but some are not
ware Irom this system. For example ATM machine at this branch is only handled to Mr. Imran
n manager. When operation manager is on leave due to heart patient, ATM machine is oII not
because no body knows to run this machine. Western Union is not worked eIIectively. The
who handled western Union is careless and other employees are not taken interest in tat Iield.
is western Union Ior just name actually it does not worked.
7. Misuse of resources:
e are very needy, so there must be avoid to misuse the resources but in this branch it is reverse
ere is very wrong use oI the resources, employees does not take care oI resources and not used
right direction. For example wrong printing, extra printing, aIter service time Mr. Hasnain at
sed telephone almost one to two hours to take personally outside the bank. So these are the real
s which are Iaced by the bank.
it is suggested that iI these problems are solved there are much more chances Ior increase the
ance oI NBP. Particularly this branch.
EW KNOWLEDGE ACQUIRED
the internship there is practical knowledge acquired about the banking sector. What activities
ormed by banks and how to deal with public? Also commitment about work and operations oI
inancing and credits and other public services are perIormed by the banks. What are
entations oI banking rules in banking sector? And much learn about the various executive`s
nces and their skills. What is role oI higher authority (manager) in decision making and how to
e problems? How much money or reserves are used to meet the requirements in the branch.
e the duties oI operation manager and how to pay cheques and all procedure relating to
account in the banks?
roblem encountered:
my internship in this bank, the problem which I Iaced that was proper training. They do not
the proper training to the internees. They assign the intern only Iew seats in the bank.
7. Bibliography
w.nbp.com.pk
. Saeed compliance oIIicer
. Numan Sagheer operation manager
. Iqbal pension oIIicer
. IIzad butt assistant vice president
. ShaIique bills oIIicer
Muhammad ShariI vice president and Iormer manager in this branch
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