NBP Final Internship Report

National Bank of Pakistan Civil Line Branch
Table Of Contents
Page #
 Introduction
 HISTORY 01
 INCORPORATION 02
 GEOGRAPHICAL LOCATION 02
 VISION STATEMENT 03
 MISSION STATEMENT 04
 OPERATIONS AND FUNCTIONS 05
Organogram of the Departments 06
Departments
OPERATION DEPARTMENT
 07
HUMAN RESOURCE DEPARTMENT
 12
COMPLIANCE DEPARTMENT
 13
CREDIT ADMINISTRATION DEPARTMENT
 14
FOREIGN EXCHANGE DEPARTMENT 16
Products
 NBP PREMIUM AAMDANI 18
 NBP PREMIUM SAVER 19
 KAROBAR 20
 NBP SAIBAN 28
 NBP ADVANCE SALARY 32
 NBP CASH CARD 34
 NBP INVESTOR ADVANTAGE 35
 NBP GOLD’N CASH 37
 NBP KISAN TAQAT 38
 NBP KISAN DOST 39
 Swot Analysis 40
 Deposit Policies 42
 Lending Policies 46
 Financial Highlights 54
 Last Six Year Performance 57
 Comments On Overall Performance 58
 Customer Analysis 60
 Comments 66
 Findings 69
Department of Business Management Sciences

Dedicated
To my Parents
For Their
Encouragement & Love

Introduction
History
NBP is the largest commercial bank in the Pakistan and was established
under the National Bank of Pakistan Ordinance on November 8, 1949 in
Pakistan. It was established in crisis conditions following the deadlock
with India. The original intention was to setup it sometime in 1950. The
plans for its establishment had to be advanced in view of the critical
situation, which developed especially in the jute trade as a result of India’s
refusal to accept the exchange rate of Pakistan’s rupee. It played a
notable role in financing the jute trade in collaboration with the Jute Board
so that crisis was eventually overcome. The timely opening of the bank
branches enabled the jute growers in East Pakistan to obtain a fair price
of their products and helped the country in maintaining its foreign
exchange earnings from raw jute. Later on, it established its office in West
Pakistan to help and finance the cotton crop.
The national bank of Pakistan took over the agency work of the State
Bank of Pakistan in 1952 for transacting Government business and
managing currency chests at places where the State Bank of Pakistan
does not has an office of its own. The National Bank of Pakistan in view of
its relationships with the Government and as agent of the State Bank of
Pakistan holds unique position among commercial banks in Pakistan. For
example, for years it had a monopoly in Government and Semi-
Government deposits. This is both a privilege and a responsibility. On the
one hand, the bank is given special support and assistance and on the
other, it is also expected to serve as an instrument for the promotion of
national objectives and policies. It also undertakes Government Treasury
operations. National Bank of Pakistan maintains its position as Pakistan’s
premier Bank determined to set higher standards of achievements. It is
the major business partner for the Government of Pakistan with the
special emphasis on fostering Pakistan’s economic growth through
aggressive and balanced lending policies, technologically oriented
products and services offered through its large network of 1406 branches
locally, 24 branches internationally and representative offices.

Main Branch (CIVIL LINE) Faisalabad
Incorporation Date
The Civil Line Branch was incorporated in 1949. It is the main branch of
Faisalabad District. National Bank Of Pakistan has 43 branches in
Faisalabad. All braches are located in different areas of the cities to serve
the nation. Because it is said that the NBP is the “nation’s Bank”
Geographical Location
The main branch of national Bank of Pakistan in Faisalabad is situated on

the Jail Road(Civil Line). It is the Central Area of the city, so the
geographical location of the NBP has made its operations so easy for the
public.
This is the only branch that has been owned by the bank. Also the office
of the chamber of commerce is situated on the 2nd floor of the main
branch of NBP. So that has also strengthen the relationship among the
industrialist of the city and played a great role in there success. Also they
have contributed n the progress of the NBP because Faisalabad is
considered as the city of Textile. The textile is playing a great role in the
economy of Pakistan.

Vision Statement
To be the pre-eminent financial institution in Pakistan and achieve market

recognition both in the quality and delivery of service as well as the range
of product offering

Mission Statement
To be recognized in the market place by Institutionalizing a merit &
performance culture, Creating a powerful & distinctive brand identity,
Achieving top-tier financial performance, and Adopting & living out our
core values.
Core Values
We aim to be an organization that is founded on…
• Growth through creation of sustainable relationships with our

customers.
• Prudence to guide our business conduct.
• A national presence with a history of contribution to our
communities.
We shall work to…
• Meet expectations through Market-based solutions and products.

• Reward entrepreneurial efforts.
• Create value for all stakeholders.
We aim to be people who…
• Care about relationships.

• Lead through the strength of our commitment and willingness to
excel.
• Practice integrity, honesty and hard work. We believe that these are
measures of true success.
We have confidence that tomorrow we will be…
• Leaders in our industry.

• An organization maintaining the trust of stakeholders.

• An innovative, creative and dynamic institution responding to the

changing needs of the internal and external environment
Operations AND Functions
The main operations and Functions that are performed by the NBP Are as
follows:
 Accepting the Deposits of money from the customer

 Borrowing money and arranging finance from other banks
 Advancing and lending moneyto its client’s and customers
 Financing of projects including technical assistance, projact apprisal
through long term short term loans
 Buying selling dealing and discounting of bills of exchange,
promisery notesdrafts bill of lading, and other instrumens of securities.
 Foreign exchanger business
 Financing of seasonal crops
 Receiving of bonds scrips valuable for safe custody
 Generating, Undertaking promoting etc of issueof shares. Bonds
 Undertaking and executing trusts
 Making investment in Other Companies
 Joing Venture with fireign dealers, agent and companies fpr its
representation abroad
 Utility Services
 Providing Hajj Services to intending persons
 Agent of SBP for collecting
 Payment of pension on behalf of provincial and central government
 Treasury business
 Gold Finances
 Through mail transfer, demand drafts, telegraphic transfers,
payment orders
 Locker services
 Establishing Letter of Credit for importers
 Negotiating the Letter of Credits (Exports)
 Collection based Export Document Selling
 Foreign Remittances through SWIFT (Society for Worldwide Inter-
bank Financial Telecommunications)

 Foreign Currency Accounts handling (US $, Pound Sterling,

Japanese Yen & Dutch Mark)
 SBP Export Refinance Scheme
 Remittances both inward and outward
Departments
Operation
The department that is most commonly used for general banking is called the
operation department. In the civil line branch it is being run effectively under the
supervision of “CHIEF OPERATION MANAGER”
The following are the some categories according to the type of work done by the
operation officers.
Remittances
The main functions of the remittances are as follows
Demand Draft
If you are looking for a safe, speedy and reliable way to transfer money,
you can now purchase NBP’s Demand Drafts at very reasonable rates.
Any person whether an account holder of the bank or not, can purchase a
Demand Draft from a bank branch.
It is a bill either on demand or otherwise by one bank on another in favour
of third party or by one branch of the same bank or by the head office on
the branch or otherwise.
The issuance of the DD

The amount both in words and figures is written and the applicant has to
sign on two places which will be helpful in case DD is to be cancelled.
The client has to deposit the cheque (Account holder) or cash at the
counter and will receive the receipt that will be paid to the officer who will
issue the DD in favour of the holder and the entry will be recorded in the
DD issued register.
Mail Transfer

Move your money safely and quickly using NBP Mail Transfer service.
And we also offer the most competitive rates in the market.
The money will be transferred to the other branch either locally or not
through mail.
If the customer is the account holder then his account will be debited, if
not then he will have to make the cash payment at the Cash counter and
the receipt will be presented to the MT issuer officer. The following forms
will be used for this purpose
1. Branch mil transfer form
2. Receiving Branch registered Copy
3. Issuing Branch Registered Copy
4. Debt Voucher
5. Beneficiary’s Advice
6. Advice to customer
Pay Order
NBP provides another reason to transfer your money using our facilities.
Our pay orders are a secure and easy way to move your money from one
place to another. And, as usual, our charges for this service are
extremely competitive.
It is mostly used locally and its procedure is same as the DD issued

procedure.
Telegraphic Transfer
It is the most efficient way t transfer the money from one place to another
on one phone call only. It is an application form provided to the customer
in which he has to specify the name of the payee, the place of the transfer
and the amount.
After filling of the voucher the client will make the payment and get the
stamp of Cash paid by the Cash Officer And then Authorized person will
make tests on the receipt. The tests are the secret codes that are not
understandable to any unauthorized person.
After making the call the tested messages will be delivered to the other
branch officer who will complete the transaction.

Cash Department
The deptartment that Deals with the payment and receipt of the Cash or
we can simply say that it is the deptt. that is involved in the cash
management . Being the main branch there are two types of cash
involved.
Local Cash
The cash that is involved in the same branch for payment of the dues or
for any requirement of the branch
Chest Cash
The payment and receipt of the cash from all other branches of the same
city.
Local Cash
The following books are maintained in the cash department of branch
 Receiving Cashier Books

 Paying
 Token Books
 Scroll Book
 Cash balance Book
When cash is received on the counter, it is entered in the scroll book in

the cashier book.
At the close of the day these books are balanced with each other. When
the cheque of negotiable instrument is presented at the counter for
payment, Token is used to the customer. After consulation the token and
the instrument is presented to the cashier for payment. The cashier
makes entry in the paying cashier book and payment is made to the

Payee. The Consolidated of the receipt and payment of cash in entered in

the cash balance book and drawn closing balance
Closing Balance = Cash + Receipt _Payments
Govt. Receipt And Payment
This department also comes under the operations of the branch. It deals
with the payment and collection of dues on behalf of the local, provincial
and federal govt.
The payment side involves the payment of all type of pensions and other
funds that are announced by the govt. or any tax returns by the CBR.
The collection of dues includes the collection of Sales Taxes, Income
Taxes, Property taxes and any other fee that is to be submitted in the
account of the Central Treasury. The collection of the Challan forms, fees
and the payment made to the Punjab Public Service Commission is also
included in this counter.
Collection Of Utility Bills
The counter for the collection of utilitity bills also play a great role in the
general banking setup. The NBP collects all type of bills on behalf of the
concerned organizations for a pre agreed fee.
Clearing
The department that is responsible for the clearing of the cheques that
are drawn on the other banks or the cheques that have been drawn on
the NBP.In the past it was a more complicated process, because SBP
was the custodian so it had to make the arrangements for the clearance
of cheques that have been drawn on the others. So a person representing
his or her bank had to go to SBP for the Clearance of these cheques
which was a time consuming method and it was taking at least 4 to 5 days
for the clearance.
Now the SBP has made the thing so easy for all the banks by making a
contract to a privatized insitution”NIFT”. Now all the clearing is being done
through the NIFT against a Fee that is Rs.2.5 for every cheque that has
get cleared.

Types of Cheques Collected by the Clearing

a)Transfer Cheques
The cheques that are collected and paid by the same branch of the bank
b)Transfer Delivery Cheques
The cheques that are collected and paid by two different branches of a
bank situated in the same city.
c)Clearing Cheques
When the endorsee (the person who deposit the cheque for collection)
and the the person on whom the cheque has been drawn are the account
holders of two different banks then these type of cheques can be get
cleared through the NIFT.

HUMAN RESOURCE DEPARTMENT

Being the main branch of the Faisalabad the Hr department has to play a
big role in the success ph the branch. The HR is considering great
importance now a days and should get also because the personnel are
the main asset of the NBP. Being the main branch the staff is also a key
factor. The primary objective of the Hr department is to get the jobs done
effectively, economically and with as little friction as possible. The
department is focusing mainly on the policies that are focused on the
personnel.
Most talented people are hired through proper recruitment process.

Discrimination of any kind is counter productive to performance.
The objectives/functions that has to be performed by the personnel are
clearly mentioned in the JOB DESCRIPTION.
The code of conduct provides s framework of NBP’s values and ethical
standards. The following principles must be applied for the governing the
code of conduct of the bank employees while on the job.
• All decisions and actions must be confirmed with all applicable laws,
regulations and corporate policies.
• Business must only be succored for NBP on the basis of the belief
in competitive market system and the appropriatness of earning a profit
by providing our customer with efficient services.
• Individual must be honest and trust worthy in all actions and
relationships for, and in behalf of the NBP.
• Each decision or act must be proper, in terms of both our own
sense of integrity and the scrutiny of others.
• Ethical conduct should be recognized and valued by all employees
and agents of the bank.
Formal appraisal is a year round activity and a formal appraisal report is
prepared at least once a year. The appraisal comments are based on
achievements against key job objectives. In NBP the good performance of
the employees is always acknowledged by giving them monetary
rewards. Excellence awards, merit increments, gifts, visiting tickets to
abrade and promotions.
Transfers are usually made on the promotions from one country to

another or from one branch to another or maybe from one department to
another.


COMPLIANCE DEPARTMENT
The department that deals with the Audit/Checking and inspection is known
as the Compliance deptt. The department is being run under the supervision
of the COMPLIANE OFFICER.
It is involved in the checking of all types of work that is being conducted in

the branch.
The inspection is carried out on daily, weekly and monthly basis depending
upon the nature of the work.
Generally it includes the following type of functions;
• Checking of all type of registers that are maintained by the officers of

remittances, and that are
o Demand Draft issued Register
o Telegraphic Transfer issued Register
o Main Transfer issued Register
o Pay Order issued Register
o Register of all type of Advices received against DD, MT, and TT
o Demand Draft received Register
o Telegraphic Transfer received Register
o Main Transfer received Register
o Pay Order received Register
• Inspection of the Dak/Mail register issued and received

• Inspection of all books that are maintained at the clearing
• Inspection of the Cash Book
• Inspection of the Scroll Book
• Inspection of the Cheque Book Issued Register
• Inspection of the all the payments made to pensioners
• Inspection of the all type of Receipts
• Inspection of the Cash issued to the branches
• Inspection of the utility bills collected
• Inspection of the receipts and the payments of the Govt. Counter
• Inspection of the all type of Deposits
• Inspection of the of the all type of loans
• Inspection of the Corporate Cell

CREDIT ADMINISTRATION DEPARTMENT

The most important department of the NBP main branch. The credit
department of a bank is the most profit generating department of any
bank. The department is being run effective under the supervision of CAD
Officer. The department is involved in all the process of Booking the loan,
documentation, Risk Analysis, Sanctioning /Approval Documentation,
Sanction Advice, Securitization, Disbursement, Monitoring, Collection,
Recovery.
The financing process starts with
Loan Booking
• Introduction
• Funds requirement
• Nature of Utilization
• Nature of Business
• Financial position
• Character
• Security
Documentation (Pre-Sanction)
• Information about business
• Persoanl data
• Security Valuation
• Security Documents
• Encumbrance
• BLA Report (Bench Legal Advisor)
• Loan History (CIB Report)
• Loan Application Form
Analysis
• Financial Analysis
• Sector Analysis
• Product Analysis
• Political Factors
• Industry Analysis

• SBP Prudential Regulations
Securitization
The complete process is made for the security that is being used for
the approval of loan. The securities may be of the following types:
• Personal Guarantee
• Personal Guarantee + Hypothecation
• Pledge
• Mortgage
• Charge/Lien on the Current Asset
Approval Document
Then an approval document is received from the appropriate/competent authority.
Sanction Advice
Then the terms and conditions are advised with the approval document.
Disbursement of Loan
Then the loan is disbursed to the party after the completion of all the above stated
requirements.
Monitoring
The monitoring involves all the steps that will be taken for the maintenance of the
advances of the customers. The officers will determine that either the person is
paying the installments or not. In case of short tern loans the time period will
short and the customer should be in a position to payback the loan.
Collection
This sub head is involved in the collection of all the payments and advance if the
time period is finished.
Recovery

In case of default by the customer, the recovery process will be on. During
recovery all legal actions will be taken against the customers regarding payment
of the loans.
Foreign Exchange
Foreign Exchange means expression of value of local currency when
exchanged in terms of currencies of other nations. The Foreign Exchange
Department of NBP is the most competent department and is contributing
a lot in the overall performance of the Branch.
The main operations of the Foreign Exchange department are

• Imports
• Exports
• Remittances
• Foreign Exchage Account handling
IMPORTS
The import deals primarily with the letter of Credit, Contract and the
Advance payment.
An Lc is a familiar instrument in setting trade between buyer and seller
located in different countries for the purchase and sale of goods. It is
usually a guarantee by the bank for the payment of the goods delivered
by the exporter to the importer.
Important documents for the Import are

• Bill of Exchange
• Commercial Invoice
• Transportation Documents e.g Air way bill or bill of lading
• Insurance documents for the goods
• Packing List
• Pre-shipment inspection certificate
• Form I
In contract the most popular is CAD (Cash against Documents). That is

the payment will be made at the collection of the documents that were
involved in the negotiation process.

The third way is the advance payment that will be made to the exporter
either full or partial depending upon the nature of the transaction.
Exports
Export is mainly involed with the collection of the documents or the

discounting of the LC. In the negotiation process Export Bill negotiation
A/c will be debited.
Documents Required for the negotiation:

• Form-E
• Transportation Documents e.g Air way bill or bill of lading
• Packing List
• Letter of Credit
Documents to be Forwarded
• Transpotation Documents e.g Air way bill or bill of lading
• Packing List
• Other specific Documents
Documents Remained in hand

• Form-E
• Copy of Commercial Invoice
• Copy of Packing List
• Letter of Credit
At the month end the reporting will be made to the SBP for Form-E
REMITTANCES
The process of receiving the payment from the other countries and paying
to the people in Pak Rupees is called the remittances.
The payment is received through “SWIFT” and the popular ways used for
the remittances are:

• Telegraphic Transfer
• Mail Transfer
• Demand Draft
Foreign Exchage Account handling

The accounts are also handled for the
customer in foreign currencies.

PRODUCTS
NBP Premium Aamdani (Monthly Income Scheme)
Eligibility Criteria:
 Minimum deposit of Rs. 50,000 and a maximum deposit of Rs.

5,000,000 for 5 years
 Free Demand Draft, Pay Order and NBP Online Aasan Banking*
 Free Cheque Book / NBP Cash Card (ATM + Debit)
 Profit paid every month as follows
Period** Profit Rates***

1 year 7.50%
2 year 8.50%
3 year 9.50%
4 year 10.50%
5 year 11.00%
Earn up to 11% p.a.†
Profit rates are expected
*Certain conditions apply
Premature encashment will result in lower rates of return
Expected rates are for the given year
NBP Premium Saver(PLS Saving Account)

 Minimum saving balance of Rs. 20,001 and a maximum balance of

Rs. 300,000
 Free NBP Cash Card (ATM + Debit)
 Two debit withdrawals allowed in a month and no limit on number of
deposit transactions
 Profit calculated monthly and paid on half yearly basis
 Earn up to 7.25% p.a.

 Profit rates are expected
Certain conditions apply

NBP Karobar (Another step towards your prosperity)

NBP Rozgar Scheme:
If you are aged between 18 and 40 years, you could be eligible for easy
financing for self employment in the categories below
Karobar Details:
Government of Pakistan (GOP) support:

1) Life and disability insurance paid by GOP with no medical
examination required.
2) 6% mark-up paid by customer, rest paid by GOP.
* Subject to availability of subsidy/confirmation from GOP.

Note: The mark-up rate will be revised on annual basis.
Financing Terms & Conditions:

Minimum Down Payment:
10% of asset price (5 % for PCO and Tele center)
Mark-up Rate Variable:
1 year KIBOR + 2% (For the first year mark-up will be 12%) The customer
will pay markup @ 6%p.a as long as GOP provides the balance markup
to NBP on a monthly basis)
 1 to 5 Years (for PCO 2 years)

 Initial 3 months
 Rs. 200,000/-
NBP Karobar Utility Store

(Under a Franchise with Utility Store Corporation)
Financing will be provided to set-up a Utility Store under franchise of
Utility Store Corporation through
 Set up of a Utility Store in an owned/ rented shop

 A “Mobile” Utility Store: 4 stroke Petrol/ CNG/ LPG Vehicle
(Rickshaw) with attached loader body/ (Thehla type or Store)
Eligibility Criteria
 Must be Pakistani national bearing a Computerized NIC

 Age between 18 to 45 years
 Must be residing in the same city / district for the last 2 years
 Must have a franchise from Utility Stores Corporation of Pakistan
 Must have a valid rickshaw driving license (for mobile utility store)
 Availability of 2 references & 1 guarantor (USC shop setup
 No default or rescheduling history of the applicant

 References and guarantor must be residing in the same city / district

where the applicant is residing
Security
 In case of Utility Store shop set ups:

 Hypothecation charge over the present and future assets in store
(except stock)
 One guarantor, having minimum net income of Rs. 10,000/-p.m.
(subject to NBP verification) or must be property owners
 Personal guarantee of the applicant
 4 cross Cheques
In case of Mobile Utility Stores:
 A lien would be marked under hire purchase/hypo agreement on the

vehicle
 4 cross Cheques
NBP Karobar Mobile General Store
Financing will be provided to purchase 4 stroke Petrol/CNG/LPG Vehicle

(Rickshaw) with attached loader body (Thehla type) to set up Mobile
General Store without USC Franchise.

 Must have a franchise from Utility Stores Corporation of Pakistan
 Must have a valid rickshaw driving license (for mobile utility store)
 Availability of 2 references & 1 guarantor (USC shop setup

Security
In case of Utility Store shop set ups:
 Hypothecation charge over the present and future assets in store

(except stock)
 One guarantor, having minimum net income of Rs. 10,000/-p.m.
(subject to NBP verification) or must be property owners
 4 cross Cheques
In case of Mobile Utility Stores:

vehicle
 4 cross Cheques
NBP Karobar Mobile General Store

 Must be a Pakistani national bearing Computerized NIC

 Must be residing in the same city/ district for the last 2 years
 Availability of 2 references
 References must be residing in the same city / district where the
applicant is residing
Security:

vehicle
 Cross Cheques

NBP Karobar Transport

Financing will be provided to purchase a 4 stroke Petrol/CNG/LPG
Vehicle (Rickshaw)
 Must be a Pakistani national bearing Computerized NIC

 Availability of 2 references having landline telephone numbers
Security:


vehicle
 4 cross Cheques
Women and Poverty:
Women of today is not the women of yesterday she is more

knowledgeable more confident, and more dynamic. To salute the women
of Pakistan, NBP introduces loan products for the women of Pakistan to
bring them out from the hardships of poverty, through the following self-
employed schemes of NBP Karobar
NBP Karobar PCO

Finance will be provided to purchase Wireless/ Mobile/Desktop telephone
set(s) with prepaid connection and credit balance(s) to establish a PCO
setup

 Availability of 2 references & 1 guarantor numbers

Security
 Hypothecation charge over the present and future assets of the

business
 One guarantor, having minimum net income of Rs. 10,000/- p.m.
each (Subject to NBP verification) or must be a property owner for single
telephone set minimum income requirement for guarantor is Rs. 5,000/-
per month and for multiple sets Rs. 10, 000/- per month
 4 cross Cheques
NBP Karobar Tele-centre

Finance will be provided to purchase Wireless/ Mobile/Desktop telephone
set(s) with connection, computer(s) and printer cum fax machine cum
photocopier cum scanner etc to establish a Tele-centre on a rested shop
or owned premises

 Availability of 2 references & 1 guarantor
numbers


Security
 Hypothecation charge over present and future assets of the

business
 One guarantor, having minimum net income of Rs. 10,000/- p.m.
(Subject to NBP verification) or must be a property owner
 4 cross Cheques
Repayment
 No payment during grace period

 Monthly installment comprises of principal, mark-up and insurance
payments
 The customer, at any point of time, may exercise the right to fully
adjust the account before maturity or to partially pay the loan through
balloon payment without any penalty.
Documents to be submitted with the Loan Application
 Application form (available for Rs.5/- from all NBP branches)

 List of items available in the scheme
 Three attested Computerized NIC copies of the applicant and
guarantors each
 Two photographs of applicant and guarantors each (if applicable)
 Franchise acceptance letter from Utility Stores Corporation (where
applicable)
 Estimated cost of advance rent, security deposit and assets, to be
purchased along with quotation (where applicable)
 Attested salary slip of guarantor (where applicable)
 NTN or latest Tax Return if available of guarantor (if a business
person)
 Proof of property ownership of the guarantors (where applicable)
Processing, Verification & Registration Charges (if applicable)

Verification Charges Rs. 500 (non refundable)

Rs. 300 for NBP Karobar PCO (non
refundable)
Processing Charges % of the loan amount
(for loan amount upto Rs.30,000/-)
(non refundable)
Rs. 1,000/- (for loan amount
above Rs.30,000/- - non refundable)
Note: All charges submitted with
application are non refundable at
any stage.
Document Charges At actual
Vehicle Registration At actual (To be borne by the
borrower)
Insurances Property/ Assets insurance to be
borne by the borrower
Life & Disability insurance to be
borne by GOP.
Government of Pakistan (GOP) support:

1. Life & Disability insurance paid by GOP requires no medical examination.
2. 6% mark-up to be paid by the customer and rest by GOP
*Subject to availability of subsidy / confirmation from GOP
Note: The mark-up rate will be revised on annuallyNote: Applicants for all products must
provide their landline/ WLL telephone numbers or provide the landline/WLL telephone
numbers of their relatives, friends, neighbours etc,. However, telephone numbers must be of
the same city/ district where the applicant is residing.
NBP Saibaan
Under the scheme of NBP Saibaan following types of products to the
customers. His scheme is launched especially for the people those who
want to have loan for the construction, renovation or purchase of land.
Product Items:
 Home Finance
 Home Construction
 Balance Transfer Facility (BTF)
 Home Renovation
 Purchase of Land + Construction

Home Purchase (House or Apartment)

 Financing Amount Up to 35 Million
 Financing Period 3 to 20 Years
 Debt to Equity 85:15 (Maximum)
Home Construction
Home Renovation

Purchase of Land and for Construction thereon

Re-Financing (Balance Transfer Facility (BTF))
If you have a Home Finance Facility outstanding with another bank you can have
it transferred to NBP through a hassle-free process.
All home financing facilities below Rs. 15 M Debt to Equity Ratio will be 85:15
& for Rs. 15 M and above Debt to Equity Ratio will be 80:20.
*50% of the loan will be disbursed at the time of land purchase and rest of the
50% for its construction will be disbursed in 4 tranches.
Eligibility
 Must be Pakistani Resident (National)

 Aged between 21 and 65 years at the time of application/disbursement of
loan.
 Salaried Person, Self-employed professionals and businessmen.
 Property located in NBP approved localities.

 Service duration: Two years for salaried class Three years for self-
employed/business class.
Charges
Mark Up Rates **
Variable Rate Option: SBP Discount Rate with (+2%) with12 months re-
pricing
Processing Fee
Government Employees:
Rs. 500/- irrespective of financing amount.

For Others :
 Financing below Rs. 1 Million Rs. 1000

 Financing between Rs. 1 to 4 Million Rs. 3000
 Financing above Rs. 4 Million Rs. 6000
Other Charges **
Income Estimation, Legal and valuation fee will be charged as per actual
Prepayment Option Available
Pre-payment (Complete/Partial option available).
Required Documents
 Two attested passport size photographs

 Two attested copies of your National Identity Card
 Cheque for the processing charges
 Property Documents:
 Any title document available (other documents may be required)
AND

1) FOR SALARIED PERSONS, WHOSE SALARIES ARE DISBURSED

THROUGH NBP BRANCH
 Employer Undertaking for remittance of salary at relevant NBP

branch for credit to customer’s account (to be provided at a later stage,
format available at relevant branch)
 Employee ID Copy attested by NBP Branch (where applicable
 Attested copies of last three (3) months salary slips
 Attested copies of last three (3) months bank statements
2) FOR SALARIED PERSONS OF MNCs AND NBP APPROVED

COMPANIES
 Employer Undertaking duly attested by relevant NBP Branch, where

applicable (to be provided at a later stage, format available at relevant
branch)
 Attested copies of last three (3) months Salary Slips
 Letter of Verification of Employment on Company Letterhead
mentioning the date of joining
 Attested copies of last three (3) months bank statements
3) FOR OTHER SALARIED PERSONS
 Letter of Verification of Employment on Company Letterhead

mentioning the date of joining
 Attested copies of last three (3) months Salary Slips
 Attested copies of last twelve (12) months bank statements
 Attested copies of last three (3) months paid bills for electricity and
telephone OR copies of last (12) twelve months credit card bills (which
ever is available)
4) FOR BUSINESS PERSONS
 Bank Certificate stating applicant maintaining Business Account and

the date of account opening
 Attested copy of latest Form 29 in case of Private or Public Limited
Company
 Attested copy of Partnership Deed (where applicable)
5) FOR SELF-EMLPLOYED PERSONS

 Attested copy of current professional association

membership/practicing certificate.
 Adequate proof of professional engagement like bank certificates
 Attested copy of Partnership Deed (where applicable)
Any other document may be required on case to case basis by the bank
NBP Advance Salary

Take upto 20 advance salaries(currently for NBP account holders of
govt. or related organization employees).
In January-2003, National Bank of Pakistan has launched a unique

product, ‘NBP-Advance Salary’. Currently this product is for fixed-income
permanent employees of Federal & Provincial Government, Semi-
Government, Autonomous, Semi-autonomous, local bodies and other
Government organizations. The product is purely cash flow based and
offers its holder to avail 20 (twenty) net salaries in one go to be repaid in
up to 60 (sixty) months. With no collateral, insurance or requirements,
Advance Salary provides rapid disbursement in a short turnaround time.

Terms and Conditions:
Eligibility Permanent Employees of Govt., Semi-Govt.,

Autonomous, Semi Autonomous, Local &
other bodies who are maintaining their Salary
A/Cs at NBP.
Repayment Direct deduction from Salary A/C
Maximum Loan Rs. 490,000/-
Amount
Security Employer will provide undertaking that
borrower’s Salary and end of service benefits
will route through his/her Salary A/C
maintained at NBP during the tenure of the
loan and his/her end of service benefits are at

least equal to the amount of Advance Salary

required.
Hypothecation of Consumer durables owned

by the borrower.
Three (3) Undated Cheques
Max. Repayment 5 years (60 months)

Period
Advance in terms of # Up to 20 net take home salaries
of net take home
salaries
Markup Rate 15 % *
(Based on diminishing balance method)
Processing Fee 1% of Loan Amount
Verification Charges Rs 500/-
Life Insurance No Insurance of any kind.
Documentation at actual
Charges
Contact Your Salary disbursing NBP Branch.
Remaining Service Age At the time of approval and disbursement the
applicant’s remaining service age should be 6
months after maturity of the loan
Debt Burden 50%
Minimum net take no minimum take home requirement
home salary
NBP Cash Card
To identify a merchant outlet that welcomes your card, just look for the
NBP or Orix Logo. To make a payment give your NBP Cash Card to the
merchant. The merchant will swipe your card on the POS (Point Of Sale)
machine and the purchase amount will be entered. Enter your digital ATM
Pin for verification (this is the same as your cash withdrawal pin). After
Approval a transaction slip will be provided. Collect your card and slip and
confirm you transaction amount. Your purchase transaction is now
complete and the transaction amount has been debited to your NBP
account. Please retain your transaction for further reference.

NBP Cash Card Safety Tips

Welcome to our relationship enriched with a wide range of remarkable e-
banking service. For your safety and convenience we would recommend
some precautions while using NBP CASH CARD at ATMs and merchant
outlets.
 Immediately after receiving the NBP Cash Card, change your PIN
Code at the nearest NBP ATM.
 Never share your Personal Identification Number (PIN) or given it
out over telephone.
 Never write your PIN Code on your card.
 Never keep your card and PIN at the same place.
 As you approach an ATM, beware of your surroundings, if you
notice anything unusual, visit the ATM later.
 Immediately report a lost of stolen card to your NBP branch.
 Stand close to the ATM machine while entering your PIN and do not
allow anyone to watch.
 Ensure that the merchant has entered the correct amount of
transaction before you enter your PIN code.
 Maintain your POS receipt as a record and ensure that he card
returned to you by the cashier/attendant is yours.
 Protect your card from direct sunlight and magnetic fields.
 Do not bend your card.
 Carefully dispose off your old card when your are issued a new one.
NBP Investor Advantage

NBP launches Margin Financing for Retail Investors with brand
name of NBP Investor Advantage:
A margin financing facility developed for retail investors in line with

Government’s efforts to promote Pakistani capital markets and will
replace the Badla (COT) system with a stable financing system in line
with international financial markets. Besides offering a comfortable
environment to the retail stock investors, a financing facility will also be
available. Willing investors can avail NBP financing at very easy terms
requiring minimum documentation and least turn around time. The NBP
financing also does not require any security from the customer except for

the customer’s equity. Importantly, the customer’s equity will also be

freely available for investment. Customer has to fulfill all NBP and SBP
regulatory requirements.
To obtain NBP Investor Advantage facility
Eligible if:
 A Pakistani Nationals with valid computerized national ID Card

 Over 21 years of age
 Have an account with NBP designated branch
 Willing to invest equity in the form of cash or NBP approved shares
 No default with any financial institution
For utilizing the NBP Investor Advantage, please follow the following
simple steps:
1. Obtain Facility Application form from the NBP Margin

Financing Desk at NBP Main Branch, Karachi, I.I. Chundrigar Road,
Karachi (other branches are being added through out Pakistan)
2. Fill in the application form and submit it to the branch at the
Margin Financing Desk
3. On application approval, customer deposits equity as Cash in
the customer’s margin financing account at the bank. Alternately NBP
approved Shares can also be deposited in the NBP CDC account
4. Customer would then be eligible for trading through trading
center of the NBP Subsidiary namely Taurus Securities Limited adjacent
to the NBP Main Branch at I.I. Chundrigar Road, Karachi
5. Customer’s own equity and financing amount will both the
available for trading
List of Shares Eligible for NBP Investor Advantage

S.No. No Name of Shares/ Scrips
1 D.G Khan Cement Company Limited
2 Engro Chemical Pakistan
3 Fauji Fertilizer Co.
4 Hub Power Company Limited
5 PICIC Growth Fund
6 Kat Addu Power Company

7 Nishat Mills Limited

8 Oil & Gas Development Co. Ltd
9 Pakistan OILFIELD LTD.
10 Pakistan Petroleum Limited
11 Pakistan State Oil
12 PTCL
13 Sui Northern Gas Pipe Lines Limited
14 Sui Southern Gas Company Limited
NBP Cash n Gold Card

With NBP's Cash n Gold, you can meet your need for ready cash against
your idle gold jewelry.
 Rate of mark-up 12% p.a.

 Facility of Rs. 7,000 against each 10 gms of net contents of gold
 No maximum limits of cash
 Repayment after one year
 Roll over facility
 Only gold ornaments acceptable
 Weight and quality of gold to be determined by NBP's appointed
scruffs
 No penalty for early repayment
NBP Kisan Taqat- General Information
If you are a progressive milk supplier of Nestle Milk Pack

By financial aid of National Bank of Pakistan, you can increase the
production of milk efficiently.

Benefits of National Bank of Pakistan’s Loan:
Branches, closest to you

Easy and shortened documented procedure
Relaxation from paying installments
Guidance and help of experienced people
Government bank with more than 50 years of age
NBP Kisan Dost

National bank of Pakistan has started for Farmers an Agriculture loan
system names “Kisan Dost” whose basic objective is this that a farmer
can acquire a loan with full trust and without any bribery and reference
according to his requirements. He should have access to approved loan
when he needs it and whenever he wants it he may withdraw money in
future from his account as per his requirement, approved on revolving
basis during three years without any paper documents. So, now every
farmer can very easily increase his production with easy access to loan.
Features:
 Lowest mark up on loans, i.e. 12% per annum

 Fast and easy procedure for loan approvals
 Availability of loans on time and when needed, on the door of farmer
 On every step, guidance of farmers through agriculture experts
 For the acquirement of loans, a wide range of agriculture loans
(schemes)
 Facility of agriculture loan at agricultural pass book, jewelry and
paper securities
 Providence of loan up to 0.1 million on personal guarantee to non-
owner farmers

 Facility of revolving basis of loans for three years for which new
documents requirement is not required
SWOT Analysis
A SWOT analysis is an effective tool, which can be used to examine the
issue that will directly affect the success of alternative delivery
mechanism. The emerging banking environment is becoming more
competitive with the advancement of new technology. The banks are
striving to provide their customers with prominent and efficient services at
lower cost in order to get the competitive advantage upon other banks.
During the internship program a SWOT analysis was also conducted
which is as follow:
Strengths
1. Deposit security that is guaranteed by Government of Pakistan

2. Largest contribution toward Government & semi-Government
requirements
3. Agent to the SBP for handling Treasury/ Currency Chest Functions
4. Collaboration with Federal/ Provincial Government organizations for
receipts of taxes & other revenues
5. Largest network of domestic & overseas branches
6. More secured jobs of employees as compared to other commercial
banks (Job Security)

7. Sale & Purchase of prize bonds, NIT units, National Defense Saving
Certificates (NDSCs) and other government securities.
8. Heavy project financing, Agriculture, Industrial as well as small
loans
9. Key role in country’s economic development
10. Easy and shortened documented procedure
11. Guidance and help of experienced people
Weaknesses
 Under utilization of the new technology equipment & procedures of

banking
 More formal organizational setup
 Bureaucratic style prevails in the National Bank of Pakistan
 Lack of highly skilled, trained and professional personnel
 Fixed deposit rates not compatible with the competitors
 Foreign currency accounts governing rules more restricted & not
customer oriented
 Bank staff not highly cooperative among themselves as well as with
the customers
 Overall employees’ poor attitude towards work
Opportunities
 The ability to obtain a larger customer base

 Global expansion. This is an enormous market, which will be a great
opportunity in the future
 The ability to take advantage of the growing popularity of internet
banking
 Providing Information Technology loans to the students and
educational institutions in order to foster the Computer and Management
studies
 Providing the personalized services to the customers
 Offering high deposit rates and cutting down the high lending rates
 Financing the educational institutions and general public welfare
projects in order to create a good image in general public

Threats
 Continual changing technology

 Uncertainty of the banking industry
 Competition from “lower price” operations
 Possible failure of product due to non-acceptance of customer
 General competitiveness of the banking industry
Deposit Policies of NBP

As well as deposit is concerned the deposits are the life blood of the bank
because the borrowed capital is much greater than their own capital. The
difference between the borrowed money interest and the lending rate of
interest will be the profit margin of the bank because the lending rate is
higher than the borrowing rate. Following are the major deposits of the
bank:
Current Account
Current accounts are opened for meeting the current needs of the
customer. On such account there is no markup paid to the
accountholders. These are also called non-interest bearing accounts.
Minimum balance requirement is Rs. 5,000 if balance of the account will
be less than 5,000 than Rs. 50 to be deducted each month. Pension,
Government employees, students, widow are exempted from this
restriction. No Zakat will be deducted from the current Account holder.
2% tax will be deducted if the customer withdraw more than 25000 in a
day
.
Requirements for the Current account

 CNIC of the customer

 CNIC of the next of Kin
 CNIC of the Introducer
 Two photographs for the illiterate person.
 Specimen of the signatures of the educated person
 The introducer must be an existing current account holder.
PLS Saving Account
The customers in this account deposit a lot of amount. On such amount

there is markup paid to account holders. Minimum balance requirement is
Rs. 5,000 if balance of the account will be less than 5,000 than Rs. 50 to
be deducted each month. Pension, Government employees, students,
widow are exempted from this restriction. Zakat will be deducted from the
Account holder.
2% tax will be deducted if the customer withdraw more than 25000 in a
day.
Requirements for the Saving account
 CNIC of the customer

 CNIC of the next of Kin
 CNIC of the Introducer
 Two photographs for the illiterate person.
 Specimen of the signatures of the educated person
 The introducer must be an existing account holder.
Mark Up Rate is 1.2% per annum for 100 Rupees.
PLS Term Deposit
These type of deposits are offered for a term or a specific time period.
The minimum deposit should be for the 7 days at least. If the customer
will want to withdraw from the term deposit then the saving rate will be
applied on the amount.
Requirements


 The introducer must be an existing account holder.
Following Rates will be applicable depending upon the time period

involved.
• For 7 days 1.2% per annum
• For 30 days 1.5% per annum
• For 3 Months 1.27% per annum
• For 6 Months 1.8% per annum
• For 1 Years 2% per annum
• For 2 Years 2.3% per annum
• For 3 Years 2.7% per annum
• For 4 Years 3% per annum
• For 5 Years and above 3.25% per annum
PLS Saver
The newly introduced scheme by the NBP is PLS Saver which is effective
from the 1.1.2007.
The customers in this account deposit a lot of amount. On such amount
there is markup paid to account holders. Minimum balance requirement is
Rs. 20,000 and the maximum limit is 300,000. if balance of the account
will be less than 5,000 than Rs. 50 to be deducted each month. Pension,
Government employees, students, widow are exempted from this
restriction. Zakat will be deducted from the Account holder.2% tax will be
deducted if the customer withdraw more than 25000 in a day.
Requirements for the Saver account



 The introducer must be an existing account holder.
The mark up rate is 7.25% annually.
NBP Premium Aamdani

Under this deposit policy now the customer can earn monthly basis
returns on his amount. Minimum deposit of Rs. 50,000 and a maximum
deposit of Rs. 5,000,000 for 5 years. Free Demand Draft, Pay Order and
NBP Online Aasan Banking. Free Cheque Book / NBP Cash Card (ATM +
Debit). Profit paid every month as follows
Period Profit Rates

1 year 7.50%
2 year 8.50%
3 year 9.50%
4 year 10.50%
5 year 11.00%
Profit rates are expected
Certain conditions apply

Lending Policies of NBP

Basically lending policies are governed by SBP lending policies, however,
NBP has some discountary powers in respect of lending policies. The
advances made by the NBP has increased so much and are involved in
creating a great amount of return for the bank. Deposits and the
Advances are the two important functions of any bank. NBP takes
deposits from the customers and lend them to the others for earning a
profit. The difference between the deposit rate and the lending rate will be
the benefit of the bank. Civil line branch of NBP is playing the most
important role in this category because it has a separate department to
deal with the peoples those who want to have money. Civil line branch is
dealing with the Corporate sector as well.
Working Capital and Short Term Loans:
NBP specializes in providing Project Finance – Export Refinance to

exporters – Pre-shipment and Post-shipment financing to exporters –
Running finance – Cash Finance – Small Finance – Discounting & Bills

Purchased – Export Bills Purchased / Pre-shipment / Post Shipment

Agricultural Production Loans
Medium term loans and Capital Expenditure Financing:
NBP provides financing for its clients’ capital expenditure and other long-
term investment needs. By sharing the risk associated with such long-
term investments, NBP expedites clients’ attempt to upgrade and expand
their operation thereby making possible the fulfillment of our clients’
vision. This type of long term financing proves the bank’s belief in its
client's capabilities, and its commitment to the country.
Loan Structuring and Syndication:
National Bank’s leadership in loan syndicating stems from ability to forge

strong relationships not only with borrowers but also with bank investors.
Because we understand our syndicate partners’ asset criteria, we help
borrowers meet substantial financing needs by enabling them to reach the
banks most interested in lending to their particular industry, geographic
location and structure through syndicated debt offerings. Our syndication
capabilities are complemented by our own capital strength and by
industry teams, who bring specialized knowledge to the structure of a
transaction.
Cash Management Services:
With National Bank’s Cash Management Services (in process of being set
up), the customer’s sales collection will be channeled through vast
network of NBP branched spread across the country. This will enable the
customer to manage their company’s total financial position right from
your desktop computer. They will also be able to take advantage of our
outstanding range of payment, ejection, liquidity and investment services.
In fact, with NBP, you’ll be provided everything, which takes to manage
your cash flow more accurately.
Generally Leading Policies Include:
Clean Credit Report

Compliance with maximum exposure by the bank
Compliance with maximum exposure that can be allowed to a single party
Funded = 4 times of equity of the firm

Non-Funded = 10 times of equity of the firm
Lending Policies made by the NBP have categorized the loans in the
following types according to the requirements of the customers.
TYPES OF ADVANCES
1. Security Vice
 Clean Advances
In these types of advances only the personal
guarantee of the borrower is involved. The best example is the Credit
Card.
Secured Loans
The loans the sectioned of those are associated with
the security. The securities may be of the following types:
• Personal Guarantee
• Personal Guarantee + Hypothecation
• Pledge
• Mortgage
• Charge/Lien on the Current Asset
2. Period Vice
The loans that are designed according to the time periods needs.
• Short Term Loans (For 1 year only)
• Long Term Loans (For 5 years)
3. Utilization Vice
The advances that are typically designed according to the
utilization requirements of the loans.
• Working Capital Requirement
• Project Finance
4. Customer Vice
According to the customer
• Consumer finance
• SME lending
• Corporate Financing
5. Sector Vice

The advances that are according to the sectors, such as

• Agriculture
• Textile
• Chemical sector
All the types of advances comes under the following Credit Heads
1. Small Finance
2. Cash Finance
3. Running Finance
4. Demand finance
5. Agriculture Finance
6. Corporate Loans
Small Finance
As the name indicates, this head involves small amount that will
be financed by the bank. The loan is for the business people only. The loan will
be issued against any tangible security of the businessman. These small loans are
sanctioned for short period of times i.e for 1 year only. After one year the
customer will have to pay back the amount or will renew his loan.
The loan amount will be 60% of the amount of the property that is being pledged.
The mark-up Rate Is fixed 12% annually.
Under Small Finance following types are included.
• Gold Finance
• Commercial finance
• Industrial Finance
Gold Finance
If the customer has the gold then he can use it for the generation of
the money. 60% of the gold amount will be financed by the NBP after evaluation
from the jewelers those are under that contract of NBP. It is a short tern loan and
must be paid or renewed after 1 year.
Following documents will be required
• CNIC
• Complete information of Business
• CIB Report
• Application Form

• Security Evaluation from authorized Jewelers

• BLA Report
• IB 6A (Gold Agreement)
• IB12 (Promissory Note)
• IB 26 (Pledge of security)
Any other document as per the requirement of the NBP.
Commercial & Industrial Finance
For the small businessmen those are doing business at commercial level mainly
for sole proprietorship. The upper limit that will be sanctioned under this finance
is Rs. 250,000. For small industrialists this facility is also available. In this case
the upper limit will be 500,000.
Mark-up will be 12% and the loan is for 1 year.

• CNIC
• CIB Report
• BLA Report
• IB 6R (Finance Agreement duly signed by the Bank and customer)
• IB 25 (Hypothecation of stock)
• HOX7 (Mark-up Rate Agreement)
Running Finance
This financing facility is also for short period of times, i.e for 1 year only. After 1
year it must be renewed or cleared. It is mostly issued against some type of liquid
assets, such as Defense Saving Certificates (DSC) or term deposits. These loans
are typically taken for the working capital requirements. While sanctioning the
loan the bank will create lien on the DSC or term deposit from the Issuing bank.
There is no limit for the loan.
75% of the DSC or Term Deposit will be given to the customer.

Mark-up Rate will be fixed 12% per annum.

• CNIC
• CIB Report
• BLA Report
• IB 28 & 31 (For liquid assets)
Demand Finance
Demand finance is provided to the customer on demand by him. In NBP it is

mostly issued to the Staff. The others can also take this facility. There is no upper
limit for the loan amount. The loan is issued against some type of property that
will be pledged by the bank. In this type of loan the borowwer will take the
whole amount at once.
The loan can be sanctioned for 1 year or for 5 years.
Markup for the Staff is 4%.
Markup for the others is Kiber +2.3%
Following documents will be required for Staff

• CNIC
• IB 6C (Finance Agreement with staff)
• IB 25 (Hypothecation)
Following documents will be required for others

• CNIC


• CIB Report
• BLA Report
• IB 25(Hypothecation)
Cash Finance
The limit of this type of cash is above 500,000. It is both for long run and short
run.
This type of loan is mostly sectioned to big industrials and businessmen.
The main advantage of this type of advance is that the customer can have loan up
to his requirement within the limit that has been sectioned to him. The mark up
will be charged on the amount that has been used by the customer not on the
whole, which is the case in Demand Finance.
Mark Up Rate is KIBER+2.3% Per annum.
Documents Requirement
• CIB Report
• BLA Report
• IB 25 (Hypothecation of Stock)

Agriculture Finance
NBP provides Agricultural Finance to solidify faith, commitment and pride

of farmers who produce some of the best agricultural products in the
World.
Agricultural Finance Services:
“I Feed the World” program, a new product, is introduced by NBP with

the aim to help farmers maximize the per acre production with minimum of
required input. Select farms will be made role models for other farms and
farmers to follow, thus helping farmers across Pakistan to increase
production.
Agricultural Credit:
The agricultural financing strategy of NBP is aimed at three main

objectives:-
• Providing reliable infrastructure for agricultural customers

• Help farmers utilize funds efficiently to further develop and achieve
better production
• Provide farmers an integrated package of credit with supplies of
essential inputs, technical knowledge, and supervision of farming.
Agricultural Credit (Medium Term):
• Production and development

• Watercourse improvement
• Wells
• Farm power
• Development loans for tea plantation
• Fencing
• Solar energy
• Equipment for sprinklers
Farm Credit:

NBP also provides the following subsidized with ranges of 3 months to 1

year on a renewal basis.
• Operating loans
• Land improvement loans
• Equipment loans for purchase of tractors, farm implements or any
other equipment
• Livestock loans for the purchase, care, and feeding of livestock
Production Loans:
Production loans are meant for basic inputs of the farm and are short
term in nature. Seeds, fertilizers, sprayers, etc are all covered under this
scheme.
The mark up Rate is Fixed 12% annually.

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National Bank of Pakistan Civil Line Branch

Department of Business Management Sciences

Department of Business Management Sciences

Department of Business Management Sciences

Main Branch (CIVIL LINE) Faisalabad

The main branch of national Bank of Pakistan in Faisalabad is situated on

Department of Business Management Sciences

To be the pre-eminent financial institution in Pakistan and achieve market

Department of Business Management Sciences

• Growth through creation of sustainable relationships with our

We shall work to…

• Meet expectations through Market-based solutions and products.

We aim to be people who…

• Care about relationships.

We have confidence that tomorrow we will be…

• Leaders in our industry.

Department of Business Management Sciences

• An innovative, creative and dynamic institution responding to the

Operations AND Functions

 Accepting the Deposits of money from the customer

Department of Business Management Sciences

 Foreign Currency Accounts handling (US $, Pound Sterling,

The main functions of the remittances are as follows

The issuance of the DD

Department of Business Management Sciences

It is mostly used locally and its procedure is same as the DD issued

Department of Business Management Sciences

The following books are maintained in the cash department of branch

 Receiving Cashier Books

When cash is received on the counter, it is entered in the scroll book in

Department of Business Management Sciences

Payee. The Consolidated of the receipt and payment of cash in entered in

Collection Of Utility Bills

Department of Business Management Sciences

Types of Cheques Collected by the Clearing

b)Transfer Delivery Cheques

Department of Business Management Sciences

HUMAN RESOURCE DEPARTMENT

Most talented people are hired through proper recruitment process.

Transfers are usually made on the promotions from one country to

Department of Business Management Sciences

Department of Business Management Sciences

It is involved in the checking of all types of work that is being conducted in

• Checking of all type of registers that are maintained by the officers of

• Inspection of the Dak/Mail register issued and received

Department of Business Management Sciences

CREDIT ADMINISTRATION DEPARTMENT

Department of Business Management Sciences

• SBP Prudential Regulations

Then an approval document is received from the appropriate/competent authority.

Department of Business Management Sciences

The main operations of the Foreign Exchange department are

Important documents for the Import are

In contract the most popular is CAD (Cash against Documents). That is

Department of Business Management Sciences

Export is mainly involed with the collection of the documents or the

Documents Required for the negotiation:

Documents Remained in hand

Department of Business Management Sciences

Foreign Exchage Account handling

Department of Business Management Sciences

 Minimum deposit of Rs. 50,000 and a maximum deposit of Rs.

Period** Profit Rates***

Period Profit Rates*