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CHAPTER # 1

INTRODUCTION OF STUDY

1.1c Introduction

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CHAPTER # 2

EVOLUTION OF BANKS IN PAKISTAN

2.1 INTRODUCTION

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2.2 Definitions of Bank

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1M banker is dealer in capital or more properly, a dealer in money. He is intermediate


party between the borrower and the lender. He borrows of one and lends to another´.

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include every person, firm or company having a place of business where credits are
opened by deposits of collection of money or currency. Subjects to be paid or remitted on
Cheques or order, money is advanced or loaned on stocks, bonds, bullion, bill of
exchange, promissory notes are received for discount or sale´.

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2.3 Evolution of Banking in Pakistan

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2.6.1 Islamization of Banking

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2.6.5 MANAGEMENT

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iii. PLS term deposits

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a. Clearance of utility bills

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REFRENCES

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CHAPTER # 3

INFORMATION & DEPARTMENTALIZATION OF NBP

3.1 INTRODUCTION

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3.8cFOREIGN REMITTANCES:

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Internship Report on NBP, Balakot branch Balakot  c


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3.8.1 New Features:c

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3.9 SHORT TERM INVESTMENTS

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3.10 National Income Daily Account (NIDA)

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3.11 EQUITY INVESTMENTS

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3.13 TRADE FINANCE OTHER BUSINESS LOANS

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3.13.2.1c Working Capital and Short Term Loans:c

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3.13.2.2 Medium term loans and Capital Expenditure Financing:c

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3.14 INTERNATIONAL BANKING

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3.15 Cash and Gold Finance.

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3.16 Advance salary loan:

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3.17 DEPARTMENTALIZATION 2

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Internship Report on NBP, Balakot branch Balakot *5c


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A) DEPARTMENTATION OF NBP

3.17.1 CASH DEPARTMENT

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3.17.1.2) Receipt

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3.17.1.4)c Cheques and their Payment

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c c+c

mMn unconditional order in writing drawn on a specified banker, signed by the drawer,
requiring the banker to pay on demand a sum certain in money to, or to the order of, a
specified person or to the bearer, and which does not order any act to be done in addition
to the payment of money´.

Internship Report on NBP, Balakot branch Balakot *>c


c
c

3.17.1.5) The Requisites of Cheque

c c c   


c  c c 
c c
 c c c 3 "c c c 
c c  c c
    c  
c c&  c>ccc3 c  ccc c

c %c 


cc c  c

c c 
 c
c

c 'cc   cc$c

c $ cc' 
c

c & c3 c c $c

c $ccc   c c

c & 


c$cc
c

3.17.1.6) Parties to Cheque

c c3 c cc c cc cc


"cc
cc
cc$"ccc
$ccc

c c'c

c c'c

c c$c

3.17.1.7) Types of Cheques

 c c c


c cc$ cc   c

Internship Report on NBP, Balakot branch Balakot *;c


c

a) Bearer Cheques

c   c c  c c c c c c c  c c  c c  
c
c  c

b) Order cheque

 c $ c c   c c  c  c c c c c  c 
c  c  $c c
ccc ccc cc  cc$ ccc  c
cc cc c
 c
   cc%c c cc  
cc  cc

c) Crossed Cheque

 c   ccc$c c  ccc  ccccc%c c$cc 



c
cc$7 c c%cccc  c c  ccc  c"ccc
c c
c  cc  B  c ccccc c
ccc
 c cc 

ccc ccc cc cc  c c 
c
c

 
c cc ccc cc c $c 
cc  c

3.17.1.8) Payment of Cheques

%c c c 7 c  $c  c c $c $c   


c c  c   7 c  c
 $c$c c c   c$ cc $c
 
c$cc   c ccc
cc   cc cc
c cc c cc  cc $c c c
c
  "c 
c $ c c  c  c $ c   c c "c  c c c

   c c c c c 


c
  c  c  c c     "c  c
  c $c  c c  c .c c  7c c   c c $c c
$ c c c 6'c 3 7c c $ c c
c  c  c $ c c  
 c
 c c c c c c   "c c 
c  c 
c  c   c c $c
 c c   c c 
c     "c  c
c c 
c c  c

c c   c c c c c  
c c   c $ c c c  c  c
 
c%c cc  c  cc c ccc c   7 c   c c
c c   cc 
c

c 3  c 


cc ccc +c

Internship Report on NBP, Balakot branch Balakot *<c


c
c 3 c 
ccc  
+c

c 3 c 


cc
ccc c+c

c 3 c 


cc  
+c

c )
c  cc  c
c +c

c c3 c 


ccc c

cc +c

g)c 3 c 


cc 
c
 c c +

h)c 3.17.2 CLEARANCE DEPARTMENT

Mc   c c c    c c   c  c c c c  c   $c c c
 cc  c
c  cc 
c  cc  cc   c c
 
c $c c c c c c $c $c 
 c c $c c %c  "c c
 c $  c c
c$cc&c%c&c cc ccc "cc"c cc
  cc&c c cc   c

Mcc/
c/c%%"cc
cc c c     c cc cc cc
  c c  c $  c  c  c 
$c   
c c   c  c  c c
c   c cc cc   c ccc c cccc   cc
/c 3 c c
c c c c 
c c 
c $c
  c c  c c  c
 cccccc
"cc c  cc 
c$cc cc

  c 
c c   c c c c
  c  c c  c c   c c c
  c
cc     cccc  c 
c

%c  "cc c   cc3 c c$cc


 ccc  ccc  c
c  c c
c .c
  c c  c  c  c c c c c $c c c
  ccc cccc c cc  c cc
 
c   c
c 
ccc
7 ccc
 cc c$c c ccc  c$c
  c c  c  c   c c c c c   c     c c  c c
 c c   c c
c   c c
c c c c c  c c   c c

Internship Report on NBP, Balakot branch Balakot * c


c

 
cMcc  c "cc 
 7c c  cc  cc   c
c
cc c  c  cc$ c$c c

c $"c c


c  c c$c cc cc  c  c  ccc

c  c$ccc c
c$c c c  $ccc cc$ c
c

c$cc   c

c   ccc c   c c ccc #


c cccc  c

$ ccccc  c c


c cc ccccc $c cc

  cc   cc   ccc   c c


 cc   c
$c cc c  c
c  cc   c
cc c cc   c
c c 
c  
c c c c c  c $c c
c Mc  $c c c

c c  cc  ccc "ccc cc   c
 
c
c
  
c$c c cc c 
cccc   c 
c$ccc cc
c
 c c c c   c c  c c c 
c $c c  c c

cc ccc  
c$c c? ccc   ccc c
cc cc
$ ccc c
c$c c

3.17.2.1) In-Word Clearing Books

c c   c  c c c c  c c  


c c c   c c c  c
  
c$ccc cc  c  cMc
  ccc   cc 

c c c
c

3.17.2.2) Out-Word Clearing Book:

cc  c
c  c ccc cc 
ccc
  ccc
  cccc c
 
ccc c

3.18 ADVANCES DEPARTMENT

M
  c
 c cccc  c   c
c c
  cccc
c (c  c c c  c c 
c c  c
 c c (c c  c

 c c c c   c c c  c c 3
c  c '  c c
.
c 0 c
 $c  c c c 
  c M c c c c c c  c  c

Internship Report on NBP, Balakot branch Balakot !:c


c
   c %c   c  c   c  c c    c c c c c  c 
c
 c
  ccc ccc  ccc 

 c 
c  c   c3
c
#  c c c  c c    $c c c   c     "c   c c c c
 c  c c  c ."c c c  c  "c c c c $c  $c  c 
c c  c
cc  $c 
cc 
cc  
c$c c  c   cc

M$c 

c c  $"c c  c c  c "c   c c c  c c 
c c
  ccc  
c "c c
 cc c   cccc

3.18.1) Name and address of the borrower.

c ?#  c  c  cccccc c c

c M  c
  ccc c c$c

c &  $c  cc

c ?#  c  c  ccc  $c c&cCc%  c& c

c &  c c  $c c c  c c    c c 


"c c  c c
c ccc cc  cc$cc  c cc $c
 c  c

3.18.2) Principles of Advances

c c  c    "c  c  c c


$c  
c  c 
 c $c c c
 c

c &$c

c 8 
$c

c '  c


c -  c

c &   $c

Internship Report on NBP, Balakot branch Balakot ! c


c

a.c Safety

7 c 
c   c  $c c $c 
c  c   c    c c
  c  c  c c3cM "c&  ccM "c3c' cM "c
& c cM c
c) #
c' cM c%c 
 ccc $cc
c
c ccc c    ccc 
ccc c c$c  c
$ccc 
 c cc#c
 cc $c$c cc"cc
c  c c $c c 
c  c c  c
 7 c $c c 
 
c c c

c c c  c c  c
 c c # c c   c c  "c  $c 
c
 c c c c c c   c c c   c 
c c $c c 
  c

c$c c

b. Character

%c c c  c c  c c


  c c $c c 
 "c c c c c
  c c  c Mc 7 c  c c 
c  c  c c $c c

 c  c c $c
c  $c cc $c  c%cc c 
ccc
c  c c  c  $c  c c   "c c c 
c 
c  "c
  $ccc     c
c$c cc 
 c c  ccc c
c
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%c c  ccccc cc cc cc cc  c
c c
 $ccc$cc $c
c  
cc  cc

c. Capacity

 c cc  c  $c "c c cc   cc  c cc c
c c
cccc     ccMc  c $ccc c  c
   "c c  c 
c  c     "c  
c c  c c c   c
  "cc $c c c  c$c c0ccc
c cc c cc
 c cc c  cc cc ccc
c cc"c
cc c   cc cccc

Internship Report on NBP, Balakot branch Balakot !c


c

d. Capital

 c cc $c c  cc $c  


c$cc  c  c c
 c cc  c
c  ccccc   c c cc
c B c
 c c   c 
c 
 $"c $c  c  c 
c  c c  c  c

c  ccc  c  
c c  cccccM c  ccc
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c c c  c   
c c c  c c c  c c
   cc   c

e. Liquidity

8 
$c  c c      c c   c c 
  c c   $"c   c c
c $c
c$cc   c c$c c c  cc
 
c2$cc
 c $c  c  c 
$"c 
c c 
c  c  
c c c  
c c c
 c ccc c "ccc  c ccc $cc c

c c c  
c c c 
c c  "c 
c c c  c c c  c c
  c  c cc$c  cc c c 
c  c ccc c
 c%c  cc  "c c c$c ccccc 
$c c7 c  c
c 
$"c  cc
ccc
c$ccc c 
c c
cc cc
 c cc
c  c%ccc  ccc
 ccc  cc
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c   c c c 
c  c   c c c c c  c c  c c $c
ccc c c   cc$cc c. "ccc  c
c
cc 
 ccc   cc 
$c$c cc

f. Dispersal

c
 ccc cc
 c 
cc
$c 
c ccc cc
 c   c $c  c  c c 7 c 
c c c  c  c c
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c c c  
c c   c   c  c # c 
 $"c $c   c c
 c.c  c cc c c c
cc
  c ccc
cc
c  c c   "c 
 $"c "c "c c  "c c(  c

c  cc  c   c c
cc    c

Internship Report on NBP, Balakot branch Balakot !*c


c
'  c c 
  c c $c   $c  c c  c c   $c  c "c   c c

  c c  c c  $c c   c  c c c c  c  cc c
c 
c

g. Remuneration

Mc (c ccc7 c  c   c cc  c 


ccc $c

c$cc    ccc
c  c  cc cc +c

c % c$ccc $c


 
c c c

c &  c


c c  c$ccc c   c

c 0
c # c 
c
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c   c c c  #
c   c c c
c

c Mc
 c  cc c c  c

c   ccc c


cc c c    c

c $ cc




ccc 
 c

h. Suitability

c
c1    $7c ccccc c  c c $c  cc cc
c  c
cc%c  cc
 c 
cc
cc$ccc $c  
c
c
 c  c c  c c  c  c c c  c
 c  c

cc$cc   c  
cc  
 cc ccc

c  c c c 
c c c c  c c  $c  c c c  c

c $c
c
c$cc cccc $

3.18.3 Forms of Loans

%c

 cc  c
c
 cc  "c c c c$c
c cc
 cc  c  "c
 c
c cc
 c
  cc
cc c

c$ c cc  c
 
c

Internship Report on NBP, Balakot branch Balakot !!c


c

a) Cash Finance

 c cc$c  c cc c$c   c


c 
  c   c
c c

c c c  c
cc$  cc
"c
 cc  
c
%c  c   ccc c
ccc $c  cccccc  c
 "c cc cc c
cc  
ccc c c cc
c

c c c   $c c $ c K   c  c $c c c  c c  $c
   c

%c c c


 c c   c c c  "c c c  c c  c c c c B
  
c c%c
cc c c "ccc $c
ccc  c  c
c c  c   c  "c  
c c  c c c  c c $c
K  c  ccc cc ccc ccc cc  c   c
 c
cc cccc
 cc  cc c

b) Overdraft/Running Finance

 c c c  c  c  c c c 


c /c c c    c  $c
  
 c  c c  c  
 c c  c  c c #  c c c  "c
 c c  c   c  c c 
"c 
c c 
c  c   c  c
  
 c c $c 
c   c c     c /c c c   c
c     c c c 
c 1& 
c 0
4c 
c c c  c   c
c c $c c   $c # c  c  c   $"c c   
 c c

cc13c0
4cc c   c c cc
 c  c cc

"c  cc cc$c  c  c$ccc c 
c  c
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 ccc  c  c
c
c  c cc cc  c
  c c c c   c  
c c c  c $c   c 
c 
  c  c c
c "c cc
c cc $c  
 c  $c 
ccc

c) Demand Financing/Loans

/c c   c  c  c c c c  #


c  c $c  c c  
c
   c c c  c  c c c  #
c c "c c c 
c c 14c /c  c

Internship Report on NBP, Balakot branch Balakot !5c


c
c cc c    c  c c     c$cc 
c1  
c 4c

ccc c   $c cc$cc 
c1 c 4c

c  c c c c  


c c c 7 c
 c c  c  c c c  
c

c"c
cc c   c cc$c  ccc c c c
cc cc #
c cc $cc c "c ccc c   
c c

c $c c #
c  cc
  c c 
c  cc   $c   $cc

3.19 REMITTANCE DEPARTMENT

-  c  cc  cc $c c c$ cc   c c
 c
 c
 c  c c  c c $c  c c c c c c c  c c  c c
c cc c    cc cc c cc   c

c ' 
c'c

c  c c

c $c0
c

c  c c

3.19.1) Demand Draft c

' 
c
c c c c 
c c  c c   c   c c   c  c
M  c  c  
 c c  $c  "c  c  c 
c c 
7 c  c
c   c
  c c  c c ''c c c  c Mc c $ c c ''c c

c 
c  c c c   c c   c c c    c c  c
 cccccc cccc c''c c
c
c ccc

 c c 
c c c  c c  c c c   c c 

c c c ''c

 c  c    c  c   c c c  
c  c 
c c  c c

 
cc''c   cc  c''cccc$ c

Internship Report on NBP, Balakot branch Balakot !>c


c
c Open DD:c /c
 c$ c c 
c

c Cross DD:c /c$ c c 


cc c

NBP CHARGES FOR DD

%c Dcc- c5:":::KBc c- c5:KBc$c

%%c 0c- c5:":::KBc c: Ec

3.19.2) Pay Order

$c
c c 
cc c cc $c$c
c cc  c  "c c

c  c $c c  c c $c c  c  #
c  c c - c 5c c $c

c cc c
c
c- c ::c ccB c
c

3.19.3) Telegraphic Transfer

 c  c c c  c c c   c 


c c  c    c
 c c cc
c$c ccccc$cc   
c  cc $cc
c   
c cc   cc   cc  cc  c cA  c
c
c
c c$c
$c  cccc 
cc  ccc cc
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$c c 
ccccc  c+c

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3c c c   c c c  


ccc cc $c%c c c
cc  c c  c $  cc c 
"c c cccc c  
c
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c c c

3.19.4) Mail Transfer

/cc $c cc  


c 
$"cc   c c cc 
c$c  c
 cc.cc  c cccc 
c     c c  c$c  cc
c$ cccc$ ccc   
c cc $c'  ccc$7 c
 c cc  c  c 
c 
 c cc   7 c  c cc $ c c

Internship Report on NBP, Balakot branch Balakot !;c


c
cc$ c
c c cc# c  c  c cc cc
c# c
$c c 
c cc

 c c  c  c c  c   c - c !:KBc c c $c  
c  c  $c
- !:KBc c c$c 
c c 
cc$7 c  c

3.20 HUMAN RESOURCE MANAGEMENT

. c -  c $ c c  c c c c   c c $c  c   c $c
 c c c 
c   c  c  
c c  c c  c c   c c
  c 
c 
c$cc 
c cc 
 c  "c c c cc
c


c 
c c   c 
c  c (   c %c  $c c c c c
cc   c c c cc c c 
cc #  ccc   cc
cc$c   c."c  c   c c  c  cc c$c
c c

A  c    c 
c c  c   c c  c c c  c c   $c
# 
c cc c#+c

3.20.1) Selection & Recruitment

Mc c c   c c  c c c   c c   c c  $ c c c

cc  c ccc $ ccc


 
c c  cc 

 c c
 c c $c 
cc  c cc c c c   c

c   
c 

 cc    cc 
c

3.20.2) Job for Life

8 cc $cc c  c   c c "cc $ ccc c


($c c (c c c&  cc c c cc$c  cc

 $c c"c
$c
cc c c cc  c c cc

 $c c"c$c
cc
 c c c c   "c
c c cc cc  c  c cc c

   $ccc $ cccc

Internship Report on NBP, Balakot branch Balakot !<c


c

3.20.3) Performance Appraisal

c  cc $ ccccc 


cc cc 
 c
 c c c 
c c  c $c  c  c   c c 

c 
c c   c
 c
ccc 
c
ccc c  +c

c c  cc $ c c


cc  ccc c

c ? cc (   $c c 


c c c 
c

*c ? $7 c  c cc 


c cc  cc c

!c 0(   cc $7 ccc   


c

3.20.4) Inter Personal Relationship


c  c  
 c  c    c  c c 6c c  c c
  c c c   c c $c  c $c "c  c   c c  c c  c

c /c c  c c   c c "c    c  c  "c c
  $"c c
cc   c
cc cc#  c c  c   c c
c cc 
c ccc c (c
c

Lack of Communication

8 cc    c c cc   c c c   cc$c c c


ccc
 cc 
cc  cccc  c ccc  c$cc  c c

c cc 



c

3.20.5) Diversity in Values

'  $c c  "c    "c c  
c 
c  B $c c c  c
  c c c  c   c c c ' c  c 
c    c c
c  c "ccc  $c  
c
 
c /c  c  cc  c c
 "c"c  c   cc
c

Internship Report on NBP, Balakot branch Balakot ! c


c
c
 c
c cc 
c 
  c    ccc
c c  c
c# "c
 c  c  c  c 
c 
 c   c c c 
  c 
c c  c
$c c cc cc
cc c c
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. "c  c   cc
c

3.20.6) Corruption

0c  c  cc  c  c cc  cc$c cc  c
c
  c cc3 c  c  c  "c  "c "cc


cc cc  c   cMc c  c  ccc 
cc
c

cc  c cccc

%c c  c c $ "c  c   c c 


c c 
c c
c   c c
  c cc 
c cc $c
   ccc

3.20.7) Discipline & Authority

   c
 c
c   cc $c c cc
c   c cc
$c c   c c $c   c %c "c c  $c  c c c  $c
  
c8 c  cc c$c  
c cc $c cc cc
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3.21) DEPOSIT DEPARTMENT: -

c%c  cc c     +c

cc MK3c c

c %  cc  c

c 3cK c

c & cK c

c 3 c   c

Internship Report on NBP, Balakot branch Balakot 5:c


c
c 3 c

3.21.1 Account opening

c ccc c cc   ccc   c   ccc


c  c c c  "c c c 
c
 c c    c   7 c
 $"c     $"c   c 
c c c c   c $c c 
 $c
  c  c c c  c c  c  c  $c    c c   $c
  ccc c  cc

c M
c
c

c &c
c  c 

cc
c

c   c

c %    cc   c

c c  c     "c  c c c c  


c c  c c  c  c c
c

Ñc ) cM  c

Ñc %
  c

Ñc & c& c

Ñc    c%  c' cc

Ñc 0 ccM c

c $B%B& cc

c  cc

*c %  c3 cc

Internship Report on NBP, Balakot branch Balakot 5 c


c

a) Qualification of Customer

c cccc
cc   c c$cc  c"c"cc  c
cc c c     cc

Ñc .c  cccccc ( $c

Ñc .c  ccc 


c 
c

Ñc 8c  cc
 $c c

Ñc c c 


cc 
ccc( "c c cc   c

Ñc c# $c
 
c


Ñc b) Types of Accounts

) ccc  c$ cc  c

c %

cM c

c , cM c

*c M  cc& c$ c

èc   c c

èc , c  c  $c c

èc M  cc  "c    c


c    c

èc M c c

èc  c c

èc ?#  c


c
  c  c

èc ccB
c  c

Internship Report on NBP, Balakot branch Balakot 5c


c
èc ) c  $c  c

3.21.2 Issuing of chequebook:

 c
c c  c cc c
 c

-    cc  c  c

ccc c
c  c cc   c  cc

cc?$c 
cc 
c cc  B  cc

c c  c c  c 


c c  
c  c K c 
c c c c
 c
 Kc c

e)c 3.21.3 Current account

 cc$ccc   cc$cc


 

c/ccc  c
c
 
c
 "cc   cc  cc$ cc   c c
c  c c
c c #c c c  c c c  c   c c  c "c  c
  c c

c c c     c$cc c c c c
ccc$c cc
 c
  "c
c    cc  
cc   cc   c "c  c c

c  cc

 
c c  c  c c c   cc
  c $c
 
c 3c M c c $c  "c 
c  c  c c c c c  $c c c
 $c  c
  c

D c c c
 
 c  "c c  c c 3c '  c c  c c ) #
c
'  c c$c c%c c$ "c"cc  c c 
c $c
"c c 3c '  c c   c c 9c c  c c  c c
3c '  c 
c ) #
c '  c   c  c c c "c  c c  "c 
c
 c cc c

3.21.4 Saving account

&  c '  c  c c c 


c  c $c c  c c $"c 
c c

 c c 
c c  c c  
 c  c c 
c c c # c c

Internship Report on NBP, Balakot branch Balakot 5*c


c
 
c c #B c  c 
c c % B)c  c &$  c c c c
   c c c  
 c  c c
 c   c c c  c c $c
 
c c

c  c c  c c c c c   c c 
  c c
  c c  c c c 
c c c  c 
c %c
 c   $c
 
 c cc
  c

%c 
c c  c  c  c c &c c c  c  c 
c c &  c
&  c c c 
c c 
 c 
c 
  c c  c c  c c  c
  c c c   c c  c c   c c c    c M c  "c c   c

 c  
cc c c  c c$c .

3.21.5 Cheque cancellation:

 c
c c  cc  ccc c9c

c  c

c  c

c &c  c

c /cc  c


c c/c c c

3.21.6 Cash

 c
c c
 c c  c$ cc   "c
  cc   c c

3.22 FOREIGN EXCHANGE/DEPARTMENT:

 c
c  $c
 c cc c  cc  c   cc c
c+cc

c 8K3c
 c

c ) c  $c  c


 c

c ) c-  c


 c

Internship Report on NBP, Balakot branch Balakot 5!c


c

3.22.1cccL/C dealing

c c  
cc c  c   c    cc
 ccc  c cc
c c $c  cc %c $c c c   c  c c c 8c c 3
c
 c c ( c c $c c  c c / c    c  "c   $"c 
c  c c
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ccc c$cc
c$c  c    c

3.22.2 Foreign currency account dealing:

 c
c
 c cc c  $c  c c  $c  
c
c "c
c c c

c3.22.3cForeign Remittance dealing.

 c c$c c  cc c


c

B) DEPARTMENTATION OF BALAKOT BRANCH, BALAKOT NBP.

' 
cc  c c
c c 
ccc    c c 
c

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c cc  c c

c 3 c' c

c 2c c' c

3.17 Cash Department:

c1c  cc cc$  cc c  c


c# c
c$  cc  4c

ccc  c   cc  c


 c

c c $ c c -   cc

c $  ccc  cc$c$c c   c


c$c  c

c -   c c   cc    c  "c# c c

Internship Report on NBP, Balakot branch Balakot 55c


c

3.18 General Banking

%c c   cccccc c  c c 


c%c c


c
c c
  c

Uc  cc' ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc

Uc -   c' c

Uc 3 c' c

Uc M
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Uc ?   c' c' c

Uc 3 c' c

3.18.1c Remittances Department:

c(  cc c
 c +Bc

c 1c  c c $c c c  c c  c c c  c c c 
c
 c$4c

c  c   cc c


 c+c

c %  cc
 
c
c

c %  cc c c

c %  cc c c

c %  cc$ c


c

c %  cc c


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 c 3 c
c  cc c    c

Internship Report on NBP, Balakot branch Balakot 5>c


c

3.18.2 Advances department:

c ?$cc cc
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cM
  c' c cc

c 1c  cc$c  c c c


cc c cc $c c
c

  4c

c  c  cc c' c ccc  c $c cccc


c c
c
c c $cc cc c ccc c

3.18.3 Clearing Department:

Mc   c c c    c c   c  c c c &c c c
 ccc cc  c
c  cc 
c  c

c(  cc c
 c ccc

1c  c    cc$ c c3  ccc 4c

c$cc  c cc   


c

i.c In word clearing books:

c c   c  c c c c  c c  


c c c   c c c
 c  
c$ccc cc  c  cMc
 ccc   cc 

c c
 cc

ii. Out word clearing book:

cc  c
c  c ccc cc 
ccc
  cc
c   ccc cc
 
ccc c

3.18.4 Computer Department:

c(  cc c' c cc  c    c c$ cc c   4c

Internship Report on NBP, Balakot branch Balakot 5;c


c
c  c   c 
c$c c
 c+c

c 3  c c

c '
  c c cc  c   c

c %  cc   c


c ' c/ cD c

3.18.5 Establishment Department:

 c
 c  $c
 c cc c $ cc  c(  cc
 c
 c ccc

1ccc  4c

 c   cc c
 c+c

c @ cc 


cc
 cc $ c

c ? $7 c   c


  c

c ? $7 c  c c

3.19 Summation

/c
 
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  "c c
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c cc#c c ccc&/0cM$ c
c)  cM$ cc
ccc

Internship Report on NBP, Balakot branch Balakot 5<c


c

REFRENCES

cKKc  c   c

c' c,$c:"c::!cc c c cc

*c
c0 "c,c "c::!"c3  cc *"c::c.
c0 c ccc
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c

c
c

cccccccc

cccccccc

Internship Report on NBP, Balakot branch Balakot 5 c


c

CHAPTER # 4

SWOT ANALYSIS

4.1 INTRODUCTION c

c $c c &/0c 


c )  c M$ c c c c c c c   c
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c c  "c  "c    "c 
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c
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c cc

mSWOd analysis is a situational which includes strengths, weaknesses, opportunities and


threats that affect organizational performance.´

mdhe overall evaluation of a company strengths, weaknesses, opportunities and threats is


called SWOd analysis.´

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   c
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c  c 
c #c    c 
c  c c c c c c

c 
c   c 
c # c    c 
c  c  c  c 
c

c  c

Internship Report on NBP, Balakot branch Balakot >:c


c

4.2 STRENGTHc

4.2.1 OLDEST INSTITUTION:

c cccc
 ccc c
c  c  
cc. c  c   c
 c c c c c c c c    cc c 
 c cccc


 cc   c cc  ccc

4.2.2 ALTERNATE DUTIES IN SBP ABSENCE

c c  c 

 c   c c  c    c  c c  c c c c


  c cc  cc&cc

4.2.3 MORE DEPOSITS THAN OTHER BANKS

c  c c  c   c c  c c


  c c c c c  c c
  ccc 
 cc   cc ccccc cc  
c

c
 cc c c  cc c($ c c
ccc "c  c 

4.2.4 EMPLOYEE BENEFITSc

c  $ c c c c


c  c $c  c  $c c   c
c  c ?
BDB) c Cc ?
BDBMc  c  c  c c 

 c  c 
c
  $cccc
cc  cc   ccc $ cc

4.2.5 BROAD NETWORK

cc cc   $c c c c


B  ccc  cc
c $c  c c c c  c c  c 
  c   c c    c c


c   cc c c c cc   c   c   
c

4.2.6 STRICTLY FOLLOWED RULES & REGULATION+c

c  $ c c c c  c  c c c Cc  c  
c $c c c

 
c  ccc  c  c c
c c  cccccc
cc  c

Internship Report on NBP, Balakot branch Balakot > c


c

4.2.7 PROFESSIONAL COMPETENCEc

c  $ c c c c c c 


c 
c c  c
    "c  c $c c  $c
 
c   c  c  
c c   c 
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 c  c  c    c c c  $ c c 
 
c 
c  c
c  c
c c cc$c

4.2.8 HEALTHY ENVIROMNMENT

c  c 


 c c c c  c c c $c 
  c 
c c c
cc c  c   c   c c   c c c  $ c c c
  c$c

4.2.9 RELATION BETWEEN STAFF AND OTHER EMPLOYESS

cc($ cc
c c cc c   ccc $c c   c
c c c  cc
  c c$"ccc $ "c
ccc
c
c $ c

4.3 WEAKNESSES

4.3.1 LACK OF MARKETING EFFORT:

c c
 c c  c  c c "c   "c  c c c    c $c
. c   c c  
c c  ccMc
cc c  c cc c
cc  c cc  cccc$c  c

4.3.2 NBP UNDER POLITICAL PRESSURE

c c   c 


c c  c   c 
c  c 
c  c
  c c
  c c c c c  c $c $c   c c c 
c c 
c c
 "c c
ccc
c
( 
c c ccc $ !**cc

Internship Report on NBP, Balakot branch Balakot >c


c

FAVORITISM AND NEPOTIS

c   c
c  c c ccccc

c
c$c  7 c  cc

c c  c
c
 c c

ccc
 c   "c  c
 c c  $ c  c   c c   c  c
  c $cc

4.3.4 LACK OF FINACIAL PRODUCT

cc cc 
ccc  c
cc   cc 

c%c cc
c 
c ccccccc    ccc  c
c  c
c#  c   c c c 
ccccc (c    c
c c
cc c

4.3.5 INEFFICIENT COUNTER SERVICES IN THE RUSH HOURS

' c c  c  "c c c c 



c cc c c c c c 
c c c c
c c c 
 c
c
 ccc c
  $ccc cc  c
c  c  c c c c  
c  c   c 
c c c  c c c
  c$cccc 
c

4.3.6 LACK OF COMPUTERIZED NETWORK

c c  cc cc  c


c $c ccc   "c c c

c  "c $c 
c 
c c  
c c c  "c c  $ c c
$c c
c

ccc c c cc


c$ccc   c

4.3.7 LACK OF MODERN EQUIPMENTc

cc  cc 
c?   cc cc  c   c   c?c c
c c $c    c $c  c c c c c   c c  c  
c  c 
c 
c


cc

Internship Report on NBP, Balakot branch Balakot >*c


c

4.3.8 UNEVEN WORK DISTIBUTION.

c 
c c c c c $c
 
c 
c c 
c 
c c c c c
 c $ c c c 
c$c c c      "c c c cc

   c cc $ c ccc

4.4 OPPORTUNITIES c

4.4.1 ELECTRONIC BANKINGc

c 
c 
$c  c   c c c  c   c c 
  c c c
   "c  $c c    c  cc  c c c cc c
c 
c    c c c c    c c c   c c   c
 c  $c c  c c  c  c !c  c c
$c  c 
c  c c
   c
cc c

4.4.2 MICRO FINANCING

  c c c 


c c c   c c c "cc c cc    c c
 c
c0c cc
$c   
"ccc c c 
cccc
 c c c
ccc cc cc c
 
c

4.5 THREATS

4.5.1 EMERGENCE OF NEW COMPETITORS

cc c c c cc  ccc    c  $c c cc
 c  c  c  c  c c   
c  c $c   c c  ccc
# c 
c c c c  c $ c c   c 
c  c  c   c c c
 ccc    c c c
cc c 
c  cc c c    c

4.5.2 POLITICAL PRESSURE BY ELECTED GOVERNMENTc

c c  c cc c  cc cc $c  cc  ccc
c  c c 
c  c c   $c c   c  c c c  c c
   $c
c
   c cc   c cc c $ c

Internship Report on NBP, Balakot branch Balakot >!c


c

4.5.3 DOWNSIZING

c c c $c   c c c  $c c


  c  c c c
  cccc? $ c c    $c c
 c c ( c
c"c c
  cccc  cc $ c $c

4.5.4 CUSTOMERS COMPLAINTSc

c#  ccc
c   c $  ccc cc   c    cc
c
$c c 
c c c   c    c c   c 
c c  c
 
c
    c   H c    cc 
cc

4.6 COMPETITIVE ANALYSIS

Porter¶s five forces model: cc

 c c c
$c 
cc    c$ c%c c  ccc c  $c
c    c c    cc c  c    c  c

4.6.1 Rivalry among competitive firms:c

c%c c c $c c  c  c c    c   c c   c  
c $c
c   c c c   c $c c #c c $c 
c    c 
 c
cc   c c    c   c $cc c  "c c  $c
  ccc c$cc  cc
 
c
"c$c "c  c
 c 
c  c c 

 c   c c c    c 


c c c  c
  cc cc1 7 c4c

4.6.2 Potential entry of new competitors: c

c/cc  c c $c cc c 


 $"cc    c    c
cc   "c  "c c c c cc  ccc cc  c c
c c 
 $c c  
c c c c
$c$c 
c c c
c
cc  c c  $c   c 
c c  c&cc c cccc

Internship Report on NBP, Balakot branch Balakot >5c


c
 c  c $c 
c c c  c c  c  c c   c c c c c
ccc cc c

4.6.3 Potential Development of substitute products:c

c c cc 
c c  cc     cc $cc  cc
 c
c c   c c 
 c c c 
 $c )c # c  c  c  c
  c c c
c c   cc c
c$c20 c c c c$c
 c  c c c c 
c%c$ccc cc20 c cc cc
c
 c c 20 c c   c  c  c c 7 c $c  c 8&c
  c c c c c   c c #c #  c  c Mc  c
  c   c   c c c 
c   c c c c c   c c  c
 
c%c  c c c c 
cc  cc    c

4.6.4 Bargaining Power of Suppliers:cc

c  ccc  c  cc  $cc    "c  $cc
c c c c  c c   c %c  c c  c c   c c    c
$c $c c $c c  c c $c  c c 
c   "c  $"c 
c
$c 8c  c  cc    c %c  c  
c c c $c 
c K3c c c

c  $c   cc    c$c cc  cc   c&c7 c
c cc    ccc c

4.6.5 Bargaining Power of Consumers:cc

/c    cc  


cc"cc$c c "c c  cc
  c c (c  c   c  $c c    c c c  c
   c c cc cc$c c c c $cc
  c
c
  cc c    ccccc cc   cc c  cc

c   c
c
  cc c    cc c cc  ccc

4.7 Summation

c  $cc c&/0cM$ ccccccc c  cc


c
cc   c  c  c cc c cc c   c  

Internship Report on NBP, Balakot branch Balakot >>c


c

CHAPTER# 5c

FINANCIAL ANALYSIS

5.1 INTRODUCTION

)  c $ "c c $ c  


c c c  c   c c c $ "c
$ c  c c  c c   c   c   c   $c c  c c 
c
  c  c c  c c    c c   "c      "c 
c 7 c
  $ccc  ccc c c "c
cc   c  c    c c

c #  c c c c c  c  
c c  c Mc  c  c c
  c $ c 
 c c $ c  c c   c  c c   c c
  cc

5.2 National Bank of Pakistan Ten Years Performance at glance 1

c cccc
cc c cc cc c cc ccc c c
  c cc  c  c ccccc

 c c c c c c  c 


c  c  c  c
 c c c c c c c c c c c
c  

  
     

  
 
 c c c c c c c c c c c
  
         
  

 
 c
c c c c c c c c c c
           

c
 
c  
c
c c c c
c c c
c
        

  c
 c
c c c  c   c 
c c c c
c  c
c c
 c
!"c 
c  c  c 
c 
c
c c
 c#c  c  c  c c c  c c $  
c  c

Internship Report on NBP, Balakot branch Balakot >;c


c

%c &c
% c#c ''''''''c ''''''c '''''''c
%c 
c  c  c  c c c c
()c '''''''c '''''c '''''''c
 c
 c *c * c *
c *c *c c c
+ !c '''''''' ''''''c '''''c
c * *
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 c ,c ,c ,c ,c ,c c ,c
-c%c  c   c  c
.
c c c  c 
c c c 
c
-c%c  c   c  c
("
c  c  c   c   c  c 
c 
 c
& cMc c <"c:::"c::"c::!c"::5c

) cccc c c$c  c cccc  c c c c


c
 c c   c c cc  c c ::!c %c c
c c c  c  c  c c c
c c
c
c c c   c c$cc$cc
  cc cc
 c  c
c $ c  cc  c
cc ccc cc
 cc c  c
ccc cc ccc$

5.3 RATIOS ANALYSIS 2

)  c$ c cc  cc


 $ cc  c  c
c ccc
  c$c$c   c c  ccc  cc c c
c c

c c "c c
cc c c
 c c c cc(  ccc
  "c c c  c c  c  c $ c  c c c c
  c 
 c
c  ccc  c $"cc  c$ c
cc
 c   cc  c   ccc  c  cc

Internship Report on NBP, Balakot branch Balakot ><c


c
Mc c $c 
c
 c c   c cc  c c$ "c c c
c   c c   c
c $c

c c  $c $c c c c  c   c
  c c  c $c c c c   c c $c c c  c c c c
 c$c  cc  c  c
c
c
 cc  c 
 c
c
  c c 
c   c  c $ c c $c c $ c   c
 
ccc   c  c$c 
c c cc$ c c

cc
c cc$ c

5.3.1 Parties interested in ratio analysis

5.3.1.1 Trade creditors


c 
 c c  
c c   H c   $c c c  c  c c c $c c
 
c c  c  c $ c  "c c c  c c c  c c c   H c
 
$c   c

5.3.1.2 Suppliers of long-term debtc

&  c c B c


c c c c 
c c  
c  c   H c B c
 $c 
c  c $c $ c c   c    $c c  "c  c   $c c
c  c c c c c $c  c 
c $c  c 
c $c   c 
c c
   cc  c  cc
c3 c  c   c

8B c 
 c
c $  c c   c   c   c c $c  c c
  c c c   H c ( 
c   c  c c c $ c c  c c
 $c
c   $c

5.3.1.3 Investorsc

%  ccc  


c c $c cc  c cc  c  
ccc
  c 
$c c c  c M c  "c $c  c c c $ c c c   H c
 c
cc   $c$cc c  
c cc  c  c  cc
c#c c  cc  c c  $c
c c

Internship Report on NBP, Balakot branch Balakot > c


c
5.3.1.4 Managementc

Mc  c


c c  
c c$c  ccc   c $ c%c c c
c    $cc ccc   ccc   cc 
c  c  $c
c
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ccc  H c  c 
 c c 
c

&c c  c $c  c$ ccc cc c c
c
cc
cc  c  c  c c  c 
 c
c  c c
c  c
c cc c c 
 "c  c
ccc  c
$ c c
ccc
c c  $c

5.4 Ratios analysis

- c cc   ccc  cc c c


c   c  cc

5.4.1c Cash Ratio:c

1 c c c 


c$c

c  c$c c     cKc     4c

 c  c  c c c  c c c c $ c c c      c c c %c c
 
c c  c- L3 K c     c

Internship Report on NBP, Balakot branch Balakot ;:c


c
dable 3

 c 
c  c c c c c c

/c
+c *
c * c * c *c *c * c *c

raph 1


 

Ú 
Ú
Ú 
Y 
Ú
Ú Ú 
 
Ú
  ÚÚ ÚÚ
 Y

%c  ccc  c  c c cc$ c  c c     c c cc
c  cc

c
c  cc c
  c  c c cc c  c c
     

5.4.2 Gross Profit Margin Ratio+c

1 c c  cc c  c c  Kc4c

 c c  
c c

2 c Kc  c


c

Internship Report on NBP, Balakot branch Balakot ; c


c
dable 4

 c 
c  c c c c c c

0c %c
),c *
c  * c 
* c  * c  * c  * c * c

raph2

0c%c),c

c
Ñ
c c 0c%c
 c ),c


c
c c c c
 c

2c c  c c ccc  cc  c  c  c
c c  cc
c

) c   c c c $c  c c c c  c  c  c  c c 
c

c c  ccc  c$c c c
  ccc  c c  c
c ccc  c cc  cc%c cc  ccc  $ccc  7 c
  c c M c c c c c c  c c  c  c c c 
 c c 
c
  c

ccc

5.4.3 Net Profit Margin:

Internship Report on NBP, Balakot branch Balakot ;c


c
 c c   cc  7 c   $cc  Kc  c
cc c cc
c#  c
c   c# c

 c c cc  


c +c

c c  c cLcc cc# cKc  c


c

dable5

 c 
c  c c c c c c

- c %c
1)c,c *c * c * c * c * c *
c * c

raph3

- c%c1)c,c

c
 c
c - c%c
c 1)c,c
c

c  c c c

Ñc

?# +c cc   c


cc c c$c  c ccc  cc
c c$c
cM
cc
c c
c%c c cc  7 cc   cccc
cM cc
c c
c c  cc c  c cccc c  cc
c%c c  cc c
  ccc c cccccc

5.4.4 Return on Equity:

Internship Report on NBP, Balakot branch Balakot ;*c


c
' 
c  c c # c $c 
7 c   $c -0?c   c c  c c
# ccc&
7 c?  $c

 c c c  
c +c

-0?L cc# K&c


7 c?  $c

dable6

 c 
c  c c c c c c

+ !c c
( !"c * c *c *c * c * c *c *c

raph4

+ !cc( !"c

c
 c c

+ !cc( !"c
c
c

c  c c c

Ñc

?# +c cc   c c c ccc-0?c- ccc


c
cc
c%c c  cc cc c$cc
c%c c cc cccc

7 c    c %c c   c c  c    c $c c 
c   c
# c  c

5.4.5 Return On Assets:

Internship Report on NBP, Balakot branch Balakot ;!c


c
 c  c  c c   $c c   c c c  $c    c  c   c
 c c c  cc  

%c c  
c +cc

 cc#KcM  c

dable7

 c  c 
c  c c c c c

+ !c c
 c *c * c *
c *c * c * c * c

+ !cc c

c
Ñc
c + !cc
 c  c

c
c * c c
 c

raph5

) c   c c c cc c ccc c c c


c c%c  cc
c c 7 c  c$c $cc c$c$cc c$c c  c c
 c c c  $c $c   c c   c 7 c $c $c c  c  c
  ccc

5.4.6 Investment deposit Ratio:

Internship Report on NBP, Balakot branch Balakot ;5c


c
 c c  cc   cc    c
c
  c c c  
c c

%  c
 c- ÿ%  K
  c

dable8

 c 
c  c c c c c c

  c  c


c * c  * c *c * c * c  * c *c

raph6

  c cc

c
c
c
 c c
  c
c
 cc
c

c c c
Ñc

?# +c) ccc


cc c c$c  c cccc c c

 c$c $cM


c c c  cc c cc
c
"c c
 c c   c c c c $c 
c c c c c   c  c c
 cc  c*:Ecc  c
  c c $c
 c  c  cc cc c
cc cc

Internship Report on NBP, Balakot branch Balakot ;>c


c

5.4.7 Debit to Equity Ratio:

 c c  cc c  


c$c 
 c
c 
 c%c  ccc
#cc  c c c
c $c%c c  
c $c

ccc
cc
c c$c  c 
 c  $cc

 c  
c c

c
K 
7 c  $c

Internship Report on NBP, Balakot branch Balakot ;;c


c
dable9

 c 
c  c c c c c c

 2c c !"c


c *c *c *c * c * c 
* c * c

raph7

 2cc !"cc

c
Ñ
c c  2cc !"c
 c c
 c
c c c
 c

c) c c c 


c c c c c c  c  c c
  c  c c c  c
  $ccc%c::c c c cc c::!c c
   cc!5c c<>c c
cc
c c.cc 
 cc  
c cc cccc cc c
cccc 7 c  cc c c

c$cc 
 ccc

5.4.8 Debt to assets ratio+c

 c c  ccc c#cc  c  cc  


c$c
 c%c c
 
c c

c
Kc c

dable1

Internship Report on NBP, Balakot branch Balakot ;<c


c

 c 
c  c c c c c c

 2c c  c


c * c * c * c * c * c * c * c

raph8

 2cc

*
c
* c
* c
 c * c
* c  2cc
*

c

c  c c c
Ñc

 c c c
 $c
cc c c c  c c c
cc c  cc
 c ) c   c c c c cc  c c
  c  c c c  c  c
 c  cc c ccc
cc  $c c c c c  c   cc
c
  c cc"c
c
  ccc   $cc   ccccc

5.4.9 Advances deposit Ratio:

 c  c c c c  c  $c c c 


  c c
  c c  c
  cccc

%c c  
c c

M
  c
 c cLcM
  Kc
 c

dable11

Internship Report on NBP, Balakot branch Balakot ; c


c

 c 
c  c c c c c c

 c
 cc *c * c * c *c *
c *
c * c

raph9

 c cc

* c
*c
*c
 c *c
 c
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 cc
c

c c c
Ñc

) c c c 


c c c c c c c  c c  c  c / c  c c
  $c c c c 
c 
c $c  c  c
  c  $c c 
 c c
 c.c c c c  
cc#c
ccc c cccc c
 cc c $cc
 cc $c cccc

5.4.10 Assets Turnover Ratio:

c   ccc  cKccc  c cc ccc cc


 c%c c  
c 

ccKcc  c

dable12

c
c

Internship Report on NBP, Balakot branch Balakot <:c


c

 c  c 
c  c c c c c

 c ! c


c * c * c * c * c * c * c * c

raph10

 c! cc

c
Ñc
c
 c  c! c

c c
c * c c * c
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?# +c c c  c cc c  $c c cc  c   c  cc
  cccc/c c ccc c c c  c
c c c c
c
c
c  ccc c   c  c  c $c

5.4.11 Price to earning Ratio:

 c c cc c  cKc c cc c


c cc c c c
c  
c +c

 cc c Lc c cc K cc c

Internship Report on NBP, Balakot branch Balakot < c


c
dable13

 c 
c  c c c c c c

3 c c
)c
+c *c * c  * c * c * c * c * c

raph11

3 cc )c+c

c
 c
c
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c +c
c c c c

Ñc

M c ccc    c c c ccc c


  
c 
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c  ccc cc cc c   
c  c c
  c cc
 c c

) c   c c c cc ccc



c c%c cK cc   c c c
c c

5.4.12 Dividend yield:

M 
cc


c


c$cc c ccc  c

%c c  
c c

Internship Report on NBP, Balakot branch Balakot <c


c
' 

c$ 
cLc


Kc c c

dable14

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c  c c c c c

 c
 c *c *c *c *c * c * c *c

raph12

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c
c
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c  c c
c

c c c
Ñc

cIc :::c  c  c  c c  c




c $ 
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9c c  c  $c
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c cc cc  c 
c%c$c:: c   c c 
c
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c


c $ 
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c c   c c c


c c ::c c  c
 
cc!5c

) cccc c c ccc




c c   cc c::!c c cc%c c
  cc c c c
cc


c

5.4.13 Deposit growth Ratio:

 c c  ccccc


  c

Internship Report on NBP, Balakot branch Balakot <*c


c
c c c  
c cc

3c$c
  Bc  c$c
  cK  c$c
 cc

dable15

 c 
c  c c c c c c

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c *
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raph13

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*c
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c
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c c c
Ñc

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c c
 c  c c c c  c c 
c  c  c c c $c c c c

cc cc c
c c c$cc cc cc

5.4.14 Advances Growth Ratio:

 c c  ccccc


  c c c  
c ccc

3c$c
  Bc  c$c
  cKc  c$c
  c

Internship Report on NBP, Balakot branch Balakot <!c


c
dable16

 c 
c  c c c c c c

 c
04c
c *c *c *c *c *c '* c * c

raph14

 c04cc

*c

 c*c  c
04cc
c

c
'*c  c c c

Ñc

?# +c c   c


cc c c ccc cc
ccc c
  c c 
  c 0$c c ::c c c  c K c c  c 
  c c :: c 
c c

  c c::c c  ccc c   cc
  c $c

ccc  ccc c$c


c7 c$c c c
 cc ccc
c$c::!c

5.5 Predicting failure:

/cc cc
c $ccc  $cc ccc cc  $cc
c
c c ccc c cc $c cc   c$ c c c
c 5:c $ c c  c   c  c  


c 0c c  $c  c c   c

c#c$c c cc c)c ccc c 
c c cc

Internship Report on NBP, Balakot branch Balakot <5c


c
JL:: Mc:: !cc::**3cc:::>'cLc:: :?c

/c

McLcc c  c^cc  c

cLc- 
c  c^cc  c

3cLc cc  c


c#c^cc  c

'cLc   c^cc


c

?cLc& c^cc  c

c Jc c c <c  c c 


c c c  "c 
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cc c c cc cc    cc
c  c  c  c c c $ccc c cc 
c$c   c
c  c   c

%cc cc c c cc  


c cc  cc c c B
 c  cc

%cc 
c c cccc cc#ccc  $7 c B  c
c  c c #c 
c  c c c  
c  c 
 c c   c c c
 $7 c   $c
cc
c 
#c c%cc cc  7 c cc
c c  c c c  $c c c   c c
c c  c  c  c c
  $ccc  $cc c  c  cccc


 c cccBc <c

JcLc:: <>cc:: !::>cc::**:: !cc:::>: *c:: :c: c

c Lc:: :cc::::!cc::::5cc::::<cc::: cLc::  c

 c  ccc   c cc <c


c c cc 
cc c

Internship Report on NBP, Balakot branch Balakot <>c


c

5.6 Summation

/c
 
c c  c c   c $ c c c 3  c   c   "c
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c
c c
c   c c 
c c
cc c
c   c

REFERENCES

c  ccc c:::"c::!cMc-c

c Ac.c,  c3c


c,-c/  c,cc <c)  c  c
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*c  "c &$c c 


c . c 2$c Mc  !c )
  c 0c )  c
 cc  B !<c

!c /?&%?+cc

  K


 K  K  Kc. c

cccc

Internship Report on NBP, Balakot branch Balakot <;c


c

CHAPTER # 6

FINDING AND OFFER CONCLUSION

6.1 INTRODUCTION

%cc


c c   c c c c/ cc c
c c$ cc  $c
 
cc $c  c#  ccccc

Ñc  ccc c

Ñc )  c$ c

Ñc M
  c$ c

Ñc  c  7 c$ c

6.2 PROBLEMS AT THE BRANCH

6.2.1 Customer Satisfaction

%cc   c
 c c "cc
 c ccc   c cc cccc
 c c  c c %7 c  c 
c c c c   c c  c   c c c c
  
c   c

*  cc c 
c   c
c  cÑ c

' c $c   c%c 


cc  c $  cc  c cc
c/c  c
 
c c

cc c cc cc 
c cc
cccc c c 
c

6.2.3 Unequal distribution of work

/c c c  $c


 
c 0c c 
c  c  $c c c c c
$c
 c # c  c  c  c c  c c
c c c  c c $c  c
 c c $ cc c c
c
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M
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   c c    c ccc

Internship Report on NBP, Balakot branch Balakot <<c


c

6.2.4 Marketing visits

Mc c 
cc  c cc c  c  c& c  cc c
c  c 
c  c c #  c 
c  c    c c c 
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c
 cc  cc  c c c

6.3 FUNCTIONAL ANALYSIS

6.3.1 Formal Organization

) c  c  


 cc     cccc c "c cc   $c

 
c  c 
c 

c 
c c  c (  c %c 
 c  c c
c c c c   c  c "c c $c c  c  c 
c $c
c  ccc

%c"cc  
cc  c  c
c
ccc  c cc  c
c c      c c c c c   c c 

c 
c c  c (  c
c c  c   c c cccccc   c cc
cc  cc c
c cc c

%c c c  cccc     cc  


cc cc c c$c%c
 c c c
 c cc    c cccc c  c c c
c# 
c  cc $cc cc cc  c$cc cc
&Ac
c c  c cc  c c  
c $c  "c   c   cc cccc c

c  c
cccc cc    c

6.3.2 Difference between theory and practicec

Mc c
 c#  cc$c
c  c
cc c c 
cc
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c$c $ c cc c
c c c 
 c

6.3.3 Bank duty to maintain secrecy.

$c
7c cc    c   $"c  $c
 cc c c$c c

$ccc c  c
c c c  cc  cc c c

Internship Report on NBP, Balakot branch Balakot < c


c
 $cccc   c cc
cc
 c c  cc c c
 c$c  c%c c
cc c c c  cc   ccc
 ccc

6.3.4 Excessive paper work

%c c  
cc
ccc$c 
cccccc $ccc


c$c ccc cc ccc   c
c  c
   c c
 c c(c
c0c cc$c 
c
c#  ccc cc
c cc cc   
c $c

6.3.5 More accounts fewer deposits.c

? c c c"c c


 cc  cc cc  cccc
 c c
  c c c c  
c c   c  c  c c  c
   c c  c
 c c  c  c  
c c c c c
 c c 
c
  c  c c c c  c 
 c 
c
 c c c  c  $c 
c
  c

6.3.6 Delegation of authority

c  c $c  
c  $9c c  c c c c c  c  c  c
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 c c  c c c c c c c 
c  c
ccc c c 
"ccc c cc c c c "cc
  c cc cc c c
 cc   c
c  c  c
$ccc ccc

6.4 ADMINISTRATIVE ANALYSIS

6.4.1 Job analysis is not effective

0$c c c  c c (c $ c c c c




c c c  c  c c c  
"c
 
"c   
cc 
c%c c$c ccc  cccc
c (c c
  
c 
c (c     c c  
c  c c c  $ c c
c 
c 
c
c c c c  
c c  c (c  c  c

Internship Report on NBP, Balakot branch Balakot :c


c
 c c c   c 
c c c  $ c %c c   c c  c
 
ccc   $c
c
 cc c cc  #c    $c c
 cc  c $c
c    c c  c
   c c $ c

6.4.2 Carelessness in opening of account

/c   c   cccc "cc c


 cccc  c Kc cccccc
c  c 
c  c 

 c %c c c   c c  c c 


c $c
cc$ c c  c c  c c
 c c cc
 cc c c0c
cc
c c $c c 
c c$c 
c     c  cc c%c c
 ccc cc c
c  c

6.4.3 Lack of specialized training

c
 cc
c
 c   $cc   
c  cc c c  c c
 
c c c   
c M c c c    c  c   "c c c 
 
c
cc   c 
c c cc
cc
ccc 
c

%ccc "ccc$c  
c $c  c cc 
"c
$cc
c  ccc(c

6.4.4 Low Profit Rates

 ccc    c  
c c ccc c& c3c  ccc
c cc  c
 c
 cc    cc 
c   c c c
 cc c    

6.4.5 Poor job rotation.c

c c   c c (c  c c c c c  "c c Mc  c  
c c
B
 c    c  c c %c 
  c c    c  c c 
 c

c c c 
c   c c c  c ,c  c c $c c c  $c
  $c c  c c c $c   
c c $c   c 
c c 
c c c

 ccc c c


ccc  c c cc
c
  c
ccc$ccc  c  c$ccccccc $  c

Internship Report on NBP, Balakot branch Balakot c


c

6.4.6 Delays in Loan Advancement

%c  c c  


c c c c
$ c c    c c   c  c c 
c  "c
 c  c c   c
   cc

6.4.7 Lack of appreciation

Mc$c c c c c 


c ccc c  c cc $c
c c
c  c%c
cc
c  cc $ c cc  
c

c 
c$c  c
c c  c c
  c c  c

6.5 PERSONAL MANAGEMENT ANALYSIS

6.5.1 Need for better training programc


cc  c c$c  
cc
cc
c  ccc c c
c c  c   c  c %c  c c  
c c c   c  c c
c cc
 c

0 cc 

c c  
c
c 
ccc    c (c%c   c   cc
 c  c 
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c c c 
c c   c
   cc  c 
cccc 
c  
c   c   cc
cc
 B  c
c  c c c 

c
ccc $c
c   
cc c cc cc(cc   cc c 

cc  c

6.5.2 Developing Managerial Leadership

8
  c c c   c  c c  "c c c (  c 
c    c c
cc  c
c
  c  cc cc$c  cc c
c  c c  "cc c cc c c  "c   "c  c
 c

c  c 
c    c c  c  c c c (c
 c   c c
cccc
c c   $c

Internship Report on NBP, Balakot branch Balakot c


c

6.5.3 Recruitment policy

. c    c c c  


c c c   c %c c  c c   
c
$c$c c  c ccc  c cc  cc   cc   $c
c c   c c c c  c  c    c  $c $c
c c
  "c  c 
c   c  c c c c  $c 
c c  c   c
 c c  c c  "cc


 c c   c  c 

c c c c 


c c   c  
c c
 c  cc  c
c
ccccc cccc

6.5.4 Promotionsc

   c cc c$ccc cc   $"c ccc $c c  c
 c    c   c 
cc  cccc cc  c
c c c
c ccc  cc c  "c c  cc  cc
  ccc

  c  $c 


c  c   $c c  
c M c c  c c   c c
 
c  c c c  c c c     $"c c   "c c   c 
c
  
c c c $c  c c c 
c  c  $c c   c 
c c c

c

6.5.5 Transfer

 c  ccc c c  


c cc ccc c%c c
c c
c c c

c cccc ccc  c c  c $c%c cc
 $ccccc c c $c*cc!c$ c

6.5.6 Marketing at deskc

c  $c  c c
 $c  c  c $c c c c c
c  c c
 c  "c c   "c c  
$"c  "c
  c  cc
c
 $ccc   c
c $cccc c ccc cc c
cc  c   ccc $ cc
 c$c cc ccc
#c c      c c  c  c   c c c  c c  c  c
c  c c   $c 
c c c   c c c 

 c c c  c

Internship Report on NBP, Balakot branch Balakot *c


c
c c #c c      c c  c  c   c c  c c c
   cc

c c$c
 ccc
 9cc   c cc cc c
cc
ccc  c  c   c

6.5.7 Lack of business communication

c c c c $c c  c   c c  c   c c 
c  c c

   c 
c  c c c 
c c   "c 
c
  $c c c  "c c c
  

c c c c 
c 
c   c  c   c   c c

  c

& cc   c 


c c 
c c   c  c 
ccc c
c   c c c c $cc c 
cc B  c

6.6 Summation

'  
cc cc"ccc "cccc c  $c  c cc
 "c
c
c    "c c
c  ccc cc#c c
ccc  
 c
c   cc

Internship Report on NBP, Balakot branch Balakot !c


c

CHAPTER # 7

RECOMMENDATIONS & SUGGETIONS

7.1 INTRODUCTION

cc c c   $c  c 


c  c  c   c 
c $ c c  c
     c
cc   
c $  cc 
cc  c$c
$c c&cc
c "c c
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  c
c  ccc $c c c
c 
c  c  c / c c 
c  c    c c c  
c c
  c 
c   c  c  
c  c c 
 
c  c c  c c  c
 c c  c c   c c  c 
c 
$ c  
c c   c
 cc  cc     c c cc c ccc c  c   c

.c%c c  c  c    "c c c $c c c

c  c cc  $c

c c   c c c  c c   c c c 
c 3 $c  c c
 c

c  
  cc c +c

7.2 Professional training

c c  c  c$c cc  $c  cc


cc(c $c

c$cMc c  c cc (c   cc$ccc cc
)c c c c c  c 
c c 
c
c c $ c 
c c

c c  cc$cccc $c
 
ccB  cc  c
 c

 c  c c  c 


c  c   c  c  c c   c c c  c
 c

c c  c

7.3 Delegation of authority

? $ cccc 


cc cc c
c $c
c$c 
cc 
cc
 c    $c

Internship Report on NBP, Balakot branch Balakot 5c


c

7.4 Performance Appraisal

c c 


c  $c  cc  cc$c c  cMcc c

c c

c 
cc c  c
c c cc cc  cc
 
c
c  c ccc c $c

7.5 To Over Come Problem of Space and Furniture

%c c   c $ c  "c  c c


 
c c   c  c  c c c
 
c c c  c   c 
c c 
c 
c c  c / c 
c $c

c c  $c   "c   c 
c   c c 
c  c c c c

c
c c    c cc c c M c  c 
c  c c
 c
cc c c  cc$c c
 c #  c  c
c  c
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 c
 c 
c c 
c  c c  c  c  c c
   c

7.6 Transfer

 c cc$c  


cc& ccc $ cc  $c  ccc
 c c$cc $c
ccc  c cc c c  

cc
$c cc$c $c 
cc cc$cc $ c c
c
  cccc

7.7 Changes in Policies

c 
ccc$cc  c c$ccc  "c c c  c
 cc   c 
  c ccc2 c 
c cB c  c

7.8 Need of Qualified Staff

-  
"c   
c c 
cc

cc c c
cc cc   c
cc c?  $cccc 
cc 
c

Internship Report on NBP, Balakot branch Balakot >c


c

7.9 Utility Bill Charges

c  c - c c c *c c    c c   $c  "c 


c c c $c  "c c 
c 
c (c

  c  c  c   c c c  c cc - c *c 5c c   c  c  c

c c   
cc-&c :cc cccc  cc c c
 c   c

c c  c c

7.10 Link with the Head Quarter

::c (c  ccc 


c  
cc
 c c c"c
c cc

%c @  "c c %c c %c  c  c c c    c 
c
 c
 ccc  c c
c  c

7.11 Credit Card

 c cc c 


c c  c c c 
c 
c c 
cc $c
c c c 
$c   c c c 
c c   c c c  c c
c c  c  c 
c c  c c  c c "c c  c c   
c c
cc   $c  cc 
c

7.12 Installing Validator and ATM

A
c   c c  
c c c c  $c  c 
c  c   c  c c c
 cc  c c
c c c c

 c c c 
c cc3 $"c c c 
cccccc  c   c
%c ccccc   cMc cc
cccc  c c $c
 c c c ccc
c c c
c c $c  $c

7.13 Interest on Overdraft:

0
c cc B c 
c  $c

c$cccc  c $c    c
c c  c 0$c c  c c c c  c c Bc c c

"c c ccccc c  cc  cc

Internship Report on NBP, Balakot branch Balakot ;c


c

7.14 Clean Loans

3c c c c 


c c c 
c   $c #

c c c    c c c
   c c$c   $c c$ cc c c c 
ccc#

c
c $
$"c   c   c  c  c c 

c c B$
c c c c
 c
c$c  cccc
c
 c

7.15 Cash Financing

%c c 
cc   cc cc 
cc  
c$cc c c  
c
#Bc %c c   

c c c c  c c  c 
c c c c  c
 c cc  ccc cB
cc cccc
c cc

 c c$c

7.16 Decreasing Administrative Expenses

c 
c c
  c#  c c c- c<c  c cc$c:::cc
cc
c$c$ ccc  ccc $c c
c
 c  c
c  cccc  c 
c 
c cc  
c? $c c cccc
ccc#  cc c c  c  c ccc

7.17 Needs to be Flexible in credit Policy

M c  
c "cc c$c   c c
  c
c c $c%c
  c
c   c   c M c  c 
c c  c cc c   c 
c
c c  cccc cc%c 
c
c# c 
c $c c
  c 
ccc c  c

7.18 Technological Advancement

%c 
c  c c  c c c  c c c  c   c c c 
c c $c
  
c c 
c c #
c c
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c  c
   c ?$c
 c 
c c 

c c  c  c 
 c   c
  $cM
  "c'  c
c) c?# c
  ' $c 
c 
c
c
c
 $c c c   "c  
c ccc
 $c    c

Internship Report on NBP, Balakot branch Balakot <c


c
cc c c%c cc$c
 c   c "c c   c  $c
c c cc c ccc

c$c c cc  cc c c


 cc#c
cccccc
%c c cc c
 cc cc#  ccc

7.19 Staff Relationship

2
c    c  c c  c 
c c c c    c c $c
  c%c 
ccc c   c c cc cc  c c%c
 
ccc# 
cc c  $c cc c   cMc $
 c
 c cc c 
c cccc c 

c  c c c
c c& ccc  c 
cc $cc c%c c ccc
$ccc
c
c c&c c cc 
c cc
c  c c  cc c
c(  7c
   cc
cc
c
c cc
c cccc c

7.20 Improper Distribution of Work

c
  c c 
c c   c c $c   c c
  c c
c cc $c cc
c
cc  c&ccc c c
cc  cc
  ccc cc ccc
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7.21 Favoritism and nepotism

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Internship Report on NBP, Balakot branch Balakot c


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7.22 Inter Departmental Transfer

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7.23 Foreign currency Account

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7.24 Marketing Policy

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Internship Report on NBP, Balakot branch Balakot ::c


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7.25 Complaints of Customer

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7.27 Organizational Commitment

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7.29 Credit Monitoring

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Internship Report on NBP, Balakot branch Balakot : c


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7.30 Extended Banking Hours

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7.32 Avoiding Bad Debts

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Internship Report on NBP, Balakot branch Balakot :c


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7.34 Summation

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Internship Report on NBP, Balakot branch Balakot :*c


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CHAPTER # 8

IMPLMENTATION PLAN

8.1 INTRODUCTION

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8.2 IMPLEMENTATION PLAN FOR ³MARE GARE CAR FINANCING


SCHEME´

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Internship Report on NBP, Balakot branch Balakot :!c


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8.2.4 Finding out Quarterly Installments

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8.3 Implementation plan for NBP Balakot Branch, Balakot Telephone Operator´

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Internship Report on NBP, Balakot branch Balakot :>c


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8.3.1 Need/problem at the branch.

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8.3.2 Benefits of the telephone operator

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8.3.3 How the need was created

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8.3.4 ACTION/IMPLEMENTATION PLAN COST

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Internship Report on NBP, Balakot branch Balakot :;c


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8.4 Summation

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Internship Report on NBP, Balakot branch Balakot :<c