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Executive Summary 04
President Message 05
History And Background 05
Vision 07
Mission 07
Core Values 07
Goals 07
Corporate Banking 09
Board of Directors 09
Senior Management 10
NBP Domestic Branches 11
NBP Regional Branches 12
NBP Overseas Branches 12
NBP 2007 Initiative 13
Retail Banking 13
Commercial Banking 14
SME 14
Human Resource 15
Credit And Risk Management 15
Special Assets Management Operations 15
Information Technology 16
Agriculture 16
Deposits 16
International Operations 16
Islamic Banking 16
Credit Rating 16
Market Recognition 17
Social Responsibility 17
Risk Management Framework 19
Awards And Achievements 20
Products Of National Bank Of Pakistan 22
Premium Amdani 22
Monthly Income Scheme 22
NBP Karobar Mera Apna Karobar 23
NBP Saibaan 23
NBP Advance Salary 23
NBP Cash Card 23
NBP Investor Advantage 23
NBP Cash And Gold 25
NBP Student Loan Scheme 25
NBP's Internet Based Home Remittances Service 27
NBP Islamic Banking 28
NBP Corporate Treasury 29
International Banking Services 31
Trade in Finance other Business Loans 33
Corporate Finance 34
Civil Lines Branch Gujranwala 35
Department Of Government Section 35
Types Of Accounts 37
SWOT Analysis 42
Practical Experience 43
Clearing Section 43
Accounts Department 50
Foreign Exchange Section 52
3
Billing Section Department 54
Credit Department 55
Human Resource Department ( Job Duties List) 60
Categories of Branches 72
Responsibilities 72
Responsibilities of Branch Manager 72
Responsibilities of Operation Manager 73
Responsibilities of Credit Administration Officer 73
Responsibilities of Compliance Officer 74
Responsibilities of Relationship Officer 75
Responsibilities of Relationship Manager 76
Responsibilities of Credit Officer 76
Responsibilities of Customer Facilitation Officer 76
Fraud Prevention, Detection And Reporting 77
Banker Customer Relationship 78
6 Years Performance at a Glance 80
Notice of 60th Annual General Meeting 81
Problems Found During The Internship 83
Suggestions & Recommendations 84
Tips to deal with customer 84
Glossary 89
Bibliography 91
4
1
c 
+#$'!+.+!2'(+2$"#+!is the largest commercial bank operating in Pakistan . Its
balance sheet size surpasses that of any of the other banks functioning locally. It has
redefined its role and has moved from a public sector organisation into a modern
commercial bank. The Bank's services are available to individuals, corporate entities and
government. While it continues to act as trustee of public funds and as the agent to the
State Bank of Pakistan (in places where SBP does not have a presence) it has diversified
its business portfolio and is today a major lead player in the debt equity market, corporate
investment banking, retail and consumer banking, agricultural financing, treasury
services and is showing growing interest in promoting and developing the country's small
and medium enterprises and at the same time fulfilling its social responsibilities, as a
corporate citizen.
In today's competitive business environment, NBP needed to redefine its role and shed
the public sector bank image, for a modern commercial bank. It has offloaded 23.2
percent share in the stock market, and while it has not been completely privatized like the
other three public sector banks, partial privatization has taken place. It is now listed on
the Karachi Stock Exchange.
National Bank of Pakistan is today a progressive, efficient, and customer focused
institution. It has developed a wide range of consumer products, to enhance business and
cater to the different segments of society. Some schemes have been specifically designed
for the low to middle income segments of the population. These include ‘

‘

 ‘
‘
‘


It has implemented special credit schemes like small finance for agriculture, business and
industries, administrator to Qarz-e-Hasna loans to students, self employment scheme for
unemployed persons, public transport scheme. The Bank has expanded its range of
products and services to include Shariah Compliant Islamic Banking products. For the
promotion of literature, NBP recently initiated the  
  
. NBP will confer annual awards to the best books in Urdu and in all
prominent regional languages published during the defined period. Patronage from NBP
would help creative work in the field of literature. The Bank is also the largest sponsor of
sports in Pakistan . It has provided generously to philanthropic causes whenever the need
arose.
It has taken various measures to facilitate overseas Pakistanis to send their remittances in
a convenient and efficient manner. In 2002 the Bank signed an agreement with Western
Union for expanding the base for documented remittances. More recently it has started
Electronic Home Remittances Project. This project introduces technology based system
to handle inward remittances efficiently, by ensuring that the Bank's branches keep a
track of the remittance received from abroad till its final receipt.
This report is based on internship in National Bank of Pakistan Civil Lines Branch
Gujranwala. It is a famous and reputed bank of Pakistan. National Bank of Pakistan
maintains first position in banking sector in Pakistan. This report is based on the activities
which are performed in this bank. This report contains functions of Bills and Clearing
department, Account Opening, Government section, Credit Department, SWOT analysis,
bank tariffs and exchange rates of National Bank of Pakistan. There are also stated the
activities which I performed during my internship in the branch. There are also
mentioned the way of investment, rates of investment, all types of financing and loans
facilities the National Bank of Pakistan provides. The problems in this branch are also
discussed.
5
)&"$3&!#&""+/&
It gives me great pleasure to present on behalf of the
Board of Directors, annual accounts of the bank for the
year ended December 31, 2007 . NBP continued its
journey of success based on our strategy of serving
clients better«. a company agile enough to take
advantage of its unique domestic and international
footprint, capitalizing on the largest balance sheet and
customer base in Pakistan with high cross sell potential.
Our standalone AAA rating (the highest in the
industry), our ROE, which is amongst the highest in the
Asian Banking industry, and our comfortable capital
adequacy ratios, position us well in front of our
competitors for future growth.
Year 2007 has been yet an outstanding year with the
bank recording the highest profit in its history. Our
wide range of product offering, large branch network
and committed workforce are some of our fundamental
strengths that enabled us to achieve exceptional results
in a very competitive market. The pre-tax profit
increased to Rs. 28.06 billion, an increase of 6.6% over
last year. Earning per share jumped by over 11.6%
from Rs. 20.88 in 2006 to Rs. 23.34 in 2007. Pre- tax
return on equity stood at 45.9%, whereas pre-tax return on assets stands at 4.1% and cost
to income ratio of 0.30 remained one of the highest in the sector. These results were
possible despite the fact that NBP had to make additional provision of over Rs.3 billion
as a result of withdrawal of Forced Sales Value (FSV).This year NBP also availed the
offer by Government of Pakistan to redeem up to 10% of its holding in NIT units held by
the bank under Letter of Comfort (LoC) arrangement, this sell off resulted in a Capital
gain of Rs. 1.8 billion. Increase in pre-tax profit was achieved through strong growth in
core banking income. Net Interest income increased by Rs. 3.5 billion (11.5%) due to
better yields and volume driven growth spurred by increase in consumer loan portfolio.
Dividend income and Capital Gains also made a healthy contribution as it increased by
Rs. 371 million and Rs. 1,145 million over 2006 respectively mainly owing to higher
dividends from NIT Units as well as Capital gains recorded on sell of 10% NIT Units.
Advances increased by Rs. 25 billion due to impressive contribution by all business units.
Deposits increased by a healthy Rs. 90 billion or 18% over last year. The bank's NPL
provision coverage ratio also stands at an impressive 84%.
c
   

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Banks plays very important role in the economic life of the nation. The growth of the
economy is closely related to the soundness of its banking system. Although banks create
no new wealth but they borrow, exchange and consume wealth. In this way, they become
very effective partners in the process of economic development. Modern banks are very
useful for the utilization of the resources of the country.
National Bank of Pakistan (the Bank) was established on '5&*6&)7897:7under the
National Bank of Pakistan Ordinance, 1949 in order to cope with the crisis conditions
which were developed after trade deadlock with India and devaluation of Indian Rupee in
1949. Initially the Bank was established with the objective to extend credit to the
agriculture sector. The normal procedure of establishing a banking company under the
Companies Law was set aside and the Bank was established through the promulgation of
an Ordinance due to the crisis situation that had developed with regard to financing of
jute trade. The Bank commenced its operations from '5&*6&);897:7at six
6
important jute centers in the then East Pakistan and directed its resources in financing of
jute crop. The Bank¶s Karachi and Lahore offices were subsequently opened in
December 1949.
+#$'!+.+!2'(+2$"#+!is the largest commercial bank operating in Pakistan . Its
balance sheet size surpasses that of any of the other banks functioning locally. It has
redefined its role and has moved from a public sector organization into a modern
commercial bank. The Bank's services are available to individuals, corporate entities and
government. While it continues to act as trustee of public funds and as the agent to the
State Bank of Pakistan (in places where SBP does not have a presence) it has diversified
its business portfolio and is today a major lead player in the debt equity market, corporate
investment banking, retail and consumer banking, agricultural financing, treasury
services and is showing growing interest in promoting and developing the country's small
and medium enterprises and at the same time fulfilling its social responsibilities, as a
corporate citizen.
In today's competitive business environment, NBP needed to redefine its role and shed
the public sector bank image, for a modern commercial bank. It has offloaded 23.2
percent share in the stock market, and while it has not been completely privatized like the
other three public sector banks, partial privatization has taken place. It is now listed on
the Karachi Stock Exchange.
National Bank of Pakistan is today a progressive, efficient, and customer focused
institution. It has developed a wide range of consumer products, to enhance business and
cater to the different segments of society. Some schemes have been specifically designed
for the low to middle income segments of the population. These include ‘

‘

 ‘
‘
‘


It has implemented special credit schemes like small finance for agriculture, business and
industries, administrator to Qarz-e-Hasna loans to students, self employment scheme for
unemployed persons, public transport scheme. The Bank has expanded its range of
products and services to include Shariah Compliant Islamic Banking products. For the
promotion of literature, NBP recently initiated the  
  
. NBP will confer annual awards to the best books in Urdu and in all
prominent regional languages published during the defined period. Patronage from NBP
would help creative work in the field of literature. The Bank is also the largest sponsor of
sports in Pakistan . It has provided generously to philanthropic causes whenever the need
arose.
It has taken various measures to facilitate overseas Pakistanis to send their remittances in
a convenient and efficient manner. In 2002 the Bank signed an agreement with Western
Union for expanding the base for documented remittances. More recently it has started
Electronic Home Remittances Project. This project introduces technology based system
to handle inward remittances efficiently, by ensuring that the Bank's branches keep a
track of the remittance received from abroad till its final receipt.
A number of initiatives have been taken, in terms of institutional restructuring, changes in
the field structure, in policies and procedures, in internal control systems with special
emphasis on corporate governance, adoption of Capital Adequacy Standards under Basel
II framework, in the up gradation of the IT infrastructure and developing the human
resources.
National Bank of Pakistan has built an extensive branch network with 1250 branches in
Pakistan and operates in major business centre abroad. The Bank has representative
offices in Beijing , Tashkent , Chicago and Toronto . It has agency arrangements with
more than 3000 correspondent banks worldwide. Its subsidiaries are Taurus Securities
Ltd, NBP Exchange Company Ltd, NBP Capital Ltd, NBP Modaraba Management
Company Ltd, and CJSC Bank, Almaty , Kazakhstan . The Bank's joint ventures are,
United National Bank (UK), First Investment Bank and NAFA, an Asset Management
Company (a joint venture with NIB Bank & Fullerton Fund Management of Singapore).
The Bank's financial performance has been remarkable. In 2006, total assets are estimated
at Rs635 billion, while deposits have grown to nearly Rs502 billion. Pre-tax profit rose to
Rs26 billion. Earnings per share have jumped to Rs24.01 in 2006. The increase in profit
was achieved through strong growth in core banking income. Interest income increased
by Rs10 billion through growth in the loan portfolio as well as increase in spreads.
7
Advances increased by Rs48 billion to Rs316 billion. The Bank maintains a sound loan
portfolio diversified in nature to counter the risk of credit concentration. It ranges from
providing credit to the un-banked market segment under NBP Karobar, to small and
medium enterprises, to agricultural loans, to large corporate customers.
National Bank has earned recognition and numerous awards internationally. It has been
the recipient of   !2001, 2002, 2004 and 2005 Award by The Banker
Magazine,  "# #  $$
 for 2004, 2005, 2006 and 2007,
Global Finance, %##&   %
 for the year 2005, Global
Finance, % 
± 2005 for NBP's services in the agriculture field. It is
listed amongst the Region's largest banks and also amongst the largest banks in South
Asia 2005, The Asian Banker. It has also been presented a Recognition Award ±± 2004
for having a 
&#%by WEBCOP AASHA besides other awards.
$"$'!
To be recognized as a leader and a brand synonymous with trust,
highest standards of service quality, international best practices and
social responsibility.
$""$'!
‘



 
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Institutionalizing a merit and performance culture
Creating a distinctive brand identity by providing the
highest standards of services
Adopting the best international management practices
Maximizing stakeholders value
Discharging our responsibility as a good corporate
citizen of Pakistan and in countries where we operate
')&5+.%&"
Highest standards of Integrity
Institutionalizing team work and performance
culture
Excellence in service
Advancement of skills for tomorrow¶s challenges
Awareness of social and community responsibility
Value creation for all stakeholder
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To enhance profitability and maximization of share through
increasing leverage of existing customer base and diversified range of
products.
8
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NBP further consolidated its position as one of the top players
in corporate and investment banking of the country in 2007
and has built a strong customer relationship with the premier
Corporate clients.
|
 
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Hasrat Mohani Road
Karachi .
Tel : 021- 9217108-109
Fax: 021- 9217113
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Islamabad .
Tel : 051- 9206696
Fax: 051- 9203923
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Shahrahe- Quiad-e- Azam Rd, Lahore
Tel : 042/9211686-9211674
Fax : 9211286
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Tel : 042/9203149-50 , 9203167
Fax: 9203168 -7571030
9
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Chairman & President
Mr. S. Ali Raza is the Chairman, President and Chief Executive Officer of
National Bank of Pakistan, the largest Commercial Bank of the country. Mr.
Raza is a graduate of the London School of Economics and M.Sc. in Adm.
Sciences. Before joining the National Bank of Pakistan in July 2000 as the
Bank's President, he held a key management position as Regional Manager, Pakistan,
Middle East and North Africa at the Bank of America (BOA).
--------------------------------------------------------------------------------
)$2+!3+)+0+#+*+.$
Director
Mr. Sikandar Hayat Jamali is a retired Government Servant. He did his Senior
Cambridge from St. Francis Grammar School Quetta, and Higher Senior
Cambridge from the Aitchison College Lahore and graduated from
Government College Lahore. He has done an M.A. in History (Gold Medalist)
from the Punjab University and M.A. in Public Policy and Administration
from the University of Wisconsin (USA). He is also an M.A. in Area Studies (Middle
East and North Africa) from the University of London.
--------------------------------------------------------------------------------
$+!+%"+)+*&&3
Director
Mian Kausar Hameed, is an MBA from IBA, Karachi. His experience
includes Manufacturing, Retailing, Marketing, Management, HR, Training
and Teaching at various levels in various organizations for 38 years after his
education. He has worked with reputed national and international
organizations as Regional Manager, Managing Director/CEO, Management
Consultant, Resident Director, Member and Chief Operating Officer. He
addressed international conferences on Sugar and Ethanol and was speaker
in workshops and seminars on CDM and Carbon Finance. He has written several papers
on CDM, Ethanol, Agriculture in Pakistan, Trends in Management and HR Development.
)c6)+) %*#+>
Director
Mr. Ibrar A. Mumtaz is a Businessman. He was born in 1947 and comes
from a prominent business family of Lahore. He was educated at Aitchison
College, Lahore, F.C. College, Lahore and the Institute of Business
Administration, (I.B.A) University of Karachi. After completing his
education he joined his family business in 1968, namely the Fazal Din¶s
Group of Companies comprising of Fazal Din & Sons (Pvt) Ltd., Lahore
Chemical & Pharmaceutical Works (Pvt) Ltd., Medipharm (Pvt) Ltd., Fazal
Din¶s Pharma Plus (Pvt) Ltd. and Medequips.
--------------------------------------------------------------------------------
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+)$?$)*+!$
Director
Soon after completing his Masters in Business Administration (MBA) Mr.
Kirmani embarked upon a rewarding career, starting with a multi-national
Oil Company (Caltex later Chevron Pakistan) in 1969 and worked for seven
years in the United States of America, United Arab Emirates and Australia
in different senior management positions in Marketing Operations and
Finance. In 1991, Mr. Kirmani became the first Pakistani to be elected as a
Company Director of the mentioned multi-national company.
10
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Director
Mr. Mohammad Ayub Khan Tarin is a government official. He is an MBA from
Western Michigan University, USA. At present, he is working as Additional
Finance Secretary (Budget), Ministry of Finance. He possesses 31 years
experience in the fields of Financial Management, Budgeting, Accounting,
Auditing including Performance Auditing & Public Administration.
--------------------------------------------------------------------------------
)"+!$0+-+-$3 +"&&*
Director
Mrs. Haniya Shahid Naseem is an MBA with more than fifteen years
experience of working in the education, social, industrial and agriculture sectors
of Pakistan. She has served for 5 years on the Board of a textile company,
having a turnover of more than one Billion Rupees. Presently she is actively
involved in the administration of Pakistan Public School Multan. She is a
progressive agriculturist and actively participates in the management of her
family¶s agricultural farms. She is a member of the Multan Chamber of
Commerce and Industry, and is also on the guest faculty of IBA, Multan.
--------------------------------------------------------------------------------
)2-.+? -*&3
Secretary Board of Directors
Mr. Ekhlaq Ahmed, EVP is the Company Secretary of the Bank and also the
Secretary of Credit & Operations Committees. He is M.A. (Economics) from
Rajshahi University, Bangladesh (former East Pakistan). He is a Diplomaed
Associate Institute of Bankers, Pakistan (DAIBP) and secured overall 1 st
position in order of merit and won Muslim Commercial Bank Prize in the
subject of ³Foreign Trade & Foreign Exchange´. He is an Associate of
Institute of Corporate Secretaries of Pakistan (ACIS). He is also a ³Certified
Director´ on the panel of Pakistan Institute of Corporate Governance (PICG)
since November, 2007. Mr. Ekhlaq Ahmed is the first senior executive of the Bank who
has achieved the status of ³Certified Director´.
--------------------------------------------------------------------------------
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2) Hyderabad
3) Jacobabad/ Shikarpur
4) Karachi
5) Larkana
6) Mirpurkhas/ Badin
7) Nawabshah/ N' Feroze
8) Sukkur/ Khairpur
9) Tharparkar
  
1) Bahawalpur
2) D.G. Khan/ RYKhan
3) Faisalabad
4) Gujranwala
5) Sialkot/ Narowal
6) Islamabad
7) Jhang
8) Jhelum/ Gujrat/ Chakwal
9) Lahore
10) Multan/ Baha'nagar
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12) Rawalpindi
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4. Larkana 5. Sukkur 6. Quetta
7. Gawadar 8. Lahore (Central) 9. Lahore (East)
10. Gujranwala 11. Sialkot 12. Faisalabad
13. Jhang 14. Sargodha 15. Multan
16. Bahawalpur 17. Dera Ghazi Khan 18. Sahiwal
19.Federal Capital Islamabad 20. Rawalpindi 21. Jhelum
22. Gujrat 23. Peshawar 24. Mardan
25. Dera Ismail Khan 26. Abbottabad 27. Muzaffarabad (A.K.)
28. Mirpur (A.K.) 29.Gilgit (sub-region)
  
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The Corporate Banking Group achieved excellent results in 2007 with a number of
landmark transactions in cement, energy, communication and fertilizer sectors. In
addition to the funded income, our corporate and investment banking has substantially
increased its fee base income this year by being the lead advisor in a number of
transactions in the Corporate world of Pakistan .
The challenges to corporate business in year 2007 were manifold including reduction in
Private Credit Investment as a result of slowing down of economy as well as rising
interest rates. The increasing pressure on the textile industry reduced the lending to this
sector. In addition the bank's corporate loans yields also faced pressure as substitute form
of funding sources are available in the market in form of Islamic financing, mutual funds,
issuance of debt instruments like TFCs and Bonds and the Capital markets.
Despite these threats and challenges at NBP, our corporate team not only increased the
volume as well as the yield of the loans they also maintained a strong franchise with the
leading Pakistani corporate so as to ensure that NBP not only maintains its market share
but is in a position to meet any challenges in future. NBP during the year also
participated in a number of TFC issues and mutual funds subscriptions thereby increasing
the overall yield on investment portfolio.
NBP has the largest equity portfolio in the banking sector primarily due to 27% holding
in NIT units, the largest mutual fund in Pakistan . During the year the bank redeemed
10% of its NIT holding covered under LoC, which resulted in capital gain of Rs. 1.8
billion.
&#+$.+!2$!/
NBP +)'6+)under the B)&"$3&!#C" ,-&*&Drecorded excellent growth
after its full launched in April 2007. This was a unique product launched to tap into the
un-banked and actually the so far un-bankable poor people of Pakistan targeted towards
the unemployed youths aged between 18 to 45 years. This product not only serves the
bank's commercial strategy but is also an effort towards poverty alleviation in the
country. It is a unique Public ± Private Partnership with GOP paying 50% of the mark-up
(the rest is paid by the customers), as well as providing free life and disability insurance
to the NBP B+)'6+)Dcustomers and sharing the losses with the bank. The portfolio at
year end was over Rs.2 billion. The target is almost 1.8 million customers in the next five
years. There are exciting new incomes generating products in the pipeline to achieve the
targets of NBP. The income generation targeted is in excess of ten thousand rupees net
per month for each customer. The bank plans on disbursing almost Rs. 100 billion which
will touch the lives of almost thirty million citizens.
Housing is every citizen's birth right. It is a known fact that the Mortgage Business drives
approximately 100 different sectors and thus is one of the driving forces in boosting the
economy of a country. In line with this, NBP's Mortgage Financing Product, under the
brand of NBP +$6++!, has been fully launched throughout Pakistan in 2007, catering to
both the urban and rural areas of the country. In 2007, NBP +$6++!has been the market
leader in housing finance as the overall disbursements were at an average of
approximately Rs. 350 million each month, which is by far ahead of the competition. As
on December 31st 2007 the total NBP Saibaan portfolio stands at Rs. 9.35 billion. Thus
NBP +$6++!has become the leader amongst the top five Banks of Pakistan in
Mortgages. Pakistan has a massive backlog of over 6 million housing units, where in the
country needs about 0.6 million additional units every year. A supply of 0.3 million units
per year exists only. A back log of 0.3 million additional units is added to the existing 6
million every year. In 2008, we intend to cater to this housing demand significantly by
targeting all segments of the population nationwide.
The flagship  35+!,&+.+)0product continued to grow in 2007 and maintained its
position as the single largest product in the country with its accumulated disbursement
crossing Rs.115 billion. The number of organizations whose employees are entitled to
14
avail this scheme is gradually being increased ensuring continued growth. The latest
addition is the Pakistan Army and the target is almost half a million new customers in the
next three years in addition to the existing base of one million satisfied customers
approximately. Our retail banking is expanding its reach to its diversified customer base
by offering new services and products through new delivery channels so as to minimize
counter traffic, increase product offering and reduce administrative costs.
The development of alternate delivery channels, use of I.T. and leveraging large customer
base for cross selling potential are the key strategies of NBP for increasing its retail
business. NBP holds 16% market share in the consumer loan business and we aim to
increase it gradually without compromising on the quality of portfolio. Our ,+..,&!#&)is
a value addition in customer services and provides overall support to our retail products.
It is a unique technology as it is not service provider specific and free calls can be made
to the NBP ³Help Line´ on 0800 800 80 from any land or cell phone in the country.
; '**&),$+.+!2$!/
We plan to establish commercial centers across the country looking at the business
potential in the area, size of the branch and its capabilities to deliver the desired service in
order to attract quality customers. The objective is to target the untapped sectors and
provide them professional quality service, through one window operations and
Relationship Managers stationed at those centers. We expect and hope to reduce the turn
around time and become more competitive and market oriented. Further this customer
friendly and dedicated set up at convenient locations would help in improving the image
of the Bank as well. These Centers would work in conjunction with the existing set±up of
Commercial Lending done throughout the NBP branch network. The main purpose of
these centers is to generate ancillary business in addition to funded and non-funded
facilities, with quick turn around time in decisions for customer satisfaction.
 
Small and Medium Enterprises (SMEs) remain the main area of focus for NBP and are
considered the future growth driver. The growth of SME is important as they generate
higher yields and are expected to be a high growth sector in the near- term. The services
available to SMEs are similar to those provided to our Corporate / Commercial
customers, including, but not limited to working capital finance, term lending, trade
finance, letter of credits and guarantees. Our growth strategy for SMEs revolves around
developing a better understanding of the SME market, increasing market penetration
through our existing products and newly tailored ones, and increasing our capacity to
provide SME-specific services to our clients. The bank is engaged with Shore Bank
International (SBI) in a technology as well as Technical Assistance agreement. The
objective of which is to establish more effective SME lending at a select number of NBP
branches. These techniques (including cash-flow based assessment) are institutionalized
through an extensive staff training process. The pilot phase of the project (confined to
selected Regions of Punjab) culminated in December 2007 and overachieved most of the
pre-defined targets. More than PKR 1.6 billion in loans has been disbursed to over 811
undocumented businesses while maintaining an NPL rate of less than 2%. After the
success of the pilot project, NBP has decided to engage the services of SBI to roll out the
Technical Assistance on a national scale, covering 200 branches in Sindh, Punjab and
Balochistan in the next two years.
: %*+!&"'%),&
For NBP the dedicated, hardworking staff is one of the key strengths of the bank. NBP
has been investing in developing this valuable resource through need based training and
career growth development. Our HR objective is to become an employer of choice and to
maintain complete industrial harmony within the institution.
Our new hiring of top class MBAs as +!+/&*&!#
)+$!&&(($,&)"(MTOs) and
search for talent within the bank has helped in preparing second and third tier leadership
15
lines which will shape our succession planning process and at the same time will ensure
that with the passage of time our employee refinement and skill enrichment program
continues. We also have started new µEmployee Communication Program' and internal
organizational magazine to improve the interaction of top and middle level management
with the lower management. Female employees are being encouraged through female
empowerment program under which they are given responsible and challenging
assignments. Currently over 60 females are employed as branch managers all over the
country and some females hold senior management positions.
E )&3$#+!3$"2+!+/&*&!#
NBP is continuously upgrading its risk management process to identify, evaluate and
manage risk. During the year the bank established an Operational Risk Management Unit
to supplement its already established Credit and Market risk units for comprehensive risk
managements. Our risk management in terms of adoption of Basel II guidelines is on
time and is advancing smoothly with completion of internal gap analysis. Our Credit
Management System is based on elaborated risk assessment and Credit Rating System to
ensure a very objective and timely assessment of each proposal. We have our internal
filtration systems and approval hierarchy to ensure that proper authority and
responsibility is established and at the same time to reduce the lead processing time of the
credit application. We have proper monitoring system and have also setup a separate
Credit Administration Department (CAD) to further improve our credit monitoring
function.
 <&,$+. ""&#"+!+/&*&!#
With a provision coverage of 84% we believe that going forward our Special Assets
Management Group will make major contribution towards the Bank's profitability
through recoveries and reversal of provision charge as a result of declassification /
rescheduling. We have revamped our special assets management business and have
coordinated our efforts to expedite recoveries and settlements.
A <&)+#$'!"
We are committed and focused towards good quality customer service and in 2007 with
the motto of ³Putting a smile on our Customer's face.´ We made concerted efforts and
took a number of initiatives. Workshops and seminars were conducted to disseminate the
very important message of ³Excellent Customer Service´. We are transforming our
branches to give a modern look and convenience. A number of branches have been
shifted to prominent and spacious locations. We also have established specialized
customer facilitation centers to exclusively cater to pension payments, utility and
government collections. These are expected to reduce counter traffic at our branches and
will increase our distribution channels for better and convenient services. Business hours
have been extended with establishment of customer facilitation offices at the regional
levels to help on the spot resolution of customer complaints.
 c!(')*+#$'!
&,-!'.'/0
Today banking is becoming more and more mechanized and it is the I.T. support that can
improve the customer services and reduce cost at the same time. At NBP we have
elaborated plans for transformation of the entire I.T. architecture of the bank by
implementing core banking solutions. The said technology will not only increase our
distribution capabilities by many folds but will also simplify our internal procedures
thereby reducing the transactional cost and lead time for service. NBP has started a
number of projects in relation to I.T. structure up-gradation.The bank is expanding its
ATM network and connectivity to further expand our reach to the customers. This year
we completed our automation of the government's tax collection services thereby opening
16
new opportunities for such services on behalf of other organizations. NBP is also looking
into other I.T. products for salary and pension disbursement and E-banking for better
services
7  /)$,%.#%)&
NBP remains the largest agriculture lender in the banking sector in Agriculture with
approximately 300,000 borrowers and gross disbursement of Rs. 32 billion during the
Financial Year 2006-2007. Our vast domestic branch network having 45% branches in
rural areas and unique product offering under the banner of Kisan Dost provides us
competitive edge over our peer banks. Our specialized Agriculture, Field Officers, being
Agriculture graduates are trained to understand the needs and limitations of our
borrowing farmers as well as versed with the latest trends in Agriculture production
technology providing technical guidance and specialized services to our customers.
9 &<'"$#"
NBP is the largest bank in terms of deposit. Our large clientele and confidence of our
depositors belonging to all walks of life is a major strength. We have shown appreciable
growth of 18% in deposits on YoY basis, which is significant from the view point that
with the consolidation in the banking sector competition for deposits is ever increasing.
We are branding our liability products and will continue to develop new liability side
products for continuing our leadership position in this business. This year we introduced
three new liability products; NBP Premium Saver account, NBP Premium Amdani
account and NBP Enhanced Saver account. These schemes have received excellent
response from the customers and we expect healthy growth in future under these and new
products that the bank is going to launch on the liability side. Given the large base and
competition in the banking sector, the bank's performance is commendable in increasing
its deposits by Rs. 90 billion especially low cost deposits.
99 c!#&)!+#$'!+.<&)+#$'!"
NBP has the largest international franchise in terms of Assets. We are present in four
continents and have branches in all the countries that are major trading partners of
Pakistan. Our unique coverage of Central Asia, Far East and South Asia is incomparable
and we will be the major benefactor once the trade business from the Energy rich Central
Asian Republics picks up. The bank is planning to start its operations in Saudi Arabia
(mid 2008) and further expand its branches in Afghanistan and Bangladesh . The bank's
international operations strategy is focused towards increasing trade business and
expands where the bank has competitive advantage.
9; c".+*$,+!2$!/
The year 2007 marked the first year of Islamic Banking operations. During the year under
review, in addition to active participation in various Sukuk transactions, two more
Islamic Banking branches at Lahore and Peshawar started operations. NBP's plans for the
year 2008 include opening of Faisalabad and Rawalpindi branches with the focus on
growing organically by opening more standalone Islamic Banking branches, utilizing
NBP's existing branch network of 1,200 plus conventional branches and looking into
strategic acquisitions for expansion in this field.
9 )&3$#+#$!/
Moody's maintained NBP's financial strength rating at D-thereby recognizing the internal
strength and leadership position of the Bank. In addition, NBP also enjoys the highest
Credit Rating amongst Pakistani banks; JCR-VIS Credit Rating Co. Limited awarded
highest standalone Credit Rating of AAA to NBP. The JCR-VIS Credit Rating Co.
comments about NBP says a lot about the bank: ³The organization has been able to
17
strategically manage and build on its competitive advantages which has translated into
the strong and well managed improvement in profitability trend observed over the last
few years, a substantial balance sheet of sound asset quality, and strong liquidity and
capitalization levels.´
9: +)2&#&,'/!$#$'!
In addition to the highest Credit Rating in the banking sector NBP is exultant to receive
several awards from both local and foreign institutes of repute. NBP in year 2007
received the award for Best Return on Capital for 2006 amongst all banks in Asia by
µBankers Magazine' in July 2007. Mr. Ali Raza, Chairman & President was awarded
³The Asian Banker Leadership Achievement Award 2007´ by Asian Banker in 2007. The
Asian Banker has adjudged NBP as the Strongest Bank in Pakistan. Our investment in
technology and Rating Co. Limited
9E ',$+.&"<'!"$6$.$#0
NBP fully recognizes its responsibility towards society in general and towards promotion
of sports in the country in particular. The organization has always contributed towards
worthy causes and has donated generously in case of natural calamities. Our focus is
towards the promotion of sporting activities in the country and we are giving our
patronage for the promotion of national game of hockey. To promote healthy sports
activity in the country NBP has built a state-of-the-art sports complex at Karachi.
While we concentrated on achieving our financial targets, we did not lose sight of the
future and its challenges. We continue to invest in our man power training and upgradation
of I.T. infrastructure. Although in the short run this will result in an increase in
our administrative and capital expenditure but in the long run will increase our efficiency
in terms of real cost reduction and increased product offering. In future we need to invest
heavily into I.T. to bring further improvement in our service standards and also to reduce
our transaction costs.
Our future envisions expansion in terms of geography, clientele and products. We are
setting our eyes towards excelling amongst banks of the South Asian Region and would
like to improve even further on our rankings both domestically and regionally. Our
investment in technology and human resource will continue to prepare us for the future
challenges. Customer will be the centre of our focus to become the µBank of Choice' for
Customers. We will continue to redesign, improve our existing products and introduce
new products / services to better serve our clients.
We are going to capitalize on our strengths of potential to cross sell, introduction of new
delivery channels, and organic as well as strategic expansion through acquisition. We will
focus on effective deployment of our capital to further enhance our earning potential and
will continue to tap into un-banked areas through our micro finance and SME products.
We will not only maintain our leadership position in deposits, treasury operations and
Capital market but will introduce new structured products for our upscale corporate
clients. While our front office strategy is penetration and sustenance of our business, our
back office strategy is modernization, cost rationalization, strong internal controls and
conformity with compliance standards. Finally we extend our appreciation to the bank's
staff for their commitment, dedication and hard work in achieving these excellent results.
We would like to express our sincere reverence to the Board Members whose valuable
guidance has always enlightened us in our decision making. Finally we would like to
express our appreciation to our stakeholders, regulators and our valued customers for
their support and continued confidence in NBP.
a

   
 

a  a


Ô 
 
The Board is fully aware of its responsibilities established by the Code of Corporate
Governance issued by the Securities & Exchange Commission of Pakistan (SECP). The
18
Directors are pleased to give the following declarations / statements to comply with the
requirements of the Code.
The financial statements (Balance Sheet, Profit & Loss Account, Cash Flow
Statement, Statement of Changes in Equity and notes forming part thereof),
prepared by the management of the bank give the information in the manner so
required and respectively give a true and fair view of the state of the bank's affairs
as at December 31, 2007 and of the results of its operations, changes in equity and
its cash flows for the year then ended. Proper books of accounts have been
maintained.
Appropriate accounting policies have been consistently applied in the preparation
of the financial statements and accounting estimates are based on the reasonable
and prudent judgment.
The International Financial Reporting Standards, as applicable in Pakistan have
been followed in preparation of the financial statements and departure there from,
if any has been adequately disclosed.
The system of internal control is sound in design and has been effectively
implemented and monitored throughout the year. The Board is responsible for
establishing and maintaining the system of internal control in the bank and for its
ongoing monitoring. However, such a system is designed to manage rather than
eliminate the risk of failure to achieve objectives, and provide reasonable but not
absolute assurance against material misstatements or loss.
The process used by the Board to review the efficiency and effectiveness of the
system of internal control includes the following:
The Board has formed various committees comprising of non-executive
directors.
Internal audit department of the bank conducts the audit of all branches,
regions and groups at Head Office level on ongoing basis to evaluate the
efficiency and effectiveness of internal control system and proper follow up of
irregularities and control weaknesses is carried out.
The Board receives confirmations / representations from all group and
regional heads on annual basis confirming effectiveness of the internal control
system established and maintained by them within their function.
The principal features of the bank's control framework include:
The bank has clearly defined organizational structure, which supports clear
lines of communications and reporting relationships.
There exists a properly defined financial and administrative power of various
committees and key management personnel, which supports delegations of
authority and accountability.
The bank has effective budgeting system in place. Annual budget of the bank
is approved by the Board and monthly comparisons of actual results with the
budget are prepared and reviewed by the senior management.
The bank has a comprehensive framework of written policies and procedures on
all major areas of operations such as Credit, Treasury Operations, Finance,
Internal audit and compliance approved by the Board.
19
There are no significant doubts about the bank's ability to continue as a going
concern.
There has been no material departure from the best practices of the corporate
governance as detailed in the listing regulations.
Key operating and financial data is available in the annual report.
c 
  
NBP Board of Directors and senior management is fully committed to strengthen the
Risk Management structure and practices in NBP. A number of initiatives taken and
planned by NBP, in this regard reflects management commitment to upgrade the quality
of the risk management process, such as the formation of a Board level Risk Management
Committee; Basel ± II Gap Analysis Exercises; implementation of Risk Management
Software for managing Credit Risk, continuous improvement in the Policies, Procedures
and reporting for effective Risk Management and shift from fixed mark-up rate structures
to floating rates of mark-up for managing interest rate Risk.

c  c





Bank's management has established and is managing an adequate and effective system of
internal control which encompasses the policies, procedures, processes and tasks as
approved by the Board of Directors that facilitate effective and efficient operations. The
management and the employees at all levels within the Bank are required to perform as
per these approved Internal Control System components. The Internal Control System
ensures quality of external and internal reporting, maintenance of proper records and
processes, compliance with applicable laws and regulations and internal policies with
respect to conduct of business. The management ensures that an efficient and effective
Internal Control System is in place by identifying control objectives, reviewing existing
procedures and policies and ensuing that control procedure and policies are amended for
time to time wherever required. However, Internal Control System is designed to manage
rather than eliminate the risk of failure to achieve objectives and provide reasonable but
not absolute assurance against material misstatement or loss.


c  c




The Bank has an independent Internal Audit Group that conducts audit of all Branches,
Regions and Groups at Head Office on an on-going basis to evaluate the efficiency and
effectiveness of Internal Control System. In addition to that compliance Group is also in
place with independent Compliance Officer in 119 Branches and 29 Regional
Compliance Chiefs with supporting staff to take care of compliance related issues to
strengthen the control environment. For the year 2007 the bank has made its best efforts
to ensure that an effective Internal Control System continues to perform in letter and
spirit. The observation made by the external and internal auditors is reviewed and
measures are taken by the management to address the Internal Control. We assess that the
Internal Control environment is showing signs of improvement as compared to previous
years in all areas of the bank. The bank is endeavoring to further refine its internal control
design and assessment process as per guidelines issued by the State Bank of Pakistan.
Accordingly, Bank is making all possible effort to improve the professional skills and
competency level of the staff through need based training programs. Finally we extend
our appreciation to the Bank's staff for their commitment, dedication and hard work in
achieving these excellent results. We would like to express our appreciation to our
stakeholders, regulators and our valued customers for their support and continued
confidence in NBP.
20
   c

>   $

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6
&6 7.
 1
(

4 
8 

(9:
Stable AAA/A-1+ (Triple A/A-One Plus) rating (Standalone Basis) by JCR-VIS (July
2007)
&"#&#%)!'!+<$#+.for 2006 amongst all Banks in Asia . -³ Banker Magazine´ in
July 2007
World's leading financial journal, ³Global Finance´ has named NBP as the &"#
*&)/$!/+)2&#+!2()'*+2$"#+!for the year 2006.
F&"# ')&$/!G,-+!/&+!2=+2$"#+!Daward for the year 2006 by world's leading
financial journal ³Global Finance´.
21
Due to consistent improvement in NBP's Core Profitability, Asset Quality and Economic
Capitalization in recent years, Moody¶s Investors Service upgraded the $!+!,$+.
#)&!/#-+#$!/ ) from E+ to D-, in November 2005.
B&"# ')&$/!G,-+!/&+!2=+2$"#+!Daward for the year 2005 by world's leading
financial journal ³Global Finance´.
B&"#+!2+2$"#+!Daward for the year 2005 by world's leading financial journal
³Global Finance´.
The Asian Banker, a reputable financial journal, has published the report of its research
project on the ranking of 300 of Asia 's Strongest Banks based on a 11-Dimensional
Dynamic Scoring Criteria has adjudged National Bank of Pakistan as the Strongest Bank
in Pakistan .
On the basis of overall financial performance during 2004, NBP has been listed
³Amongst top 1000 banks in the world´ and ³ Number 1 Bank in Pakistan´ by the
prestigious ³Banker Magazine´ in its issue of July 2005 .
The ³Banker Magazine´ in July 2005 recognized NBP as the 10th Best Bank in terms of
µProfit on Capital' in the world.
³Bank of the Year´ awarded for the year 2005 by the world renowned ³The Banker´
magazine owned by the Financial Times Group, London.
On an all Pakistan basis National Bank of Pakistan was awarded the ³Kissan Times
Award´ for the year 2005 by the Prime Minister, Mr. Shaukat Aziz, for its services in the
Agriculture Sector .World's leading financial journal, ³Global Finance´ in an exclusive
survey has named NBP as the Best Emerging Market Bank from Pakistan for the year
2005.
B+!2'(#-&&+)Daward for the year 2004 by the world renowned ³The Banker´
magazine owned by the Financial Times Group, London. ³Euromoney´ Magazine, a
leading and prestigious journal, published from London , UK , in its issue of March 2005
has published Moody's Investors Service rankings in which NBP is the only Pakistani
bank which has been ranked among the Top 100 banks of Asia for it performance in the
fiscal year 2003.
WEBCOP-AASHA, an alliance against gender discrimination at workplace, presented a
Recognition Award to National Bank of Pakistan on December 18, 2004 for having a
Gender Sensitive Management.
In May 2004, NBP's standalone long-term rating was upgraded by JCR-VIS Credit
Rating Agency to AA (double A) from AA -( double A minus) with ³stable outlook´,
while standalone short-term rating was maintained at A-1+(A one plus). This is now the
best rating for a local commercial bank in Pakistan.
In its issue of March 2004, ³Global Finance´ has also declared NBP as ³The Best Foreign
Exchange Bank´ in Pakistan.
The ³Banker Magazine´ in July 2003 recognized NBP as the bank with the highest return
on capital in Asia and No.8 in the world.
World's leading financial journal, ³Global Finance´ after a worldwide survey declared
NBP in its issue of May 2003 as one of the best banks in the emerging markets.
³ Bank of the Year´ awarded for the year 2002 by the world renowned ³The Banker´
magazine owned by the Financial Times Group, London
³ Bank of the Year´ awarded for the year 2001 by the world renowned ³The Banker´
magazine owned by the Financial Times Group, London
)&"$3&!#C" H+)3"
9 Mr. S. Ali Raza, Chairman & President, NBP was awarded ³The Asian Banker
Leadership Achievement Award 2007´ by Asian Banker ( an internationally reputed
Financial Journal) in its issue of June 2007
; Mr. S. Ali Raza Chairman & President, NBP, was conferred Sitara-i-Imtiaz by the
President of Pakistan , General Pervaiz Musharraf on August 14, 2005
22
 ³ Business Week´ of ³The McGraw Hill Companies´ in its July 11,2005 edition has
adjudged Mr. S. Ali Raza, Chairman President, NBP as one of the twenty five Leaders of
Asia at the & Forefront of Change and has identified them as Stars of Asia including the
President of Indonesia
: Mr. S. Ali Raza's (Chairman & President, NBP) capabilities were also recognized by
the Institute of Bankers in Pakistan when he was awarded a gold medal in 2003

 
c
   c

)&*$%* *3+!$
Earn up to 11% p.a. +
Minimum deposit of Rs. 20,000/- and a maximum deposit
of Rs. 5,000,000/- for 5 years
Free Demand Draft, Pay Order and Cheque Book*
Convenience of NBP online Aasan Banking (for online
banking customers)
Free NBP Cash Card (ATM+Debit)
Running finance facility up to 90%
'!#-.0c!,'*&,-&*&
§  , 1.,,;1 .9!, .9"!!
§ c.,,+ ."&
.
§ <
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1,!/
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"
##
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§ 
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,(
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6(,
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)&*$%*+5&)
PLS Saving Account
Earn up to 7.25% p.a. +
Minimum saving balance of Rs. 20,001/- & a maximum
balance of Rs. 300,000/-*
Free NBP Cash Card (ATM + Debit)
Convenience of NBP Online Aasan Banking (for online banking customers)
Two debit withdrawals allowed in a month & no limit on number of deposit
transactions
Profit calculated on monthly and paid on half yearly basis
23
+)'6+)&)+ <!++)'6+)
Minimum down payment, 10% of asset price (5% for PCO & Telecaster)
Tenure 1 to 5 years (for PCO 2 years)
Grace period 3 months
Maximum loan amount Rs. 200,000/-
Age 18-45 years
Mark-up (variable) 1 year KIBOR + 2.00% p.a.
The customer will pay markup @ 6% p.a., rest will
be borne by GOP*
Life & disability insurance paid by GOP*
* subject to the availability of subsidy from GOP
+$6++!
'*& $!+!,$!/
Home Purchase
Home Construction
Home Renovation
Purchase of Land + Construction
Balance Transfer Facility (BTF)
 35+!,&+.+)0
&)"'!+.
'+!
Easy installments of 1 to 60 months at your choice
No minimum income collateral & insurance charges
required
Quick processing and fastest disbursement
The product is for permanent employees of Government,
Semi Government and Autonomous bodies receiving salaries
through NBP accounts.
+"-+)3

I&6$#+)3Use it as an ATM in any of
the ATM¶s in Pakistan
Use it as Debit Card in any of the outlets with
ORIX POS machine
Cash withdrawal up to Rs. 20,000/- per day
Account Balance Enquiry
Mini Statement (Only at NBP ATM)
PIN Change facility (Only at NBP ATM)
c!5&"#') 35+!#+/&
$!+!,$!/ +,$.$#0(')#',2c!5&"#')"
No security requirement, except for the customer¶s equity
Customer¶s equity freely available for investment
Equity acceptable in cash or approved shares
24
&+#%)&"
š Comfortable and secure environment for trading
š NBP financing at very easy terms requiring minimum documentation
š Minimum turn around time
š No security requirement from the customer except for the customer's equity
š Customer's equity freely available for investment.
š Equity acceptable in cash or approved share.
.$/$6$.$#0
š Pakistani National with valid computerized national ID Card
š Over 21 years of age
š An account with NBP designated Branch
š Equity in the form of cash or NBP approved shares
š No default with any financial institution
<<.$,+#$'!)',&3%)&"
š Obtain facility application form the NBP Marginal Desk at designated branches
š Fill in the application form and submit it to the branch
š On application approval, deposit equity as cash in the margin financing account at
the bank. Alternatively NBP approved shares can also be deposited in the NBP
CDC Account (CDC A/c No. 2345)
š Start trading through comfortable & friendly trading centers establishment for you
(In collaboration with Taurus Security Limited a subsidiary of NBP)
š Trading limit available for the amount of equity + bank financing.
)'3%,#c!(')*+#$'!
$!+!,$!/ *'%!#Rs.50, 000/ - To Rs.10, 000,000/-
?%$#0&?%$)&*&!#In the Form of Cash or Shares or Both (Currently Minimum Rs.
215,000/- @ 30%)
-+)&"As per NBP Approved List Available. Shares In Physical Form
Not Acceptable.

)+3$!/Allowed Only Through Trading Centers Created by NBP and
Operated by Taurus Securities Limited (A Subsidiary of NBP)
)$,$!/Fixed Price At The Time of Facility Sanction, Currently 6 Month
Kibor + 3% (Per Annum)
#-&)-+)/&"
š On Time Application Processing Fee of 0.5% of the loan amount or Rs.5,000/-
(Whichever is lower)
š Brokerage Charges/ Fees/ Taxes/ etc. Charged At Actual On Brokerage Invoices
š Documentation Fee Would Be Charged On Actual
&?%$)&*&!#"
š Photograph of Applicant
š NBP Account - Current or PLS
š Marginal Financing Application Form
š Copy of CNIC
š Copy of CNIC of Two (2) References
š Borrower Basic Fact Sheet
25
š Duly Filled In Statement of Assets & Liabilities.
+"-+!3'.3
&+30+"-+/+$!"#'.3
Facility of Rs. 10, 000/-against each 10 gms
of net weight of Gold Ornaments
maximum limit of cash
Repayment after one year
Roll over facility
No penalty for each repayment
R

 

 

 !
  


With NBP's Cash n Gold, you can meet your need for ready cash against your idle gold
jewelry.
Rate of mark-up 13% p.a.
Facility of Rs. 10,000 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 schroffs
No penalty for early repayment
/)$,%.#%)& +)*$!/)'/)+*
Competitive mark-up rate
Quick & easy processing
Delivery at the farmer¶s doorstep
Technical guidance to farmers
Wide range of financing schemes for farmers
Finance facility up to Rs. 500,000/- for landless farmers against
personal guarantee
Financing available against pass book, residential/commercial
property, gold ornaments and paper security
Loan facility on revolving basis for three years (renewable on yearly basis
without documentation and approval)
NBP Kisan Dost
NBP Kisan Dost
( Agriculture Made Easy)
#%3&!#
'+!,-&*&
Pursuant to the announcement made by the Federal Finance Minister in his 2001-2002
budget speech, a 


 (SLS) for Education was launched by
the Government of Pakistan in collaboration with major commercial banks of Pakistan
( , HBL, UBL, MCB and ABL). Under the Scheme, financial assistance is provided
by way of Interest Free Loans to the meritorious students who have financial constraints
for pursuing their studies in Scientific, Technical and Professional education within
Pakistan.
The Scheme is being administered by a high powered committee comprising Deputy
26
Governor, State Bank of Pakistan, Presidents of the commercial banks and Deputy
Secretary, Ministry of Finance, Government of Pakistan.
‡
-&'6J&,#$5&'(#-&#%3&!#"
'+!,-&*&is to provide financial assistance to the
meritorious students of insufficient means who have obtained 70% marks in the last
public examination and are unable to pursue their studies within Pakistan due to financial
difficulties.
‡ Loans facility is available to those students who are nationals of Pakistan including
Northern Areas, Federally Administered Tribal Areas and Azad Jammu and Kashmir and
of age not exceeding 20 years for graduation, 30 years for post-graduation and 35 years
for PhD at the time of admission.
‡ The maximum period of repayment of loan is 10-Years from the date of disbursement
of first installment .The borrower shall repay the loan in monthly installment after six
months from the date of first employment or one year from the date of completion of
studies, which ever is earlier.
‡ Loan is granted only to those students who have been admitted to the approved under
noted Affiliated Colleges /Universities.
‡ Under the Scheme, loans are available in the following subjects.
X Engineering
X Electronics
X Oil Gas & Petro-Chemical Technology
X Agriculture
X Medicine
X Physics
X Chemistry
X Biology, Molecular Biology & Genetics
X Mathematics
X Other Natural Sciences
X DAWA and Islamic Jurisprudence (LL.B/LL.M Sharia)
X Computer Science/Information System and Technology including hardware.
X Economics, Statistics and Econometrics
X Business Management Sciences
X Commerce
‡ The facility under this Scheme is restricted to the studies in the above-mentioned
subjects only or such other subjects as may be approved by the Apex Committee from
time to time.
‡ The amount of loans under the Scheme covers the cost of fee, books and boarding for
the entire period of study.
‡ Schedule Fee and boarding expenses excluding meal charges is disbursed directly to the
University/College.
‡ The amount of procurement of textbooks is disbursed directly to the student.
‡ The students desirous of availing loan under the Scheme may apply on prescribed Form
27
for financial assistance subject to he or she has got admission on merit through normal
procedure in the Universities/ Colleges afore-mentioned.
 <<.$,+#$'! ')*"+)&+5+$.+6.&()'*#-&3&"$/!+#&36)+!,-&"
‡ Applicants are required to submit/send their applications duly completed in all respect,
to the designated branches indicated against Universities/ Colleges.
‡ Those students who have already availed this facility last year need not to apply.
C"c!#&)!&#+"&3'*&&*$##+!,&"&)5$,&
Log in here for Secure Remittance- > https://www.pakremit.com
p

 
 "
Pakremit is an internet based Home Remittance Service. This service is available to U.S.
residents for sending money to their family and friends in Pakistan. One must have a
valid US Dollar account with a U.S. bank or a US Dollar credit or debit card in order to
remit funds through this channel.
Remitters in USA can log on to our user friendly website, www.pakremit.com and easily
remit funds to Pakistan from the comfort of their homes, in a matter of minutes.
The service is fully secure with advance encryption application and is available for use 24
hours a day, 7 days a week. Fees and exchange rate have been set at competitive levels
and the remitters have the ability to track delivery of funds as well.
p
"
Remitters log on to www.pakremit.com and after completing the registration process, are
able to remit funds. The whole process takes a few minutes. Funds in Pak Rupees can be
sent to beneficiaries, having an account with any bank in Pakistan, including NBP. While
funds are credited directly to beneficiaries maintaining accounts with NBP, a pay order or
demand draft is couriered to other banks for their customers. Pay order or demand draft
can also be couriered directly to the beneficiary¶s office or home, if requested by the
remitter.
Funds in US Dollars can be sent only to a Beneficiary maintaining a US Dollar account
with one of NBP¶s Foreign Exchange Branches. Click here for details of NBP Foreign
Exchange Branches.
USPs (Unique Selling Propositions)
1. Convenient and Fast
2. Reliable and Secure
3. Available 24 x 7
'!#+,#&#+$."
E mail: customerservice@nbpusa.com
Telephone: +1 (212)- 344-2239
Address: 100 Wall Street, 21st Floor, New York, NY 10005
Contact Person: Turab Hasan
)'#&,#$'!-$&.3
No documentation
No medical required
Premium Auto Debit facility & choice of deactivation
Coverage includes death due to:
Natural Calamities e.g. Earthquake, Flood, Cyclone etc.
Accident
28
Riots*
Civil Commotion*
Strikes*
Acts of Terrorism*
NBP Protection Shield
NBP Protection Shield
(Life is Precious)
* provided the insured is not actively involved in these activities
c
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+!2$!/'!0'%) +$#-
9 c

Deposit Schemes being offered by NBP¶s Islamic Banking Branches would include the
following:
1) Current Deposit Scheme
2) Profit & Loss Sharing (PLS) Deposit Scheme
%))&!#&<'"$#,-&*&
Ideal for customers looking for security of their funds along with absolute convenience in
its use, in the form of Current accounts Funds deposited with the bank will be utilized by
the bank at its sole discretion in Shariah acceptable avenues.
The Customer will have the flexibility to withdraw a part or the whole of their balances at
any time as per their requirement
This is a non remunerative deposit scheme and thus the customer will not be sharing the
profits nor will be sharing losses (if any). However, the Bank may at its absolute
discretion give rewards to these Depositors depending upon the operational results of the
Bank. Losses will not be passed on to these Depositors. Other terms, conditions and rules
for Current Deposit Accounts to be advised by the Bank at the time of opening of
Account.
)'($#@
'""-+)$!/&<'"$#
 ,-&*&
PLS Saving Deposits Scheme will accept deposits on Mudaraba basis, where the
depositor will be Rabb-ul-Mal and Bank will be Mudarib. The Bank will invest the
deposited funds at its (Bank¶s) sole discretion in Shariah acceptable avenues The
Depositor will have the flexibility to withdraw a part or the whole of their balances at any
time as per their requirement. The Bank will give profit to the Depositors on the basis of
agreed ratio of actual profits to be announced by the Bank from time to time.
In the event of financial loss, the PLS depositors will bear the loss in proportion of their
investment. The Depositors will not participate in the management of the business of the
Bank Other terms and conditions as well as rules for PLS Deposit Account to be advised
by the Bank at the time of opening of Account.
;  c c  c
c
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Commercial and Corporate customers requiring financing will have the following
financing facilities available to them to meet their requirements:
9%)+6+-+
Murabaha may be defined as a contract between a Buyer and Seller under which the
Seller discloses to the Buyer the cost of goods being sold and adds an agreed profit. Price
29
is payable on spot or at a certain future date, in lump sum or in installments (deferred
payments).
%)+6+-+ +,$.$#0
Under the MURABAHA FACILITY, the Bank will first purchase the required goods
directly or through an Agent. All costs incurred on such purchases will be borne by the
Bank.
Subsequently the Bank will sell the goods to the customer on deferred payment basis (30
days to one year) at an agreed price comprising cost of goods purchased and Bank's
profit.
On due date the customer will pay to the Bank the agreed price, in lump sum or as per the
agreed installment schedule.
;cJ+)+-
&+"$!/ 
Ijarah means ³to give something on rent´. The term ³IJARAH¶ is analogous to the
English term ³leasing³.
Firstly the Bank will purchase the Assets as required by the Customer and subsequently
the assets will be leased to the Customer on the terms and conditions as agreed with him.
cJ+)+- +,$.$#0H$..6&'((&)&3(')#-&('..'H$!/+""&#"
1. Vehicles (both Commercial and Private)
2. Office Equipment
3. Plant and Machinery
 
c
In addition to Shariah acceptable standard general banking services, following services
are also being offered at the Islamic Banking Branch :
Letter of Credit Facility
Handling of Remittances
Issuance of Bank Drafts and Pay Orders.
Collection of Export Bills.
Collection of Local Bills.
Government Collections
Utility Bills Collection


 
The NBP treasury and capital market group has developed a reputation of being the
market leader in coming up with customized solutions for a large and varied client base
that is spread virtually all across the country. The client base does not consist of only blue
chips ones but encompasses public sector clients, retail sector, multinationals, local
conglomerates as well as individuals.
30
National bank treasury is currently regarded as a market leader in both foreign exchange
and rupee denominated products because of it¶s emphasis on service quality.
&'((&)
Narrowest bid / offer spread and quickest on line quotes
Customized solutions to minimize risk and optimize returns as per the needs and
circumstances of the clients
Focus on building sustained and long term relationship with institutional,
corporate and retail clients.
Local presence across the nation as well as internationally.
Latest Rate Sheet

 
1) Plain Vanila Fx Products
2) Pakistan Investment Bonds
3) Derivatives Products
+)2&#&"&+),-+!3 &&36+,2
The treasury periodically prepares its own research report on money market and FX and
sends it to clients who are interested in getting such information. This research report is
quite popular with clients who are proactive and wants to develop their own views.

 

9 .+$!+!$..+ 1)'3%,#"
NBP Treasury a market price maker and trend setter in the plain vanilla Foreign
Exchange products. It¶s ability to offer tight prices, coupled with timely and accurate
research making it a bank of choice for clients seeking to favorably position their
currency risk As a result, National bank has one of the largest FX book in the country.
; +2$"#+!c!5&"#*&!#'!3"
Pakistan Investment Bonds issued by Government of Pakistan are a preferred means for a
majority of institutional investors to invest their surplus funds for a longer time horizon.
This way they are able to lock a higher yield for a relatively long term rather than take the
risk of re-pricing after relatively shorter time periods. Furthermore, PIBs are highly
secured and risk free as they are guaranteed by the government of Pakistan.
NBP is the leading Primary Dealer for PIBs primarily because of its inventory size and
the appetite for such a long-term instrument given its deposit base. While most foreign /
private banks would have to go to the secondary market in order to satisfy a large order
from an institutional investor, NBP can execute such large orders through its own book.
This means that it can offer tight prices for large amounts even under volatile market
conditions.
 &)$5+#$5&")'3%,#"
NBP treasury has been at the forefront in developing the derivatives market in Pakistan
and has contributed both individually and from the FMA (Financial Market Association)
front as well. The first ever Derivative transaction of the Pakistani banking sector was
done by NBP. Some of the more common derivative structures being offered include:
+ %))&!,0<#$'!"
6 &3/&" ')&$/!G,-+!/&$"2
An option gives the buyer the right but not the obligation to buy or sell an asset at a prespecified
date and price. So the upside profit potential is unlimited whereas the downside
loss is protected at a pre determined level. Various structures of currency options are
available including
31
!',2$!"K!',2'%#"
+)#$,$<+#$!/ ')H+)3"
+!3*+!0*')&
, c!#&)&"#+#&H+<"+!3  "
Hedges the Interest Rate risk
A client can convert a fix rate loan into floating rate one or vice versa by using these
derivative instruments. This allows the clients to develop and implement their views
about the evolving interest rate scenario. For example, if the borrower feels that the
interest rate might go up in the future, than he may choose to enter into a Pay Fixed ±
Received Floating swap with its bank to effectively hedge its floating rate loans.
3 )'""%))&!,0H+<"
Hedges the Interest Rate Risk
This product allows a client to convert its rupee based loans into a dollar based loan. The
client¶s exposure is shifted from PKR KIBOR to USD LIBOR.

 
 (

1) FAISAL ABD
2) KRACHI
3) LAHORE
4) PESHAWAR
5) RAWALPINDI
) 
  *(+
,-
). 

  *'
,-**/ 
)"" ,-
 "
  *%

Gujranwala Hyderabad
Islamabad Multan
Quetta Sialkot
Faisalabad Karachi
Lahore Peshawar
Rawalpindi
+0 
  
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1)

) 

) 

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National Bank of Pakistan is at the forefront of international banking in Pakistan which is
proven by the fact that NBP has its branches in all of the major financial capitals of the
world. Additionally, we have recently set up the Financial Institution Wing, which is
placed under the Risk Management Group. The role of the Financial Institution Wing is
To effectively manage NBP's exposure to foreign and domestic correspondence Manage
the monetary aspect of NBP's relationship with the correspondents to support trade,
treasury and other key business areas, thereby contributing to the bank's profitability
Generation of incremental trade-finance business and revenues
'((&)"
The lowest rates on exports and other international banking products
32
Access to different local commercial banks in international banking
9  

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
;  c

  
Move your money safely and quickly using NBP Mail Transfer service. And we also
offer the most competitive rates in the market.
  L
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.
: 
 
CM
Negotiability: Pak Rupees Traveler's Cheques are a negotiable instrument
Validity: There is no restriction on the period of validity
Availability: At 700 branches of NBP all over the country
Encashment: At all 400 branches of NBP
Limitation: No limit on purchase
Safety: NBP Traveler's Cheques are the safest way to carry our money
E 


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NBP is committed to offering its business customers the widest range of options in the
area of money transfer. If you are a commercial enterprise then our Letter of Credit
service is just what you are looking for. With competitive rates, security, and ease of
transaction, NBP Letters of Credit are the best way to do your business transactions.
 c
 c 
Let us help make your dreams become a reality
Our dedicated team of professionals truly understands the needs of professionals,
agriculturists, large and small business and other segments of the economy. They are the
customer's best resource in making NBP's products and services work for them.
A  c c


To facilitate its customers in the area of Home Remittances, National Bank of Pakistan
has taken a number of measures to:
Increase home remittances through the banking system
i. Meet the SBP directives/instructions for timely and prompt delivery of
remittances to the beneficiaries
ii. PakRemitŒ
iii. Remit funds from USA to Pakistan
33
&H &+#%)&"
The existing system of home remittances has been revised/significantly improved and
well-trained field functionaries are posted to provide efficient and reliable home
remittance services to nonresident Pakistanis at 15 overseas branches of the Bank besides
United National Bank (the joint venture between NBP and UBL in UK)., and Bank Al-
Jazira, Saudi Arabia.
 
c 
NBP is providing home remittance services without any charges.
Strict monitoring of the system is done to ensure the highest possible security.
Special courier services are hired for expeditious delivery of home remittances to the
beneficiaries.
7 c


The SWIFT system (Society for Worldwide Inter bank Financial Telecommunication)
has been introduced for speedy services in the area of home remittances. The system has
built-in features of computerized test keys, which eliminates the manual application of
tests that often cause delay in the payment of home remittances.
c
 &#H')2
The SWIFT Center is operational at National Bank of Pakistan with a universal access
number NBP-PKKA. All NBP overseas branches and overseas correspondents (over
450) are drawing remittances through SWIFT.
Using the NBP network of branches, you can safely and speedily transfer money for our
business and personal needs.
9 

c 


NBP now offers excellent rates of profit on all it's short term investment accounts.
Whether you are looking to invest for 3 months or 1 year, NBP's rates of profit are
extremely attractive, along with the security and service only NBP can provide.
99  c 
National Income Daily Account The scheme was launched in December 1995 to attract
corporate customers. It is a current account scheme and is part of the profit and loss
system of accounts in operation throughout the country.
 


c   
c  
  


9; Mc
c 


NBP has accelerated its activities in the stock market to improve its economic base and
restore investor confidence. The bank is now regarded as the most active and dominant
player in the development of the stock market. NBP is involved in the following:
 Investment into the capital market
 Introduction of capital market accounts (under process)
 NBP's involvement in capital markets is expected to increase its earnings,
which would result in better returns offered to account holders

  c 
c 
 
c


 c 
NBP provides Agricultural Finance to solidify faith, commitment and pride of farmers
who produce some of the best agricultural products in the World.
34
9 /)$,%.#%)+. $!+!,&&)5$,&"
³I 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.
; /)$,%.#%)+.)&3$#
The agricultural financing strategy of NBP is aimed at three main objectives:-
šProviding reliable infrastructure for agricultural customers
šHelp farmers utilize funds efficiently to further develop and achieve better
production
šProvide 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.
È Operating loans
È Land improvement loans
È Equipment loans for purchase of tractors, farm implements or any other
equipment
È Livestock loans for the purchase, care, and feeding of livestock
)'3%,#$'!
'+!"
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.
If you require any further information, please do not hesitate to e-mail us.

 c 
9 ')2$!/+<$#+.+!3-')#
&)*
'+!"
NBP specializes in providing Project Finance ± Export Refinance to exporters ± Preshipment
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
; &3$%*#&)*.'+!"+!3+<$#+.G<&!3$#%)& $!+!,$!/
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
35
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.
 
'+!#)%,#%)$!/+!30!3$,+#$'!
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
$!3%"#)0#&+*"8H-'6)$!/"<&,$+.$>&32!'H.&3/&#'#-&"#)%,#%)&'(+#)+!"+,#$'!
  
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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.
cc

c   

Following types of receipts and payments (Government transactions) are handled by
NBP:
 

Pension payment
c

Income Tax Sale Tax- Excise Duty
Vehicle Tax Admission Fee
Mineral Tax Pollution Fee
Passport Fee Custom Duty
Property Tax Royalty
Challans
Miscellaneous:
Registration Fee License Fee
Import/ Export Fee Trade Tax
Domicile Fee Agriculture Fee
 


This Civil Lines branch of National Bank has the following departments:
§ Opening and Deposits
§ Bills and Clearing
§ Credit department
§ Retail Department
§ Government Section Department
§ HR department
 

  

c
Department of Government section receives all the provincial and central receipts.
Payment of pension also is being done by this department.
NBP makes payments to following:
š Civilian
š Defense civilian pensioners
š Retired officers of Armed forces
š Retired officers of PAF and families
š Others ( KRL, OGDC, PAEC/ PR, RANGERS)

Mc 
 c  

i. Pension payment order
ii. No and date of NIC
iii. Two specimen signature, thumb and finger impression
iv. Photographs of the pensioner
v. Pension book
Officer enters them in a ledger to keep permanent record.


c
Disburser portion of the PPO is filed in serial No and kept in lock and key with
accountant.
All particular of PPO are entered in PPO register.
The first payment is made to pensioner after proper identification. In case any
clarification staff referred the pensioner to general accountant or Head office.
c
  c 
c
Branch prepares and send the RBV on link branches along with payment scroll
(scroll is the document upon which all vouchers and their payments are recorded) and
paid pension bills on the very next day.
Link branch consolidate the statement on Performa B including its own receipts and
payments.
Duplicate copy of the consolidate statement is sent to SBP (State Bank of
Pakistan) local office by link branch along with debit credit authority to the bank account.
Branch submits monthly statement of receipt / payment on the revised Performa to the
link branch.
Local treasury branch on the receipt of RBV along with scroll, payment bills and
challan etc debit credit the government account on the same day.
Treasury branch report the consolidated receipt and payment figure (not branch wise)
including their own receipt and payments to finance division / Head Office.
cc  

Branches submit the following documents to respective treasury office. SBP
offices under preprinted cover letter in the morning of next working day, through special
messenger/registered post.

'
)&+"%)0)+!,-
Following documents are submitted to the Treasury Branch:
 Government Debit Scroll (Separate scroll)
 Daily statement of payments inclusive government payments
 Consolidated daily statement of government payments inclusive others

'#+#&+!2
Following documents are submitted to the Treasury Branch:
 Letter of reimbursement
 Consolidated statement (daily of government payments inclusive others)
37


Standers that have been made by the bank regarding pension payments:
š Payment of pension to pensioner should take 15 to 20 minutes.
š Government receipts should take 10 to 15 minutes.
š Passport fee collection within 5 minutes.
š Traffic challan within 5 minutes.
These entire standards are being fulfilled by the staff within time. But due to the large
numbers of customers it makes difficult for the cashier to handle them in time. A single
voucher should be cleared within 5 minutes and it is but other customers have to wait for
their term for almost half an hour.
  
 c  c
Manager has to ensure that correct payment is made and its proper record is
maintained. Branch manager has to ensure that no cause of complaint is arising. Hence
the pensioner does not go to the Treasury office or State Bank of Pakistan unless any
renewal of change is required by him to be fulfilled inevitable.
Manager is respectfully managing his duties and is keeping the proper record
regarding pension. In case of any confusion and clarification manager refers the
pensioner to head office or their relative company office.

c  c  

c
According to the observation regarding Govt. Section, the employees in this
department tries its best to fulfill their duties but because they are not well educated and
trained that is why some problems keep arising time by time. To avoid and to eradicate
these problems employees should get training once a year so that they can meet the
current challenges and can know new techniques to handle the transactions.
Incharge of the department is an experienced person and educated. The way of
recording transactions is traditional. No proper bank software (computerized system) is
used to make the summaries of the receipts and payments. In result bank do not have any
proper record of its previous transaction except hard copies that take so much time when
it has to be audited. For example few days before the Incharge of the department need the
summary of the day 13th of the month but no record were found except they had to try to
find the hard copy of the summary and it took half an hour. But the same work by the
computerized system can be completed just in a single click. Not only daily summary but
also the monthly, quarterly, semiannually and annually summaries can be made in few
minutes through computerized system. So if we want to make our banking more efficient
and want to create more accuracy we have to adopt the modern computerized techniques
to make our work fast and accurate.
Employees in Govt. Section are not well familiar with the computer education.
Training programs for the current employees are not held because of which the
employees can not know the new trends of banking system.

  

š Current account
š PLS Saving account
š Term deposits
š Short term deposits
š Special notice deposits
š Call deposit receipt
š National Income Daily Account(NIDA)
š NBP PLS term deposit
š NBP Cash cards
š Basic banking account
š Blind and visually impaired person account

  c  c 
Issuance of cheque book should take 5 to 10 minutes
Issuance of bank draft, TTs, MTs within 15 minutes
Opening of an account
Open with due care under proper identification within 10 to 20 minutes.
Issuance of balance certificate within 10 minutes

 c  

N
Issuance of cheque book take almost 15 minutes and the account opening procedure takes
more than 30 minutes of the customer. Because the form has to be identified and tested
by the manager operation and about 14 account holder signatures are taken on the
account opening form. Some time the account holder does not take the required
documents with him/her then first they have to take the required documents. That is why
such king of accounts takes 1 to 2 days.

 c &!&)+.c!"#)%,#$'!"
The responsibility for account being regularly opened devolves upon the manager/
manager operation and no deposit (current, saving, fixed, short term or call deposit) can
be opened without the authority of manager/ manager operation.
A written application on prescribed form must be furnished and will be signed by
manager/ manager operation after has satisfied himself of the prospective account holder
by briefly interviewing him.
With a view to ascertaining the bonafide of the new account opener, a letter of
thanks on form F-529 is sent on his/her address under certificate of posting enclosing
there with a stamped self addressed envelope.
No cheque book is issued to a new account holder until confirmation of letter of
thanks F-529 and initial deposit is received except manager/ manager operation is
personally satisfied and specially authorizes its issuances. In case where cheque book is
issued prior to receipt of said confirmation, passing officers is exercised special vigilance
at the time of withdrawal and make a reference to manager/ manager operation for
authorizing payment.
Confirmation, when received back from new customer, is checked with the
respective specimen signature on record. Signature verified and filed with the relative
account opening form with the envelope bearing the postal receipt.
Copy of National Identity Card of person opening new account is taken and their
numbers are recorded in relative account opening.
No account is opened in the name of an undercharged insolvent.
When the account is opened in the name of two or more persons they should be
asked to sign the survivorship form-492 determining the mode of operation on their
account.

 c )+!,-)',&3%)&
Manager sees that particulars in the account opening forms signed by the constituent are
recorded and forms are properly filed in a serial number of account together with all the
relative documents.
The number of account given on account opening form is noted on specimen
signature card and on all the other necessary documents relative to the account.
Every current, cash finance and PLS saving account is numbered in numerical
serial order. For this purpose account opening and close register B-127 is maintained
separately for each category of account.
Each account is advised the number allotted to his/her account by putting the
same in each leaf of the cheque book, including the requisition slip inserted therein,
issued to him by bank at the time of opening an account and thereafter.
39
Every account open is entered in the account opening, close register B-127 and
the balance of running account drawn simultaneously. The closing of an account is noted
in the remark column in the alphabetical index against the entry pertaining to that
account.
Partnership letter, joint Hindu family letter, letter of authority to operate account
and copies of partnership deeds, memorandum and articles of association of companies
and rules of association and societies is filed with the account opening form.
In order to ensure that no necessary formalities are overlooked, when an account
is opened the account opening form and other necessary document is entered in the
account opening and closing register B-127.
The files containing account opening form and other relating document to operate
an account is remain in the custody in the supervising officials.
1
 c  


For the purpose of maintaining the record of next of kin of the account holder in the event
of the account remaining inoperative for a long period procedure is followed:
At the time of account opening the account holder is advised to open a joint
account so that there should not be any problem in the event of death of one of the
account holder as the survivor would be able to draw the money without any problem.
If for any reason an account holder insist on opening an account in his/her name
he/she is requested to sign a letter of authority in favour of bank stating that in the event
of the bank not hearing from him for a period of three years the bank may advise for the
existence of the account to named next of kin. The heirs of the deceased can then claim
the balance in the account after fulfilling the prescribed formalities.
In the event of the bank not being in contact with the account holder for the period
of 3 years, on the expiry of such period the bank should write to next of kin, whose name
and address is provided by account holder.
The bank asks all existence account holders maintaining account in single name to
fulfill the above requirements, however if an account holder does not want to avail above
facility, there is no compulsion.
Upon the death of one of the account holder, the balance of which is repayable to
the survivors, the account is of course continue but the survivor or survivors is requested
to transfer the balance into a new account in his/her or on their own name, a fresh account
opening form etc being taken. When the balance is not repayable to the survivors the
account is stopped and controlling office address in the matter.
  c 
c 


Pardanashin ladies who can read or write English Urdu or any local language is treated at
par with literate customer, provided that manager/manager operation personally satisfy
himself that the lady understand the nature of transaction. The requirement of
computerized national identity card is fulfilled as par practice.
c c

The system of recording specimen signature (constituent) must be such that no
signature can be placed on record by an unauthorized person. All specimen signatures
must be individually attested with full signature by the manager at the time they are
recorded.
Cabinet containing specimen signature cards is always under the lock of a
supervising official. Specimen of signature is obtained from the depositor at the time of
opening an account. Specimen signature is countersigned by the official of bank not
below the rank of an officer.
For illiterate person left and right hand rolled thumb impression duly witnessed
and attested by the introducer on the account opening form and specimen signature card
along with two recent photographs attested on the face by the introducer may be
40
obtained. One of the photographs is pasted on account opening form and the other is on
the specimen signature card duly attested by the manager.
Thumb impression at the time of each withdrawal is put on cheque etc. signature
on blank cheque is not accepted.
c  

No current account in the name of or on the behalf of a minor is opened without reference
to the controlling office unless a guardian of the property of the minor is appointed under
the guardians and ward act.
The guardian is not allowed to draw on the account after the minor has come of
age or after his/her death.
A minor attains majority at the age of twenty one when:
a. He is of Pakistani domicile
b. A guardian of his/her person or property is appointed by the court
c. His/her property in under the superintendence of a court of Ward
A special account opening form F-570 is obtained and kept in separate file under the
custody of manager or accountant. The date of attaining majority is noted at the end of
the branch daily list.
Cheques books is not issued on such account unless the adult account holder
intends to sign himself or jointly and the minor.
In case of death of the adult member the money is automatically become payable
to the minor but precautions for withdrawal is exercised. It is preferable if the money is
paid to the minor in the presence of a witness.
c
 

When a constituent does not conduct his/her account properly e.g. when his/her
cheques have to be frequently returned for the lack of funds, his attention is drawn to the
fact. If there is then no improvement, he should be directed to close his/her account and
no further credits are accepted on it, if he fails to do.
³Irregularly conducted accounts are a source of danger to the bank and must not
be allowed to continue.´

 
Kc 
c 
K 
cc

Current account not operated for 6 months and PLS saving account not operated for 1
year falls into the category of Dormant account. While current account not operated for 2
years and PLS saving account not operated for 3 years is fall in the category of
inoperative account.

 
c
 
 c  
c!3$5$3%+."
Copy of CNIC/NICOP.POC
Copy of driving license in
case CNIC is without
photograph.
Applicant photograph and
CNIC copy attested by
Gazetted officer in case of
CNIC without photograph.
Copy of ARC issued by
NARA in lieu of CNIC for
opening of Pak. Rupee
+)#!&)"-$<
CNIC of all partners.
Partnership deed (certified
copy).
Attested copy of
registration certificate with
registrar of firms.
Original authority letter
favoring persons authorize
to operate the account.
In case the partnership is
unregistered, this fact
)$5+#&K%6.$,
$*$#&3
'*<+!$&"
Certified copies of
certificate of incorporation,
Certificate of
Commencement of
business, Memorandum and
Articles of Association, List
of Directors.
Power of Attorney/
Mandate (If required).
41
account only.
Copy of service card/
evidence of employment in
case of salaried person.
Photograph in case of
illiterate person.
Copy of CNIC of next of
kin.
Zakat exemption
declaration/certificate.
Evidence for exemption of
account from levy of
service charges.
Proof of age in case of
opening of an account with
a minor.
Declaration on prescribed
format for opening of
account of blind and
visually impaired person.
should be clearly mentioned
on the account opening
form.
Undertaking from the
partners involved for
responsibility of conduct of
account individually and
jointly.
.%68',$&#$&"+!3
""',$+#&"
Certified copy of Certificate
of registration, By Laws/
Rules and Regulations,
Constitution.
Resolution of governing
body for account opening.
An undertaking signed by
all authorized persons when
any change takes place in
the persons authorized to
operate on the account, the
banker will be informed
immediately.

)%"# ,,'%!#
Attested copy of Certificate
of registration, CNIC of all
the trustees.
Certified copy of instrument
of Trust.
/&!#" ,,'%!#
Certified copy of ³Power of
Attorney´.
Attested photocopy of
identity card of the agent.
G&,%#')" !3
3*$!$"#)+#')"
Attested photocopy of
identity cards of executors/
administrators.
Certified copy of identity
cards Letter of
Administration of Probate.



c 
Account opening desk not only opens the account of customers but also they
collect the cheques to be cleared. Cheques collected then send to clearing section of the
branch. Clearing section will be discussed in detail later in clearing section.
Every person can open the account in the bank after fulfilling the prescribed rules
by the bank. Customers are dealt in a good manner in the NBP Civil Lines branch at the
account opening desk. More than 50% customer who come to the branch do not know
how to fill the cash deposit receipt and cross cheque receipt that have to be cleared. Staff
at the account opening desk is friendly and they provide the information to customer what
they need.
But by the word of mouth of one customer, he said that the account opening
procedure was easy before but now bank has made it difficult. By asking to the staff at
account opening desk, they told me that earlier the bank do not require such kind of
verifications but know the bank is doing this to protect itself.

c 
 
c 
 c 
Security on Account Opening Form (Under / Customer due Diligence
Requirements):
9Customer has completely filled out the bank¶s prescribed account
opening form. Yes No
;Specimen signature card application form are signed by the applicant
in the presence of manager/ incharge deposit Concerned staff. Yes No
All required particular of account (such as complete mailing address,
telephone number, CNIC are provided). Yes No
:Next to kin column in case of personal account has been filled in. Yes No
EAccount opening instructions are clearly marked. Yes No
42
Details of other bank accounts have provided. Yes No
AApplicant has provided his/ her full personal particulars. Yes No
All documents/ papers required under regulations/ rules have been
obtained. Yes No
7Attested copies of CNIC of applicant are with the branch. Yes No
9
Rubber stamp bearing narration that certify opening of account after
meeting KYC pre-requisite has been stamped on account opening
form.
Yes No
99Employers name and complete contact address has been obtained. Yes No
9;
A reference from the customer employer giving the customer¶s position
/ designation in the organization, total emoluments and length of
service in the organization is obtained.
Yes No
9
In case prospective customer is self employed, his / her occupation is
noted indicating the nature of the occupation, place of practice and
length of time in the present occupation etc.
Yes No
9:
In case of foreigners employed locally, copies of their passports have
been obtained to establish their status with a reference should
invariably be obtained from the local employers.
Yes No
9E
In case of doubt a copy of entity¶s registration certificate (be it a sole
proprietorship, a partnership, or a limited liability company) has been
obtained directly from the relevant of office of SECP.
Yes No
9
Complete name and address of partners, directors, office bearers or
beneficial owners (in case of account of partnership) companies,
corporations, societies, clubs etc have been obtained and recorded.
Yes No
9ABank has established evidence of all source of income of the account
holder. Yes No
9
Account where there is a little personal contact with the customer is
being reviewed on a regular basis to ensure that any change of address
or changes in circumstance that have been noted are recorded.
Yes No
97
As an additional measure, an annual review of all account is
undertaken to ensure that new information has been recorded to update
the knowledge about the customer and their businesses.
Yes No


c

 

È Custodian of government treasury
È Working as agent of SBP
È Job security for employees
È Main custodian of public money
È Government business owner
È Lender to the government agencies
È Public Confidence
È Sound financial foundation
È Highest profitability
È Vast operational network
È Recognition of hard work of staff through incentives
  
Beside a public bank it has the following weaknesses
43
È Not fast service to the clients
È Less marketing expenditures
È Worst conditions of branches
È Outdated systems and procedures
È Delays in decision making
È Resistance to change
È Inadequate, poorly placed network technology
È Less share in import and export business
È Lack of proper advertisement & marketing of products

 c
c
È Introduction of new technology
È Introduction of new products and services
È Develop an aggressive marketing plan
È Can lunch a marketing strategy to capture the business from its pee banks
È Can be number one in Pakistan
È Can offer new and innovative products to complete rest of the banks
È With proper planning can hunt more and more business from the public and
private sector as people still trust over it.
È Leasing



È Less qualified staff in NBP
È Not fully computerized
È Competition with foreign bank
È Less participation in the capital market activities
È Use of traditional system of banking
È Political influence
È New products from private Pakistani and Foreign banks
È Inability to change
È Quality of human resources
È Internal politics
 
c
1c 
I have covered following departments in NATIONAL BANK OF
PAKISTAN civil lines branch gujranwala.
X Clearing Section Department
44
X Accounts Section Department
X Billing Section
X Credit Department
X Government Section Department

 c 
c   
"The transfer of funds from a branch of bank to the other branch of the same bank or the
other bank on which the instrument is drawn, without involving cash through "State Bank's
clearing house"
V #$a%‘Ô
When the cheque from Bank goes to another bank for clearing then it is called outward
clearing. Our National Bank of Pakistan branch sends the different instrument like payment
order, cross cheque, Remittance for the purpose of clearing through two ways.
LOCAL CLEARING (NIFT)
S.C (Short Credit)
‘V‘‘| V‘VaV‘%a
‘VVÔ‘
 


c  Mc 


Accept the Cross Cheque or instruments from Account Holders.
Accept the Cross Cheque or Remittance from our NBP local Branches

c 

  



c
Fill the transfer voucher then receipt is given to the account holder and voucher is kept.

cc
Three stamps is place. First cross stamp is placed in the front side, Second clearing stamp
of next day date and third payee¶s account will be realized.

ccc
Enter all the instruments in the NIFT register in Local & Sialkot portion separately.

c
Signed by the officer in the back side of every instrument.


Made the NIFT card in which mention following things
Branch Name, No of Instruments, Total Amount and signed by the Remittance officer.

c
Next day after clearing fanford came from Dist Court Sialkot in the Name of Our Branch.

cc
Deduct the different type of bank charges from those entire people which submit the
Instrument or cheque for the purpose of clearing and this instrument belong to Sialkot.
According to following rate.
45
c   c 

  
Items Charges
Commission 0.16 % or Minimum Rs 50
Postage Rs 75
F.E.D 6 % of commission
   
 c 


c#&*"-+)/&"
Commission 0.16 % or Minimum Rs 50
Postage 75
F.E.D 6% of commission

ccc
 Fill the commission voucher as whole
 Fill the transfer voucher postage as whole
 Fill transfer voucher fro F.E.D as whole
 After filling such voucher past the stamp of bank transfer and signed by the
officer on all the voucher then transfer these voucher in particular account.

Mc

 



c
Place two stamp of such instrument, First stamp is place on the back side of each
instrument which we collect from our NBP Local branches i-e civil line branch
Gujranwala.
%))!3')"&*&!#'!($)*&3
') +#$'!+.+!2'(+2$"#+!
+$!),$5$..$!&/%J)+!H+.+
 
Second clearing stamp on the front side of the instrument and mention next day date in
the clearing stamp.

cc
Enter all the instruments in the NIFT register in Local & Sialkot portion separately.

ccc
Signed by the officer in the back side of every instrument.

c
Made the NIFT card in which mention following things
Branch Name, No of Instruments, Total Amount and signed by the Remittance officer.


Next day after clearing fanford came from Dist Court Sialkot in the Name of Our Branch

c
Made the fanford in name of such NBP local branch which send these instrument
DEBIT fanford send the meaning of DEBIT fanford is that our bank is transfer amount to
another NBP Branch.
46
CREDIT fanford enter in our system. The meaning of CREDIT fanford is that we are
decreasing our NBP General a/c because we send the amount to another branch.
pVa%$ %Va%‘Ô

 c 
#+*<$!/
)'""#+*<
.&+!$!/#+*<
+0&&8" ,,'%!#
$..6&&+.$>&3
$..
)+!"(&).$<@
&,&$<#+!3'5&)
'
.$&!#
)'* ,,'%!#'.3&)
!#&)$! c
&/$"#&)
&<+)+#&.0
+!35&) c

/&!#
c!"#)%*&!#'..&,#$'!
'%),&
)'* 
',+.
)+!,-&"
#+*<$!/
.&+)$!/#+*<
%))+!,-
!3')"&*&!#
'!($)*
$/!&30(($,&)
&<+)+#&
)+!"(&).$<
@-&?%&
c
+)3
c  

 c 

 

 c 
47
‘%&$pVa%||
‘#$a%‘Ô
'..'H$!/)&?%$)&*&!#(%.($..
Check all the stamp required
Check balance of particular account
Check the Drawer µsignature
Check the cheque post dated or out dated
Check amount in words and figures
Advice received from issuing Branch
Payment stopped by the drawer
Note: If all the above mention requirement fulfill then cleared the cheque or vise
return the instrument through NIFT
M
  -')#)&3$#
When the account holder submit the instrument which is out of station then such
instrument send for clearing through S.C(Short Credit) Some of the Cheques are not
cleared. The relevant bank returns these cheques with MEMO that document explain
what are the main reason of cheque return.
In case of Cheque Return from S.C (Short Credit) then bank deduct the service charges
from such account holder account which is submit the cheque in our branch.
Fill the Debit voucher in which following things mention
 Name and Account of particular person
 Description (S.C No 425 return charges recovered)
Fill the Credit Voucher for (Commission)
Fill the Transfer Voucher for ( Postage)
Enter this cheque in the cheque return register in which mention following things
 Name and Account Number
 Date which is mention in the cheque
 Instrument Number
)'* 
',+.
)+!,-&"
)'* ,,'%!#'.3&)
+3& +!(')3$!
-&
+*&'(%) 

',+.)+!,-

)+!"(&).&+)$!/
*'%!#'!&.&5+!#
+,,'%!#
$..$!/'%,-&)
'**$""$'!8'"#+/&8

&3%,#$'!'(+!2
-+)/&"
48
 Reason return of cheque
 Amount
pVa%||Va
%' %% ‘|(a
'**$""$'!,-+)/&""+*<.&(')*+#
|


  




"9$9#"9A9A9
"9$9#"9A9A9
$"9$9#"9A9A9
"9$9#"9A9A9
""9$9#"9A9A9
3"9$9#"9A9A9
#"9$9#"9A9A9
9




 !
 !


 c 
c 



c c  
Ordinary Inward table contains the records of all those cheques that are drawn on our
branch but are presented in the other branches (HBL, ABL, Bank Alfalah, Faysal Bank
etc). These all cheques are sent to our branch through NIFT (National Institutional
Facilitation Technologies). NIFT collected all cheques from the banks (Members of
NIFT) from all over the country and then send the cheques to the required bank branch.
The cheques that are drawn on the NBP Civil Lines Branch Gujranwala are sent to the
Civil Lines Branch through NIFT in the Morning. Then the branch clear all these cheques
and if any cheque is found incomplete or there is not enough balance in the account of the
drawer of cheque then this cheque is returned to the sending branch.
c 
 
M
  
ENTER IN CHEQUE RETURN REGISTER
Name and Account Number
Date which is mention in the cheque
Instrument Number

c    
Postage commission
c


 

ACCOUNT
Ordinary Outward table contains the record of those cheques that are collected in our
branch. Our branch customers have different banks cheques that they get from their
business customers. Then these cheques are collected to transfer the amount from the
drawer¶s account to the drawee¶s account. These cheques are of different banks from the
different locations. Our branch records these cheques in the ordinary outward table with
a/c number, amount and the instrument number. Then these cheques are sent to the
different banks on which these have been drawn through NIFT.
c
c

 c c  
Intercity includes those cheques that are drawn on the NBP branches from different cities
of the country. Intercity Inward means that the cheques that are drawn on our branch but
these cheques are presented in other NBP branches from different cities. Same bank
branches cheques are named as intercity clearing inward.
These intercity cheques are sent to our branch through NIFT in different envelopes with
the names of the city from these cheques have been collected. Intercity clearing inward
table keeps different tables of different cities. For Example, a person who has to make
payment to the other person but he makes his payment in the form of cheque. The second
person will present this cheque to his bank (NBP branch). Suppose his bank is in
Islamabad. His NBP bank will send this cheque to our NBP branch in Gujranwala
through NIFT. Then these kinds of cheques are recorded in intercity clearing table.
When all intercity cheques are recorded then the credit voucher is prepared with the
whole amount of all the intercity cheques.
c
c

 c 
 
Intercity outward means we sent the cheques out of city branches. These cheques are
drawn on out of city NBP branches but are presented in our branch. Then our branch
sends these cheques to the drawer¶s account holding branch to clear the amount of the
cheque.
  
 c 
Same day clearing table contains the record of those cheques or other instruments that are
drawn on other NBP branches but these branches are exist within in the city. Because the
drawer¶s bank branch is within the same city that is why these cheques are cleared in the
same day. The amount of the instrument is debited or credited in the same day. The grand
total of the instruments is obtained and then a credit voucher is prepared under the head
of Clearing Adjustment Account. And on the next day a debit voucher is prepared with
the same amount under the head of Clearing Adjustment Account.
c 



Input table contains the amount of the different NBP branches that we have to balance
with them. This table contains two sides:
Debit side
Credit Side
The amount with the different branches of NBP is cleared through fanfolds. In the
morning our branch gets the debit and credit amount of different NBP branches with our
branch. In the afternoon our branch get the amount returned detail through NIFT and is
recorded in the return column of the input table. After recording returns we get the Net
Difference amount with the other branches. We also get the fanfold (Received fanfolds)
to balance the amount with the other NBP branches. After completing the input table
branch prepare the F-15 and F-16 fanfolds so that these amount can be sent to the
different branches.
 

S.C Fanfolds means short credit fanfolds. S.Cs is received from those branches that do
not have the membership with the NIFT. So these branches have to send the cheques and
other instrument by making S.Cs through DAK (by post).Those kind of branches that do
not have membership with the NIFT are also sent the cheques and other instruments by
making S.Cs through DAK (by post).
50
 c 
c
Responding entries table contains the various NBP branches clearing adjustment
outstanding entries paid to our branch. These responding entries are made in the result of
receiving the fanfolds from various NBP branches. After completing the entries a credit
voucher F-51 is prepared under the head of ³clearing adjustment account´.
 
At the end of the day our branch receives a fax from the State Bank of Pakistan head
office Karachi. The debit and credit amounts given in the fax must match with the
amounts in the clearing summary of our branch.
This summary contains the balances of clearing received and clearing delivered amounts.
At the end a hard copy of input table, ordinary inward, ordinary outward, responding
entries, same day clearing, intercity clearing and summary are kept as record in the files.

 


Following activities are included in accounts department:
Account opening
Issuance of check book
Receiving of cheques
Salary formation

   "
The most important fuction of accounts department is account opening. In which
there are many technicalities are involved. While working in this department I gained
a complete knowledge of account opening which is necessary to recover any
descripency in transections.
&?%$)&*&!#"(')'<&!$!/++,,'%!#
1 copy of NIC
1 copy of NIC of next of KIN
verification of NIC (account holder)
1 copy of utility bill.
Letter of recommendation from concerned department(GOVT) (in case of govt
servant, salary account )

  

Current
PLS saving
PLS SNTDR
PLS term
FC
BBA
Premium saver
NIDA
Call deposit
There are two accounts which are mostly opened they are current and PLS saving
account.other accounts are rarely open.
Items involved in account opening:
Account opening form
Signature speciman card
Letter of thanks (F-529)
Pay-in-slip (cash)
)',&3%)&
After completion all requirements for account opening. I fill the information on account
opening form by verifying the NIC. Then I attached a signature specimen card for
signature verification.then I take the signature of client on 9:<.+,&"on account opening
form. Then this form is verified and allowed for operation manager.
Then next step is to enter all information on register(manualy).After assigning the
account number there is requirement to deposit cash in account minimum 9for that
we have cash deposit voucher(pay-in-slip).
Then I attached a letter of thanks F-529 with accoutn opening form which will be
dispatched by our branch dispather (%-+**+3-+->+3+))$+,-).
.&##&)'(#-+!2" E;7is basically for address confirmation of client.
I have attached a account opening form and signature speciman card with my report.
c""%+!,&'(,-&,26''2
Previously bank was issuing check books manualy by stamping the account number and
name of person.But a banker instituion called NIFT(national institution of facilitation
technology) provide us service and entitled the reponsibility to provide us printed cheque
books from KARACHI head office.
&+#%)&"'(<)$!#&3,-&,26''2
Printed name of account holder.
Printed branch name and code.
Printed cheque numbers.
)',&3%)&
For the purpose of issuing Cheques book customers come to me and ask for Cheques
book by providing requisition slips available in Cheques book. Previously I just verified
the signature of account holder from person designated OG-11 SANA-ULLAH
CHEEMA.
Then I fill the pay-in-slip for cash of amount 30 for 10 pages cheque book, RS.75 for 25
pages cheque book and RS.300 for 100 pages cheque book. Then I entered the name,
account number and Cheques number in register and get the signature of account holder.
But now procedure has changed due to NIFT services. For issuance of cheque book it is
required to submit your cheque book requisition before issuance. After receiving cheque
book requisition from customer I verify signature of customer (account holder) from
banks designated employee and I instruction to account holder deposit cash in bank
security document account 4211-6. Then I entered his account number in NIFT provided
slip to request for new cheque book in printed form from KARACHI head office.
($)"##$*&$""%+!,&
For issuing the cheque book first time after account opening. When customer came to me
and ask for cheque book and provide me half part of F-529 with signature then I firstly
check the register in which there will be entry of receiving of F-529. if that letter has been
52
received then I fill the form of first time issuance of cheque book and got the signature of
client OG-11 and operation manager along with account number and customer name.
after that I stamp the cheque book with civil lines branch and code along with account
number and write the account holder name. then I do entered checques numbers, account
number and name of account holder in register. I got the signature of customer on register
with providing the cheque book.
&,&$5$!/'(,-&?%&"
In this operation of accounts department there is receiving of cheques from customers.
Firstly I fill the pay-in-slip (red-voucher) and write date, account number in which
balance is to be transfered, amount in figures and words, checque number.
Then I stamp cheque with crossing stamp to made that cheque of NBP property. If
cheque is of same branch (civil lines) then I put the bank transfer stamp on cheque. And
stamp of NBP civil lines branch on both parts of pay-in-slip. After that there will be
stamp of receiver of that cheque and after signature that receipt is proided to customer for
their record.
After receving cheque I enterd those cheques in manual register called SUBSIDARY
REGISTER.in which I enterd name,account number and amount of cheque.
After entring all cheques those cheques are forward to clearing department for clearing.
+.+)0(')*+#$'!
Another function performed by accounts department is salary formation. Firstly i enterd
the cheque numer, date and amount in subsidary register. After that I develop the fanfold
for responding branches. The procedure is below:

Firstly I analyze the summary of salary.there are three types of bank involded in salary
first are other branches of NBP, second other banks like HBL,ABL,MCB and sundry
party (civil lines).
For other branches of NBP I made fonfold F-15 (credit voucher) in which I write date of
origination, our branch code and name, amount in figures and words, responding branch
name along with code, TR code which is 74, instant number, and particulars.
For other banks, I made red-voucher(credit) by filling date, name of bank, amount in
figures and words, and contra(account number). Along with that I made F-137 by filling
branch name, code , amount in figures and words, and request for credit.
For sundry party I made red-voucher (credit) by filling date, amount in figures and words
and contra(account number).
I have attached all types of above mentioned vouchers and fan-folds with my report.
 ,+)3$""%+!,&
Cash card issuance is also the responsibility of administration department.For cash card
the customer must have an account in our branch and a copy of CNIC for getting the cash
card. After filling the cash card from a photo copy is given to the customer and that form
is to be send to head office in KARACHI for approval and issuance. After receiving that
card from head office that card is send to customer on his/her address. Following is the
cash card application form:
c 1 
c
The money which has received from abroad is to be paid here in western union
department of NATIONAL BANK OF PAKISTAN. We use a software called SAMBA
for making payment of foreign currency. This software is online and have no chance of
fraud. All the payments will be given to those persons in who's name the sender has send
the money. And no other person will be able to collect the payment.
53
Mc
  

There are following things are require for the payment of western union.
š Photo copy of N.I.C of receiver attested from 2 persons the incharge of western
union or any authorized person of the bank
š MTCN code
š Receiver name
š Total amount
After checking this information I start the procedure on the western union software. I
show all the procedure of payment of western union step by step.
  

To sign on we need to enter the user ID and Password of software called SAMBA.
This page is about the main menu in which the operator selects the nature of transaction.
The whole transaction contains 3 steps:
9"#"#&<
The real transaction of receiving money will start form this page. After clicking this tab a
page will appear on which I enters the country name from where the payment has come,
full name of sender, the currency type and the amount that is to be received.
Then I press enter key. Now the next dialogue box will appear in which I have to enter
following information.
 MTCN number provided by receiver.
Full name of sender
Full name of receiver
Then this page will automatically appear through which we can match the sender and
receiver¶s name and the amount given by the receiver. If the information is true then I
start the next procedure.
;!3"#&<
After checking all information, I inter the amount in the box of amount matching with
payout amount. Then he asks me about the submitting of transaction. Then I click on yes.
Than the NIC Number of receiver will be enter.
In customer information the complete address, name of city, country name of receiver
will be entered and the contact number will also be entered.
)3"#&<
This page is the slip to receive money through Western Union. Here we take three print
of payment slip.
I take customer signature on the three slips. I.D photo copy of receiver attaches with one
slip and send to the incharge of the western union. Three signatures are required on these
slip. Two signature of incharge of foreign exchange department and 3rd signature are
from any authorized person of the bank.

'2&!$""%$!/
Customer comeback to us after completing the signature. One copies of slip attach with
I.D of customer to save as record. I write a token number on the token and send this slip
54
to the casher. And 3rd copy with token I give to the customer. Then customer show token
to the casher and get the money.
When the slip is issued the customer (receiver) is asked to sign the slip and the photocopy
of ID card is attached with the slip. The officer signs it and apply stamp on it. Finally the
token is given to customer to take his money from the cash counter.
c

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9  

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
;  c

  
Move your money safely and quickly using NBP Mail Transfer service. And we also
offer the most competitive rates in the market.
  L
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.
: 
 
CM
Negotiability: Pak Rupees Traveler's Cheques are a negotiable instrument
Validity: There is no restriction on the period of validity
Availability: At 700 branches of NBP all over the country
Encashment: At all 400 branches of NBP
Limitation: No limit on purchase
Safety: NBP Traveler's Cheques are the safest way to carry our money
E 


 c

NBP is committed to offering its business customers the widest range of options in the
area of money transfer. If you are a commercial enterprise then our Letter of Credit
service is just what you are looking for. With competitive rates, security, and ease of
transaction, NBP Letters of Credit are the best way to do your business transactions.
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1. Bills section maintains following types of records:
2. Online
3. End of day
4. DD/ GDD balance
5. Fanfold dispatch register
6. Pay order register
7. DD issue register
8. GDD issue register
9. MT issue register
10. TT issue register
11. Draft advice dispatch register
12. GDD advice dispatch register
13. Bank draft advice received register
14. GDD advice received register
15. MT received register
16. DD payment register
17. GDD payment register
18. DD paid ex-advice register
19. GDD paid ex-advice register
20. Pay order weekly balance
21. DD/ GDD monthly balance
22. Daily general ledger abstract
c
 


Credit section of the bank deals with SME (Small and Medium Enterprises), Corporate and
Commercial financing.
  
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È PERMISSIBLE.
È MANAGEABLE.
È ENFORCEABLE.
È SUFFICIENT.
È MARKETABLE.
È SAFE (FOR STORAGE)
È STABLE.
‡ IN FORM.
‡ IN VALUE
 c 

c  



Nature of security Basis for assessment.
#',2"
‡ Imported Raw material CFR Value
‡ Local Raw Materials / Basic Support price or market price whichever is
lower
Commodities (Cotton, Rice, Wheat etc
‡ Ginned Cotton KCA rate for the relative grade of cotton.
‡ Sugar (to traders) cost or market price whichever is less.
‡ Finished goods Ex Mill rate (net of GST).
(for financing to industrial units)
‡ Finished goods to traders. Fair market price.
$G&3 ""&#"
Land. Building & Plant/Machinery Forced sale value assessed by e valuators approved
by Pakistan Bank¶s Association in terms of
Prudential Regulation.
$!+!,$+.&,%)$#$&"
‡ Insurance policies. Latest Surrender value.
‡ Pak Rupee Deposits / Financial Par Value
securities where profit is paid
periodically.
‡ National Saving certificates / Other Existing Redemption value.
financial securities where profit is
paid on maturity.
‡ Shares of listed companies. Current market price.
‡ $ Bonds and other securities Latest Inter Bank rates for the respective
denominated in currencies.
Currencies other than Pak Rupees.
56
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‡ Hypothecation of stocks.
‡ Hypothecation of Book Debts / Assignments of Receivables.
‡ Trust Receipts.
‡ Joint Registration of vehicles.
‡ Pledge of goods.
‡ Mortgage / Charge on properties.
‡ Lien / pledge of Financial/Stock Market Securities etc.
‡ Assignment of insurance policies.
‡ Financial Guarantees /Stand by Letters of credit.
Personal Guarantee / Corporate Guarantees / Cross Guarantees.

  c c
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‡ Deposit Accounts.
‡ Term Deposit Receipts.
‡ Certificates of Deposit.
‡ NIT Units / Mutual Funds Certificate
‡ National Saving Certificate etc.
± Defence Saving certificate.
± Special Saving Certificates.
± Regular Income Certificate.
± National Prize Bonds.
‡ US $ Bonds Registered / Bearer.
‡ Treasury Bills.
‡ Federal Investment Bonds
‡ Pakistan Investment Bonds.
‡ Shares of Listed Companies.
Corporate bonds (TFC/CP¶s etc)
 
³Where immovable property of one person is by act of parties or operation of law made
security for the payment of money to another, and the transaction does not amount to a
mortgage, the latter person is said to have ta charge on the property and all the provisions
hereinbefore contained which apply to a simple mortgage shall, so far as may be, apply to
such charge «««««´(section 100 of transfer of property Act 1882).

 
³A mortgage is the transfer of an interest in specific immovable property for the purpose
of securing the payment of money advanced or to be advanced by way of loan, an
existing or future debt, or the performance of an engagement which may give rise to a
pecuniary liability «««´ (section 58 of transfer fo property Act 1882).

 
 
‡ Simple mortgage.
‡ Mortgage by conditional sale.
‡ Usufrucuary mortgage.
‡ English mortgage.
‡ Mortgage by deposit of title deeds/An entry in the Record of right
‡ Anomalous Mortgage.
‡ First and subsequent mortgages.
‡ Sub mortgages.





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‡ To educe evidence for the purpose of proving facts leading to establishment of he
Bank¶s Claims and rights over the suit money and the underlying securities
available to the bank
‡ How do the documents help in providing a better evidence´
‡ Section 102 of Qanoone Shahadat order 1984
57
³When the terms of (a) contract, or of agreement, or of any disposition of property have
been reduced tot eh form of a documents, and in all cases in which any matter is required
by law to be reduced to the form of a documents, no evidence shall be given in proof of
the terms of such contract, grant or other disposition of property, or of such matter except
the documents itself, or secondary evidence of its contents in case in which secondary
evidence is admissible under the provision herein before contained.
‡ Section 103 of Qanoone Shahadat Ordinance 1984.
³when the terms of any such contract, grant or other disposition of property or any matter
required by law to be reduced to the form of a document have been provided according to
the last articles, no evidence of any oral agreement or statement shall be admitted, as
between the parties to any such instrument or their representatives in interest for the
purpose for contradicting, varying, adding to or sub structuring from, its terms.


Mc
 

c
‡ &,#$'!E7'(
)+!"(&)'()'<&)#0 ,#897;
‡ ³Where the principal money secured is one hundred rupees or upwards, a
mortgage other than a mortgage by deposit of Title deeds can be effected only by
a registered instrument signed by the mortgagor and attested by at least two
witnesses.
‡ &,#$'!9; '( $!+!,$+.$!"#$#%#$'!"&,'5&)0'( $!+!,&")3$!+!,&;9
Finance agreements executed by or on behalf of a financial institution and a customer
shall be duly attested in the manner laid down in article 17 of the Qanoon e Sahadat order
1984.
‡ &,#$'!9A'(M+!''!&-+-+3+#)3$!+!,&97:
‡ ³In matters pertaining to financial or future obligations if reduced to writing the
instrument shall be attested by two men, or one man and two women, so that one
may remind the other, if necessary, and evidence shall be led accordingly.
««««««..´.
‡ &,#$'!99 '( $!+!,$+.$!"#$#%#$'!"&,'5&)0'( $!+!,&")3$!+!,&
;9
No Financial institution shall obtain the signatures of a customer on banking document
which contains blanks in respect of important particulars including the date, the amount
the property or the period of time in question.

 

‡ CUSTOMER RELATED DOCUMENTS.
‡ FACILITY RELATED DOCUMENTS.
‡ SECURITY RELATED DOCUMENTS.
‡ REGULATORY / MISCELLANEOUS DOCUMENTS.





‡ Proprietary concerns. Declaration of proprietorship.
‡ Partnerships Copy of partnership Deed /
Declaration of Partnership.
Form ³C¶ for Registered Partnerships.
‡ Companies. Certificate of incorporation.
Memorandum & Articles of Associations.
Borrowing Resolution.
List of Directors + Form 29 Certificate of
commencement of Business or certificate
of conversion from Private to Public
Limited company. (For Public Limited
Companies only)
Any other document required to meet special requirements of a particular case.
58
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Mc
‡ Letter of Credit (LC) Application and Agreement for
inevocable LC¶s (IB-8) Alongwith
other transaction related documents.
‡ Letter of Guarantee / standby Counter Guarantee (IB-30)
Letter of Credit (SBLC)
‡ Agricultural Finance DP Note
Agreement for Agricultural Production /
Development Finance (IB-7)
‡ Cash Finance / Running DP Note (IB-I)
Finance FATR/FIM Agreement for Financing for Short
Medium / Long terms on markup
basis (IB-6)
‡ Demand Finance DP Note.
Agreement for financing IB-6A)
‡ FAPE I/II/G DP Note.
Agreement for financing for Short /
Medium/Long term on mark up basis (IB-6)
LC/Contracts under lien. Undertaking
UT/DE I / II. Certified FE statement.
‡ IBP /FBP on account DP Note.
Letter of Buy Back Cum Indemnity (IB-9)
Agreement for Discount/Purchase of Bills
(IB-20). Export documents.
‡ Foreign Currency DP Note.
Financing Under FE-25 Financing cum Buy Back Agreement.
Export LC Contracts under lien for preexport
finance.
Export documents for post Export Finance.
‡ Term Finance Certificate TFC /CP Investment Agreement.
(TFC) / Commercial Papers TFC¶s CP¶s Alongwith verified transfer
deeds.
(CP) Financing.
‡ Syndicated Facilities. Syndicate leader¶s confirmation
as to completion of condition
precedent documents.
Copies of Syndicate Finance
agreement and security documents.
Syndicate Lawyer¶s vetting on
documentation.
c





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c 
‡ Hypothecation Letter of Hypothecation (IB-25) and stock
report.
‡ Trust Receipt. Trust / deed of Assignment and
acceptance by the respective debtors.
‡ Assignment Letter / Deed of Assignment and
acceptance by the respective debtors.
‡ Pledge (Stocks) Letter of pledge (IB-26) and stock report.
Pledge / Liens on Deposit Marketable securities (NSC¶s PIB/FIBs,
Accounts. TFC¶s etc)
‡ Government securities Letter of Lien / set off IB-28)
and shares etc.
59
‡ Mortgages. Memorandum of deposit of title deed or Mortgage
deed as the case may be alongwith following property
documents.
o Title Deed.
o Non Encumbrance certificate NEC) search
certificate.
o Forced sale valuation report by PBA Approved
valuers)
o Approved site building plan.
o NOC for creation of mortgage, if applicable.
o Fard Jamabandi / certificate from the relative
authority/department showing ownership of
mortgagor authority / department showing
ownership of mortgagor and the bank¶s
encumbrance on property.
GPA and agreement to mortgage (where required).
agreement for sale and buy Back of marketable
securities IB-31) Confirmation of bank¶s treasury &
CDC activity report in case of shares.
‡ Charges on assets owned Charge certificate issued by SECP
by companies. ± Form X/XVI and security Creating
documents.
Search report depicting creation of charge.
‡ Charges on assets owned charge creation certificate and Agri Pass
Book incase of Agri Financing.
‡ Registration of Motor Joint Registration of Vehicles.
Vehicles.
Financial Guarantees. Corporate Guarantee backed by the Board
Resolution and provisions in Memorandum &
Article of Association.
Personal Guarantee. Personal Guarantee (IB-29) + Personal Net
Worth statement. (Barring few exceptions. Personal
Guarantee of all directors of Private Limited
companies is a mandatory requirement. Personal
Guarantees of third Party security providers are also
recommended to be obtained.
‡ All tangible assets held Insurance Policy and Premium Paid Receipts
as security.
Any other document required to meet special requirements of a particulars case.
 
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To ensure that the documentation is appropriate and sufficient, the documents should.
‡ Be in the formats prescribed / approved by the bank.
‡ Be signed by the authorized signatures, using Rubber stamp for a on behalf of ----
³ where applicable. Signatures are to be verified from the specimens held by the
bank.
‡ Carry name and title below signatures of the executants.
‡ Be witnessed to meet the requirements of section 17 of Qanoone ± Shahadat
order. 1984.
‡ Be signed on all pages.
‡ Carry authentication of all cuttings / over writings.
‡ Not carry any date below signatures other than the one appearing in the text of the
documents.
‡ Be prepared on Non Judicial Papers or otherwise carry stamps of adequate value.
The revenue stamps (where applicable) should be properly cancelled under
signature stamp etc.
‡ Be co executed on the Bank¶s behalf where required e.g. Buy Back Agreement.
60
‡ Be dated subsequent to the dates of application for Loan. Board Resolution and
date of approval etc.
CARE No stamp using the name of the relevant concern is to be used on Personal
guarantees.

c 
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On the due date to receive the mark-up amount from the customer the bank makes the
rough entry as follow
!%&+#&
Mark-up receivable a/c Dr
PLS income a/c Cr
-&!*+)2%<+*'%!#$")&+.$>&3
Current account Dr
Mark-up receivable Cr
When the due date starts, the customer has 90 days to pay his mark-up amount. But if the
customer does not pay his mark-up up to 90 days, the bank makes the following entry.
-&!%"#'*&)&,'*&"&(+%.#&)
Income a/c Dr
Reserve a/c Cr
  




c

'..'H$!/%#$&"+)&+..'##&3#'"#+((*&*6&)"+!3#-&0+)&$!"#)%,#&3#',+)&(%..0
!'#&#-&$)3%#$&"K(''#!'#&+!3,'*<.&#&-+!3$!/'5&)K#+2$!/'5&)#-&,-+)/&'(
)&"<&,#$5&"&+#"K3%#$&"'!')6&(')&9;;76&(')&.&+5$!/#-&'(($,&+!3
<&)(')*#-&$)3%#$&"H$#-(%.."<$)$#@3&5'#$'!
)
O
+*&&"$/!+
#$'!
'6&",)$<#$'!
1. Mirza Amjad Baig OG-I Manager
2. Munir Ahmed Virk AVP Operations Manager
3. Muhammad Akhtar OG-II È Compliance Duties as Per Head Office Instructions.
È Pre-review of documentation of all Advances on
Disbursement / Proposal.
È Processing of Inspection Audit Remarks Sheet and
Clearance Certificate, i.e. Preparation of Clarence
Certificate / Remarks Sheet Rectification of Inspection /
Audit and Daily Compliance Sheets.
È Reconciliation of NBP General Account.
4. Mazhar Hussain Butt OG-II È Proper maintenance of record of un-delivered ATM cards
received from H.O / Retail head R.O Gujranwala. He
should collect all relevant ATM Cards from operation
manager & keep in his safe custody for onward delivery
to respective customer. Inward Dak
È Test key part-I
È Verification authorized signature on relevant bank
instruments. Fax Operator .Operator branch telephone
exchange , Swift operator
È Any Other assignment by Operation Manager / Branch
Manager.
61
%#0K ""$/!*&!#"!'#&3
Muhammad Akhtar Mazhar Hussain Butt
OG-II OG-II

c
5. Ghulam Abbas OG-II /
MTO
&5&.'<*&!#@&)"'!+.&,#$'!
1. He will be responsible to conduct the Job Analysis of the
branch.
2. He will be responsible to conduct/determine skill Gap
Analysis of the employees.
3. He will be responsible for pay-for-performance
implementation and handle all related issues.
4. He will be responsible for effective implementation of
Performance Standards as per laid down procedures.
5. He will be responsible to assist in Manpower Planning
Exercise.
6. He will be responsible to update HRIS of the branch.
7. He will be responsible to coordinate with Regional Office
for the effective implementation of Employee Mentoring
/ Communication Programs or any other program.
8. He will be responsible to maintain staff rotation records
within the branch.
9. He will be responsible to coordinate Training
programme.
10. Coordinate with Regional Office regarding the effective
implementation of TNA for employee¶s development.
11. Maintenance of all HR related records of
Executives/Officers/Staff posted at branch.
12. Preparation of Seniority lists.
13. Correspondence relating to Temporary Employees of the
branch and maintenance of their list.
14. GHS/VHS correspondence, if any.
15. Preparation/processing of appraisals of
Executive/officers/Staff posted at the branch.
16. Preparation of all returns/statistics of staff position to
Regional Office/Head Office.
17. Processing of Audit & Inspection related to HRM Section
of branch.
18. Finalization of payments, salaries/perks and all kind of
benefits pertaining to human resource.
19. He will be responsible for processing/correspondence
regarding Encashment of LPR/Optional Retirement of
Officers/Executives/Staff.
20. He will be responsible for fixation of pay on promotions
and revised salaries of Executives/Officers/Staff posted at
branch.
*<.'0&&&.(+)&@&!&($#"&,#$'!
1. He will process staff loans/medical Bills & Facilities/TA
Bills to Employees and their dependents.
2. He will follow-up pending cases with RO/HO relating to
HR.
3. He will be processing of Medical Bills &
Facilities/Hospitalization Bills of retired employees.
4. He will maintain all cases/correspondence files/books
pertaining to this section
5. He will process all cases of Educational Stipend,
62
Marriage Grant, Honorarium for securing 1st
position/Hafiz-e-Quran, Transfer Grant, Funeral
Charges, office Work expenses and monthly
subscription to newspapers/ journals/ magazines/
periodical.
6. He will be responsible for preparation of austerity
statement.
)+%3"@ ')/&)$&"
1. He will be responsible to look after all cases relating to
Fraud, Forgery / Dacoity cases pending with Govt/Law
enforcement Agencies or Regulators.
2. Preparation/presentation of all ripe cases before the
competent authority at Region/HO for final decision.
3. All allied/related correspondence with regard to above
assignments and any other duties to be assigned to
him/her by his/her superiors.
6. Sadiq Jamil Pasha OG-I È He is responsible for Rectification of daily compliance
irregularities.
È Coordinate for Regional / Surprise / Annual / SBP inspection
/ Audit.
È Any other duty/assignment assigned by the
Manager/Operations Manager.
%#0K ""$/!*&!#"!'#&3
Sadiq Jamil Pasha Ghulam Abbas
OG-II OG-II / MTO
7. Mukhtar Ahmed
c!,-+)/& ,,'%!#"
&<+)#*&!#
OG-I È Preparation Of Monthly / Quarterly / Half Yearly And
Annual Closing Returns Pertain To Operation Group
And SBP.
È Reconciliation of NBP General Account
È Incharge Dead Stock / Maintenance of Dead Stock
Account
È Incharge Stationary Account / Maintenance of Branch
Stationary Account.
È Incharge Old Record
È Calculation of Interest on NBP General Account
È Calculation of Commission on Govt. Receipt / Payments
/ G.DD.
È Time to Time Queries / Statements Required By R.O /
H.O or from any other Branch.
È He Will Be Personally Responsible For Movement Of
Any Voucher / Book / Record Pertaining To Old Record
In His Custody.
8. Muhammad Aslam
Nadeem
OG-I È Checking / Signing daily Clean Cash / Abstract / General
Ledger
È Checking & dispatch of F-21 A NBP General Account
È Maintenance of SBP Account
È Reconciliation of SBP Account with H.O / SBP
Gujranwala.
È Any Other assignment by Operation Manager / Branch
Manager.
È Maintenance of Voucher Register, Analysis Register and
all other Register and Books Relate to Clean Cash.
È He Is Responsible To Hand Over All The Daily Voucher

 


63
/ Record To Incharge Old Record Under Proper
Acknowledgment.
È He will supervise the daily transfer scroll punching, clean
cash punching and execution end of day program.
<&,$+. '#&
&H$..6&-&.3)&"<'!"$6.&<&)"'!+..0(')%!)&,'!,$.&3
&!&)+. ,,'%!#!#)$&"$(<'$!#&3
'%#$!
$"#B D+!3
$"#BD3%&#'<''),-&,2$!/'(
#-&"+*&+!3<&!+.#0$*<'"&360
9. Ghulam Mustafa Messen
ger
È Messenger Duties in Old Record / Branch Stationary
Department.
'#&
The Incharge Accounts and officer shall be held responsible for any penalty imposed by
SBP due to negligence / non completion of work / books and balancing. The both officer
will monitor all heads of Accounts and all other matter for well in time reporting
monthly, quarterly, annual return to controlling office.
%#0K ""$/!*&!#"!'#&3
Muhammad Aslam Nadeem Mukhtar Ahmed
OG-I OG-I
Ghulam Mustafa
Messenger
 
10. Abid Tufail
c!,-+)/&)&3$#&<##
'#&
&<+)#*&!#+.&+3H$..6&)&"<'!"$6.&('))&,#$($,+#$'!'($!"<&,#$'!K %3$#$))&/%.+)$#$&"
'(-$"3&<+)#*&!#+!3,'')3$!+#&H$#-6)+!,-,'*<.$+!,&'(($,&)(')"%6*$""$'!'(
)&*+)2"-&&#K,.&+)+!,&,&)#$($,+#&
OG-III È Branch Credit Officer
È Branch Cad Officer
È Monitoring of all credit portfolio of the finances.
È Passing of Cheque in all Finances with in drawing
powers jointly with Operation Manager.
È Proper documentation of all finances before
disbursement of Fresh / Renewed Accounts.
È Maintenance of All Finance / SME / Retail Documents
& Proper Custody There Off.
È Proper Checking / Maintenance of Ledger, Books and
DTRS of Fiancé Accounts.
È Issue / Payment Bank Guarantees
È Litigation and Proper Follows up of General Advances
/ General Banking cases and maintenance of their files
and records
È Waiver / Write Off / Suit Files Proposal.
È Follow Up Litigation Cases
È Checking Of Daily DTRs and Non-Financial Transactions of the Department.
È NADRA Verification (VERYSES) of advances accounts.
È Any Other Assignment by Operations Manager /
Branch Manager.
11. Hassan Akram
OG-II /
MTO
È He will assist Branch Credit Officer in following areas.
È He will assist the Incharge Credit for maintenance of vouchers, books, proposals.
È Documentation and disbursing of commercial / cash finance / SME / Running Finance /
Demand Finance (General) / Small Finance / Corporate Finance under supervision of the
incharge credit.
È Account opening of all type of Finances.
È Maintenance of law charges register
È Maintenance of other Sundry liabilities registers.
È Write off / Waiver off Proposal of General Advance.
64
È Any Other Assignment by Operation Manager / Branch
Manager / Credit Officer.
12. Taimur Javed OG-II /
MTO
È He will assist the Incharge General Advances and
Retail Incharge as and when needed.
È Preparation of e-CIB.
È Passing of all advances debit / credit vouchers and
Cheques of General Advance and in Retail Banking
jointly with Operations Manager in absence of Incharge
Retail / General Advances.
È Monthly / Quarterly / Half Yearly / Annual Closing
Returns.
È Balancing of all Finance Books / Accounts.
È Time to Time Queries / Statements Required by R.O /
H.O or from any other Branch
È Weekly / Monthly / Quarterly Balancing of all
Accounts / Books.
È Any Other Assignment by Operation Manager /
Branch Manager / Credit Officer
'#&
The Incharge Credit and officer shall be held responsible for any penalty imposed by SBP
due to the negligence / non completion of work / books and balancing. The both officer
will monitor all heads of General Advances and all other Advances / items for well in
time reporting monthly, quarterly, annual return to controlling office.
13. Muhammad Ahmed
Butter
c!,-+)/&&#+$.
&<##
 '#&
&<+)#*&!#+.&+3
H$..6&)&"<'!"$6.&
('))&,#$($,+#$'!'(
$!"<&,#$'!K %3$#
$))&/%.+)$#$&"'(-$"
3&<+)#*&!#+!3
,'')3$!+#&H$#-
6)+!,-,'*<.$+!,&
'(($,&)(')"%6*$""$'!
'()&*+)2"-&&#K
,.&+)+!,&,&)#$($,+#&
OG-I È Retail Officer
È Passing of all advances debit vouchers for advance
in Retail Banking jointly with Operations Manager.
È Processing officer / Retail Deptt.
È NBP Advance Salary / Saibaan
È Preparation of all monthly, quarterly, half yearly and
annual closing returns pertain to retail banking
È Balancing and maintenance of books, register &
DTRs.
È Payment of NIT / NBP / PTCL dividend / shares
subscription.
È Preparation of proposal for Retail banking
È Recovery officer for defaulters of Retail Banking
È Write off / waiver off proposal of Retail Banking.
È Weekly / monthly / quarterly Balancing of all
Accounts / Books.
È Litigation follow up Retail
È Any Other assignment by Operation Manager /
Branch Manager / Credit Officer.
'#&
The Incharge Retail and officer shall be held responsible for any penalty imposed by SBP
due to the negligence / non completion of work / books and balancing. The both officer
will monitor all heads of NBP Advance salary, NBP Karobar, Saibaan, Ghar ghar TV and
all other Retail items for well in time reporting monthly, quarterly, annual return to
controlling office.
%#0K ""$/!*&!#"!'#&3
Abid Tufail Hassan Akram
OG-III OG-II / MTO

c
 c 
65
Taimur Javed Muhammad Ahmed Butter
MTO/OG-II OG-II
')&$/!G,-+!/&&<+)#*&!#
14. Muhammad Afzal
c!,-+)/& G,-+!/&
&<##
'#&
&<+)#*&!#+.&+3H$..
6&)&"<'!"$6.&(')
)&,#$($,+#$'!'(
$!"<&,#$'!K %3$#
$))&/%.+)$#$&"'(-$"
3&<+)#*&!#+!3
,'')3$!+#&H$#-6)+!,-
,'*<.$+!,&'(($,&)(')
"%6*$""$'!'()&*+)2"
-&&#K,.&+)+!,&
,&)#$($,+#&
OG-I/
MTO
È Handling of foreign Currency deposit
È Passing of FEX Cheques jointly with Officer in
Foreign Exchange.
È Joint signatory of Western union / Samba
Payments.
È Foreign Currency Account Opening.
È Exports.
È SBP Export re-Financing
È Nostro reconciliation
È FET reporting
È Supervisor Swift
È Preparation of all monthly, quarterly, half
yearly and annual closing returns pertain to
Foreign Exchange
È Checking of daily DTRs and non-financial
transactions of the Department.
È Weekly / monthly / quarterly Balancing of all
Accounts / Books.
È Any Other assignment by Operation Manager /
Branch Manager
15. Syeda Ruqia Ansar OG-II /
MTO
È Import
È She will assist the Incharge FEX for proper
maintenance of books and balancing their off.
È Passing of all vouchers pertain to Home
remittances Export and others jointly with
Incharge Foreign Exchange / Operation
Managers.
È Joint signatory of Western union / Samba
Payments.
È Home Remittance
È FET reporting
È Preparation of all monthly, quarterly, half
yearly and annual closing returns pertain to
SBP recording F.E.X transaction.
È Weekly / monthly / quarterly Balancing of all
books.
È Any Other assignment by Operation Manager /
Branch Manager / Incharge FEX.
16. Muhammad Nawaz
Awan
OG-III È Passing and Punching of western union / samba
vouchers on terminal.
È Payment of western union / Samba on
computer terminal.
È Preparation of all vouchers / daily statements
of western union / Samba Payments.
È Any assignment by the Incharge Bills Section.
17. Muhamamd Arshad Messenger È Messenger duties with Foreign Exchange /
Bills / Advances.
66
'#&
The Incharge FEX and officer shall be held responsible for any penalty imposed by SBP
due to the negligence / non completion of work / books and balancing. The both officer
will monitor all heads other FEX items for well in time reporting monthly, quarterly,
annual return to controlling office.
%#0K ""$/!*&!#"!'#&3
Muhammad Afzal Syeda Ruqia Ansar Muhamamd
OG-II / MTO OG-II / MTO Arshad
Messenger
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18. Nazir Ahmed Awan
c!,-+)/&&<'"$#
'#&
&<+)#*&!#+.&+3H$..
6&)&"<'!"$6.&(')
)&,#$($,+#$'!'($!"<&,#$'!
K %3$#$))&/%.+)$#$&"'(
-$"3&<+)#*&!#+!3
,'')3$!+#&H$#-6)+!,-
,'*<.$+!,&'(($,&)(')
"%6*$""$'!'()&*+)2"
-&&#K,.&+)+!,&
,&)#$($,+#&
OG-II È Verification of signature of PLS / C/A
depositors
È Joint Signatory of cash / transfer voucher over
Rs.25000 / Rs. 50000/- respectively.
È Deduction of FED / W.H.Tax and depositing in
GOVT collection accounts.
È Deduction / refund of ZAKAT and
maintenance of register
È Maintenance of sundry account register
È Maintenance of un-claim deposit account
È Maintenance of ZAKAT declarations forms /
register
È Maintenance record of suspicious transactions
È Transfer of un± claimed deposit to Head Office
on proper dates.
È Maintenance / updating the record of dormant /
In-operative / un-claim deposit accounts.
È Maintenance of service charges record.
È Maintenance of over 0.500 Million
transactions.
È Maintenance of record for stop payments
È Maintenance record of Lien marked against
cheques.
È Proper maintenance of cheque return register
È Maintenance of record for all closed accounts
È NBP protection shield
È Monthly, quarterly, half yearly and annual
returns of ZAKAT / Un-claim and all other
relative statements pertains to deposit section.
È Checking of daily DTRs and non-financial
transactions of the Department.
È Detection of Money Laundering and
Maintenance of Record their off.
È Weekly / Monthly / Quarterly Balancing of all
Books & Accounts.
È Any Other assignment by Operation Manager /
Branch Manager
19. Muhammad Aslam Virk OG-II È Customer relations officer
È Account opening (PLS / C/A)
È NADRA verification of PLS and current
accounts opened by him.
È He will be responsible to complete all
formalities before opening of the accounts.
È Issuance of cheque books.
È Payment of monthly salaries of Govt.
67
departments.
È Issuance of SC, LSC Receipts to customers.
È Any Other assignment by Operation Manager /
Branch Manager / Incharge Deposit.
20. Ijaz Ahmed Cheema OG-I È Terminal duty cash side / punching of PLS/
Current A/C in computer.
È He will insure that account opening forms are
complete in all respect before punching the
same.
È Passing of Cheques / Vouchers of cash side up
to Rs 25000 and joint signatory of cash
vouchers above Rs.25000.
È Punching of cash side cheques / credit
vouchers & other instruments received in cash.
È Double signatory in deposit section.
È Preparation of PTCL / GEPCO & T.T / M.T
Vouchers for PTCL / transfer of PLS, C/A
accounts.
È Checking of daily DTRs, C/A / PLS account.
È Daily Weekly / Monthly / Quarterly / Half
Yearly / Annual Balancing of C/A / PLS /
NIDA.
È Any Assignment by the Incharge Deposit for
completion of Misc books of deposit section.
21.
&$")&"<'!"$6.&(')
<)'<&)-%#'H!'(
'*<%#&)60G&,%#$!/
!3'(+0<)'/)+*&
H$..!'#.&+5&#-&6)+!,-
%!#$."0"#&*$"!'#
<)'<&).0"-%#3'H!
&$"$!"#)%,#&3#')&<')#
<&)+#$'!+!+/&)(')
+!03&($,$&!,$&"+,,)%&3
$!!'!&G&,%#$'!'(&!3'(
3+0<)'/)+*60<'$!#$!/
'%##-&<&)"'!-&.3
)&"<'!"$6.&
È Terminal duty transfer side
È Passing of transfer Cheque / Voucher up to
Rs.50000/- and joint signatory of all transfer
voucher over Rs.50000/-
È Punching of cheques / credit vouchers and all
other instruments received in transfer from
Establishment / clearing / GOVT etc.
È Preparation of Weekly Schedule Telegram.
È Punching/Posting of Govt. Employees
Salaries received from different Govt.
departments.
È Any assignment assigned by the Incharge
deposit/Operations Manager.
'#&
The Incharge Deposit and officers shall be held responsible for any penalty imposed by
SBP due to the negligence / non completion of work / books and balancing. All officers
will monitor all heads of Deposit and other Deposit items for well in time reporting in
monthly, quarterly, annual return to controlling office.
%#0K ""$/!*&!#"!'#&3
Nazir Ahmed Awan OG-II
Muhammad Aslam Virk OG-II
Ijaz Ahmed Cheema OG-II
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22 Ghulam Mustafa
c!,-+)/&$.."&,#$'!
'#&
&<+)#*&!#+.&+3H$..6&
OG-I È Issuance Of PLS TDR / MIS
È NBP Premium Income Scheme
È Stamp Accounts
È Issuance / Payment of D.D / M.T / T.T / G.D.D
/ Call Deposit receipt & PRTC and punching
68
)&"<'!"$6.&('))&,#$($,+#$'!
'($!"<&,#$'!K %3$#
$))&/%.+)$#$&"'(-$"
3&<+)#*&!#+!3,'')3$!+#&
H$#-6)+!,-,'*<.$+!,&
'(($,&)(')"%6*$""$'!'(
)&*+)2"-&&#K,.&+)+!,&
,&)#$($,+#&
their off in EBS / BBO through assisting
official.
È Dispatch of M.T / scrolls pertaining to daily
collection of PTCL, GEPCO and daily
collection of utility bills to concern
departments / bank.
È Application of profit on MIS / TDR / Premium
Income Scheme and maintenance of their
record.
È Calculation of exchange / commission on Govt
Drafts.
È Weekly / monthly Balancing of books with the
help of his assisting staff.
È Time to time queries / statements required by
R.O / H.O or from any other branches.
È Proper execution of end of day for closure of
daily EBS System.
È Any Other assignment by Operation Manager /
Branch Manager
23 Miss Bushra Ch. OG-II È Assist to Incharge Bills Section in following
areas..
È Punching of PRTCP in BBO System and
Generation of Relative day books / statements.
È Checking of daily DTRs and non-financial
transactions of the department.
È Preparation of Weekly, Monthly, Quarterly,
Half Yearly and Annual statements / returns
pertaining to bills department under the
supervision of Incharge Bills Department.
È Any assignment by the Incharge
Bills/Operations Manager.
24 Safdar Hussain OG-II È Issuance / payment of D.D, MT, G.D.D, P.O
and advices and their files / books & other
record of D.D / M.T / T.T / G.D.D / Call
Deposit receipt.
È Payment of NEC / OEC / TTP /
DDPs/SC/LSC.
È Any other assignment assigned by the Incharge
Bills/Operations Manager.
'#&
The Incharge Bills and officers shall be held responsible for any penalty imposed by SBP
due to the negligence / non completion of work / books and balancing. All officers will
monitor all heads of Bills Section for well in time reporting in monthly, quarterly, annual
return to controlling office.
%#0K ""$/!*&!#" '#&3
Miss Bushra Ch. Ghulam Mustafa Safdar Hussain
OG-I OG-II OG-III

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69
25 Zaka Ullah OG-II È He will assist Incharge Clearing for daily
clearing balance.
È Double signatory of all vouchers of Clearing
sections.
È Online Banking (Receipt / Payment Vouchers &
preparation of claim of online banking to
concerned branches)
È Maintenance of proper record of online banking.
È Preparation of daily ATM vouchers & checking
of daily DTRs.
È Issuance of ATM card / Pin Codes
È Maintenance of un-paid claims of ATM clients.
È All statements relating to ATM
È Any Other assignment by Operation Manager /
Branch Manager.
26 Muhammad Asghar Kamboh OG-III È Punching / balancing of clearing vouchers.
È Submission of clearing vouchers to NIFT and
other branches.
È Preparation of daily clearing statements / RBVs
È Double Signatory of clearing
È Dealing with NIFT and running of Dongle
program.
È Daily Balancing of Clearing Adjustment
Account.
È Online punching of clearing vouchers on EBS
and punching of MT, D.D, TT and all relatives
voucher of bills section.
È Any assignment by the Operations Manager.
Zaka Ullah Muhammad Asghar Kamboh
OG-III OG-II
 

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27 Muhammad Nawaz
Cheema
c!,-+)/&'5&)!*&!#
'#&
&<+)#*&!#+.&+3H$..
6&)&"<'!"$6.&(')
)&,#$($,+#$'!'(
$!"<&,#$'!K %3$#
$))&/%.+)$#$&"'(-$"
3&<+)#*&!#+!3
,'')3$!+#&H$#-6)+!,-
,'*<.$+!,&'(($,&)(')
"%6*$""$'!'()&*+)2"
-&&#K,.&+)+!,&
,&)#$($,+#&
OG-I È Supervision of all Collection Accounts /
Payment Transaction / Daily Railway
Collection in Govt. Section for transfer their
off to SBP / Account Office.
È Govt. / Railway Pension Payment (Cash /
transfer)
È Renewal / registration of Federal Govt. Arm
license
È Double signatory of all Govt. receipt /
Payment voucher
È Preparation of Govt. Payment Scroll
È Preparation of all statements / returns.
È Counter signing of all utility bills
È Any Other assignment by Operation Manager
/ Branch Manager
28 Asim Qadeer Cheema OG-II È Govt. receipt cash / transfer
È Transfer of daily Govt. Receipt / Payments /
Railway collection to SBP.
È Counter signing of all Govt. receipt challan /
voucher
È Dispatch of all Govt. receipt payment scroll
and vouchers along with daily summary of
70
Govt. receipt / payment to account office /
SBP.
È Double signatory of all Govt. receipt /payment
voucher
È Any other assignment by the Incharge Govt.
section.
29 Rafaqat Ali Messenger È Messenger duties in Govt Section.
'#&
The Incharge Govt. and officers shall be held responsible for any penalty imposed by
SBP due to the negligence / non completion of work / books and balancing. All officers
will monitor all heads of Govt. Section for well in time reporting in monthly, quarterly,
annual return to controlling office.
The Incharge and officer shall be responsible for:-
1. Supervision of all Govt. receipts / collection and transfer there of to SBP /
account office well in time.
2. Responding of RBVs of all linked branches for Govt. receipts / payments and
transfer there of to SBP well in time and scrolls there of should be submitted
to SBP and account office.
3. Daily Railway collection must be transferred in Railway fund with SBP
Gujranwala on daily basis.
4. Daily CBR collection should be transferred in SBP account well in time on
daily basis.
5. Proper reporting of summaries / transfer of fund should be made properly and
insure no complaint from SBP / any other authority.
%#0K ""$/!*&!#"!'#&3
Muhammad Nawaz Cheema Asim Qadeer Cheema Rafaqat Ali
OG-II OG-III Messenger
  


30 Ghazanfer Mehmood OG-I È Joint Custodian Chest.
È Daily Checking / maintenance of outward
postage / dispatch Register.
È Branch Security Officer.
È Test Key Part II.
È Maintenance of security documents.
31 Muhamamd Tariq
'#&
&<+)#*&!#+.&+3H$..
6&)&"<'!"$6.&(')
)&,#$($,+#$'!'(
$!"<&,#$'!K %3$#
$))&/%.+)$#$&"'(-$"
3&<+)#*&!#+!3
,'')3$!+#&H$#-6)+!,-
,'*<.$+!,&'(($,&)(')
"%6*$""$'!'()&*+)2"
-&&#K,.&+)+!,&
,&)#$($,+#&
OG-I È Incharge / Chief Cashier of Chest.
È He will assign the counter duty of cash
officers in cash department on monthly
rotation basis by maintaining proper duty
register.
È Incharge Almirah for distribution of cash on
counters and receiving of cash from counters
with balancing at close of business.
È Writing of branch chest balance book / vault
Register, cash balance book etc.
È Dispatch of daily telegram / cash report to
SBP.
È Any assignment by the Operation Manager /
Manager.
32 Jawad Riaz Butt OG-II È Cash Officer, the duty will be assigned by
Chief Cashier on monthly rotation basis.
33 Javeed Ashraf OG-II È Cash Officer, the duty will be assigned by
71
Chief Cashier on monthly rotation basis.
34 Muhammad Ishaq OG-II È Cash Officer, the duty will be assigned by
Chief Cashier on monthly rotation basis.
35 Rana Asad Ullah Tariq OG-II È Cash Officer, the duty will be assigned by
Chief Cashier on monthly rotation basis.
36 Masood Ahmed khokhar OG-II È Cash Officer, the duty will be assigned by
Chief Cashier on monthly rotation basis.
37 Shahzada Munawar Masih OG-III È Cash Officer, the duty will be assigned by
Chief Cashier on monthly rotation basis.
38 Muhammad Rafique Bank Guard È Messenger duty in cash department
39 Rana Mueed Cashier È Duty of Godown Keeper
40 Muhammad Yousaf Cashier È Performing duty of dispatch.
41 Ghulam Abbas Cashier È Performing cashier duty.
42 Khadam Hussain Messenger È Performing duty at Regional Office Canteen
43 Jamshed Ahmed Cook È Performing duty at Regional Office Canteen
44 Abdul Ghaffar Messenger È Performing duty at Regional Office Canteen
45 Mazhar Iqbal Driver È Driver Branch Car
46 Tariq Husain G/Chowkidar È Messenger Duty with Operations Manager
47 Liaqat Ali G/Chowkidar È Messenger Duty with Manager
48 Mukhtar Ahmed G/Chowkidar È Messenger Duty In Deposit Section
'#&
The Joint Custodian and Chief Cashier along with all Cash officers shall be held responsible for
any penalty imposed by SBP due to the negligence / non completion of work / books and
balancing. All officers will monitor all heads of Cash Department for well in time disposal of
their work and reporting the required information in Daily, Monthly, Quarterly, Annual return to
controlling office / SBP.
+$.0+$.H+0,'..&,#$'!3%#0H$..6&+""$/!&360#-&,-$&(,+"-$&)#'+!0,+"-'(($,&)
'!*'!#-.0)'#+#$'!6+"$"
%#0K ""$/!*&!#"!'#&3
Ghazanfer Mehmood Muhamamd Tariq Javeed Ashraf
OG-II OG-II OG-II
Jawad Riaz Butt Muhammad Ishaq
OG-III OG-III
Rana Asad Ullah Masood Ahmed Khokhar Shahzada Munawar
Masih
OG-III OG-III OG-III
Muhammad Rafique Rana Mueed Liaqat Ali
Bank/Guard Cashier G/Chowkidar
Muhammad Yousaf Ghulam Abbas Tariq Hussain
Cashier Cashier G/Chowkidar
Mukhtar Ahmed Mazhar Iqbal Jamshed Ahmed
G/Chowkidar Driver Cook
Khadam Hussain Abdul Ghaffar Atta Ullah
Messenger Meesenger G/Chowkidar
72
'#&
Every dealing officer/ employee will be responsible for his respective seat and will not leave the
branch before completion of his job / assignment till the end of day program is executed and
EBS is properly shutdown. Incharge of every department / section will be held personally
responsible for his department and will ensure that bank routine work is being done according to
bank's rules and regulations. They are also responsible for keeping up-to-date record of weekly,
monthly, quarterly/ annually Balancing of Books, DTRS, Non Financial transactions for surprise/
Annual Inspection/ Audit to avoid SBP penalties.
It is also notified that in case of any emergency a special assignment can be allotted to any staff
member.
Duties of cash Department are changeable and are on the discretion of the chief Cashier
according to daily requirement / demand on cash counter / need basis.
'#&
 ..,+"-(($,&)"K+"-$&)"+)&$!"#)%,#&3!'##'$""%&"$!/.0"$/!&3)&,&$<#'(
,+"-K'5#5'%,-&)"#'<%6.$,K3&<'"$#')'!-$"6&-+.($&"$!/.0"$/!&3
-&
&,&$<#*%"#6&$""%&3#'#-&3&<'"$#')"+(#&)-+5$!/#-&3'%6.&"$/!+#%)&()'*
(($,&)'5#K&<'"$#"&,#$'!
..#'<.&+"&!'#&#-&$)3%#$&"H$#-(%.."$/!+#%)&"
HR MANAGER Operation Manager

  
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Branch Manager who performs as Operations Manager and Compliance Officer and
Customer Services Officer too.
+#&/')0cc
')2$!/"#+((()'*#'9E$!,.%3$!/
Branch Manager and Operations Manager, Operations Manager acts as Compliance
Officer and Customer Services Officer too.
+#&/')0=ccc
')2$!/"#+((9+!3+6'5&$!,.%3$!/
Branch Manager, Operations Manager, Compliance Officer, Relationship Officer, Credit
Officer and Customer Services Officer.
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Branch Manager, Operations Manager, Compliance Officer, Relationship Officer, Credit
Officer and Customer Services Officer.
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1. Responsible for overall Business affairs of the Branch.
2. Development of Business Plan for the Branch.
3. Marketing of Deposits, Products as well as Commercial and Retail Banking Products.
4. Visiting Bank¶s Customers
5. Negotiations with the Borrowers and Depositors for Facilities, Securities, Pricing.
6. Obtainment of Customer¶s Financials.
7. Sanction of Credit Proposal within his/her Business Discretionary Powers.
8. Processing of Credit Proposal (s).
9. Follow up for making good the shortfall in the pledged goods (Jointly with Operation Manager
& Credit Officer).
10. Follow up for recovery of Finance jointly with Credit Officer.
11. Filing & Persuasion of Suits for Recovery of Finances Below Rs.30. million Jointly with
Credit Officer).
12. Coordination with the Branch Operations Manager in preparation of Budget.
13. Annual Confidential reports of reporting staff.
14. Persuasion of Litigation Cases.
15. Follow-up for recovery of non-performing finance.
16. Processing of Restructuring & Rescheduling requests.
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1. Manage all operations of the Branch by implementing Standard Procedure Manual (SPM),
State Bank of Pakistan Prudential Regulations, Core Principles and all applicable rules and
regulations.
2. Maintain high level of Customer Service Standards in the Branch with particular emphasis on
Cash Counters.
3. Ensure that check and control system is in place.
4. Maintain a zero complaint environment in respect of collection of utility bills, collection /
receipts of Government revenues, pension and salary payments to Government and other
employees in particular, and other customer services areas.
5. Permission to open new Bank accounts.
6. Preparation, implementation and monitoring of Branch¶s Expense Budget jointly with
Manager.
7. Approval of expenses within delegated authority / approved budget.
8. Management and monitoring of Branch cash balances as per rules and regulations.
9. All matters relating to Premises, Equipments, Vehicles and other Dead Stock items.
10. Maintenance & implementation of new IT initiatives in collaboration with IT Department.
11. Proper operations of Lockers, Safe Custody of Articles and other services provided to Bank¶s
customer.
12. Hajj and Zakat operations to ensure prompt and courteous service to the applicants /
customers.
13. Opening of L/Cs and purchase / discounting of Foreign and Local Bills (Processing).
14. Maintenance of Branch Books in accordance with prescribed procedures.
15. Deduction / recovery of service charges as per Bank¶s Tariff.
16. Review of computer outputs in accordance with vouchers, books, registers and
ACRs of the reporting Staff.
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1. Ensure that documentation (Finance +loan agreements, Guarantees, Transfer of Title of
Collaterals, Creation of Charge in Bank's favor etc.) is in accordance with approved terms and
conditions of sanction advices. Tracking and follow-up for outstanding documents (if any) to
ensure execution thereof.
2. Before recording any finance / loan facility information / data into computer system, ensure
that the said facility has been sanctioned by the competent authority.
3. Ensure that disbursements are made only after completion of all covenants, creation of Bank's
Charge / Lien on primary and collateral securities with the concerned authorities and sufficient
stocks have been pledged +hypothecated to cover disbursement as required in the sanction
advice. In case of exceptions necessary approval is obtained from competent authorities.
4. After the Finance +loan facility is sanctioned and withdrawals are allowed, ensure that the
Finance / Loan is constantly monitored by way of keeping track of borrowers' compliance with
credit terms, conducting periodical valuation of stocks and collaterals, physical verification of
collaterals, inspection of stocks pledged / hypothecated with the Bank, identification of early
signs of irregularity (if any) and timely recovery of installments.
5. Ensure that borrowers are communicated well in time as and when the principal +mark-up
installment becomes due. Late payments or non-payment of installments are recorded properly
and the same are conveyed to competent authorities.
6. Ensure compliance to procedural standards and guidelines issued by competent authorities for
maintenance of credit files.
7. Ensure that all security documents are kept in fireproof safes under dual control and registers
for documents are being maintained to keep track of their movement.
8. Arrange fresh and renewal of insurance coverage for all primary and collateral securities on
regular intervals from Bank's approved Insurance company companies.
9. Follow-up with Branch Manager for obtainment of periodical stock reports from borrowers,
Mucadams, Godown Inspectors, Godown Keepers, Godown
Chowkidars, or any other person/company authorized for the job.
10. Review of all Trade Finance related transactions on regular basis and suggest
measures to Branch Manager under advice to Regional Operations Chief.
11. Review of entire portfolio of Finance, Borrowers, Stocks, Primary & collateral
securities and security documents for accuracy on regular basis in consultation
with BLA (if required).
12. In case of any shortfall in the value .of stocks due to market fluctuations, followup
with Branch Manager for making good the shortfall in the value of pledged
stocks.
13. Follow-up with Branch Manager for recovery / regularization of finance.
14. Constant watch of price fluctuations in local, domestic and international markets
to ensure that no borrower or co-obligant is influenced by speculations or get
involved in any other unfair means of business.
15. Arranging insurance policies of appropriate value from approved Insurance
Company / Companies for stocks pledged / hypothecated with the Bank in
prescribed manner and renewal thereof.
16. Overseeing and monitoring of Mukaddams engaged as per Bank policy. Wherever
facility of Mukaddams is not available/not required, supervise the pledged goods
through Godown Keeper(s)/Godown Chowkidar(s) hired by the Borrowers.
17. In case of Category-I branches the operations related and credit administration
functions will continue to be the responsibility of Branch Manager. While the
Branch Manager has solid line reporting to the Regional Business Chief. With
regard to operations and credit administration jobs he/she will also be directly
reporting and be accountable to the Regional Operations Chief and will
accordingly seek guidance and instructions from him/her/her.
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1. He performs the duties of Anti Money Laundering, Supervisory Officer at the
Branch too.
75
2. Daily review of transactions to ensure compliance of Bank, SBP & Local
Regulations.
3. Review of account opening and surprise cash count.
4. Review of maintenance of computer input / output.
5. Periodical physical count of security stationery.
6. Checking of accruals & NBP General Account reconciliation.
7. Preparation of Branch Compliance report.
8. Countersign all Branch Returns to confirm correctness and completeness.
9. Rectification of irregularities pointed out by Internal, External & Regulatory
Auditors.
10. Special reviews of accounts to check Compliance of Anti Money Laundering
regulations. (Reference chapter No.II Para No.82.
11. Acquire and maintain a level of compliance awareness and knowledge of
applicable rules and regulations.
12. Monitor to ensure applicable laws, regulations and Bank¶s policies are being
followed and new or revised laws, regulations and Bank¶s policies are promptly
communicated and followed.
13. Review Audit Reports of Internal / External Auditors and State Bank of Pakistan
Inspection Report and ensure corrective measures are promptly implemented.
14. Report as per schedule all applicable compliance issues to the Operations
Manager and the Regional Compliance Chief.
15. Report promptly about theft, dacoity, fraud, forgeries or any other mishap.
16. State Bank Prudential Regulations.
17. Relevant provisions of existing laws and regulations.
18. Guidelines for ³Know Your Customer´.
19. Anti Money Laundering laws and regulations.
20. Monitor / report suspicious transactions to Chief Compliance Officer of the Bank.
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1. Solicit and establish new credit relationship & maintain existing relationships.
2. Preparation of credit proposals.
3. Public relations and image building of the Bank.
4. Marketing of deposits and other banking products.
5. Assistance to Branch Manager in budget preparation and meeting branch
objectives.
6. Special assignments/projects from Branch Manager.
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1. Identify potential clients within the allocated vicinity and meet them to know and
observe them over time
2. To solicit/attract new clients of good credit growth and profitability to establish
credit relationship with the Bank
3. Maintenance of credit relationship with existing clients & cross-selling the bank¶s
products (Asset as well as Liability Products) to the suitable clients
4. Processing the loan applications, prepare credit proposals, identifying underlying
risks, suggesting mitigates and giving definite recommendations for approval/
decline with justification to facilitate quality lending decision.
5. Liaison between the borrower and the operations manager in completing the
following post-sanction formalities:-
6. Formalities related to collateral / security including creation of charge
7. Execution of Financing Agreements / documents etc
8. Fulfillment of conditions precedent to disbursement, as required in the Sanction
Advice.
9. Maintenance of assigned accounts/ and their related files.
76
10. Coordinate periodical inspection of goods hypothecated/ pledged to the bank.
11. In case of any shortfall/shortage of pledged stock, follow up the client to make the
shortage/shortfall good to restore the original margin.
12. Keep an eye on the various dynamics as well as inherent risks of various
sectors/sub-sectors of exposure and their impact on the borrower¶s business/bank
credit so that proactive measure can be taken before account deterioration.
13. Visits the borrower¶s place of business after disbursement and keep monitoring
his/her business at reasonable interval so any deterioration of client¶s business can
be flagged / reported proactively.
14. Ensure utilization of the loan for the purposes it was sanctioned.
15. Monitoring position of the borrowers accounts after disbursement for immediate
picking up early warning signals and advising/recommending remedial measures
to prevent their movement to the classified category.
16. Review portfolio assigned to him/her to assess any significant change in the risk
profile of the borrower.
17. Maintaining track of the limits expired/nearing to expire, proactively.
18. Monitoring repayment of each account in his/her portfolio.
19. Reviewing trends in credit portfolio on an on-going basis and suggesting
measures to improve the quality of the portfolio.
20. Identify accounts to fall in Watch list and to provide his/her feedback to
RBC/RCMC.
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1. The Credit Officer is responsible for the appraisal and shall process credit
proposal and must provide all relevant information and must make
recommendation of the acceptability of the proposal for financing and should
state what conditions should be applied. The office note should be prepared to
recommend, refuse or decline the loan application if there is no plausible
justification for entertaining.
2. Monitor the credit portfolio of the Branch for Risk Management to recognize
early warning signals and recommend remedial/preventive measures to Branch
Managers.
3. Processing of credit proposal (Jointly with Branch Managers).
4. Follow-up for making good the shortage and shortfall in the pledged goods
(Jointly with Branch Managers).
5. Follow-up for recovery of finance (Jointly with Branch Managers).
6. Filing & persuasion of suits for recovery of finances below Rs.20 million (Jointly
with Branch Managers).
7. Preparation of credit reports on borrowers.
8. Close liaison with local market for ensuring that no borrower or co-obligant has
taken to speculations or unfair means of business.
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%"#'*&) +,$.$#+#$'!(($,&)
1. Customer Services Officer is responsible for complaints handling and ensure zero
complaint level at the Branch.
2. He will acknowledge all the complaints received at the branch from complainant
directly or through Banking Mohtasib/State Bank / Head Office or other
Government Offices.
3. He will maintain a complaint register and record of all the complaint received in
the branch in chronological order and mark the disposal / action taken there
against.
4. He will handle and investigate the complaint in fair and prompt manner.
Complaint made personally should be redressed instantly; complaint received in
writing would be handling in priority. He will contact the complainant and shall
resolve the complaint immediately.
77
5. He must respond to the complainants within 10 working days, if the complaint
needs further investigation an interim reply will be sent by him/her to the
complainant for the time to be taken and expected date of action / response. He
will send final reply to the complainant within 45 working days positively.
6. He will paste on the notice board leaflet in English / Urdu in the reception /
customer area of the branch indicating the procedure for lodgment of the
complaint.
7. He will provide the copy of complaint form for lodgment the complaint with
Banking Mohtasib.
8. He will ensure that the desired services are provided to the customers/clients.
 
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1. Whenever any member of the staff in a Branch or controlling offices comes to
know or has reasons to believe that a serious irregularity or fraud has been
committed or is likely to be committed anywhere in the branch or the controlling
office, he or she, as Bank¶s employee is duty bound to report the matter to
appropriate authorities in confidence so that timely measures could be taken by
the Bank to protect its interest.
2. For providing safeguard against fraud, removing stagnation and making the
services of the officials more valuable to the Bank, their duties should be changed
more frequently without interfering unduly with the smooth working of the office.
3. In all cases where frauds, forgeries, misappropriations, embezzlements and
defalcations are uncovered at a branch, it must forthwith be reported to Head
Office, as per procedure advised by Head Office from time to time and the
delinquent staff/officers should immediately be removed from their seats/places
of work, even when it is not considered appropriate to suspend them, so that
investigation could be conducted unhindered and uninfluenced. The case of fraud,
forgery and misappropriation should be reported to the special investigation cell
of the FIA, concerned / designated agency. The time lag between detection of
fraud, forgery etc., and reporting the same to FIA NAB, concerned/designated
agency should be reduced as much as possible. In cases where there are
sufficient reasons to fear that the suspected person(s) will decamp if not
immediately arrested, time not permitting, a reference to the controlling office,
arrangement should be made with the police that the warrant is issued under a
compound-able section of the Pakistan Penal Code, because if the arrest is made
under a non-compound-able section, the authorities may insist upon a prosecution
which the Bank might consider undesirable. In such an event the operations
manager should act, if necessary, under legal advice and must fax to his/her
controlling office the steps he/she is taking and the reasons thereof.
4. Cases of fraud & forgery will be dealt with and punishment in such cases will be
awarded by Head Office only and not by the Regional Offices irrespective of the
rank and designation of the employee involved therein.
5. Frauds can best be prevented by:
6. Recruiting the right type of persons as employees after getting their antecedents
verified from the police department,
7. Using careful discrimination in accepting new constituents,
8. Inducing the constituents to write cheques with indelible ink,
9. Constantly changing the duties of the staff,
10. Keeping a vigilant watch on the activities of the employees as well as on their
personal accounts,
11. Having surprise visits/inspections of the branches frequently by the Regional
Inspectors/Members of RMT.
12. Carrying out a comprehensive and intelligent check over each day¶s
transactions, and frequently balancing the books/computer output.
78
13. Operations Manager must satisfy themselves daily by an examination of the
books / computer output, of day¶s transactions that they are properly kept and
have been duly checked.
14. The value of surprise inspections / checking of hard copies of day¶s transactions
at end of day and must not be overlooked. In the course of their general
supervision, operations managers and other members of the supervising staff
should call for various books at irregular intervals and scrutinize or check them in
such a way that those directly responsible for their correctness are made aware
that their work is under the eyes of their superiors.
15. Operations Manager should periodically review their office routine with the twofold
object of eliminating any unnecessary work and assuring themselves that
they are abiding by the Bank¶s rules and regulations. In order that certain salient
features may be kept before operations managers and other members of the
supervising staff a monthly certificate in form F-10 will be submitted by every
branch to its Regional Controlling Office on the last working day of each month.
His/her certificate must not be regarded as a matter of form but must be a true
statement of fact and, where necessary, the wording should be altered accordingly
under authentication.
16. Operations Manager must confirm that all the daily transactions sheets generated
by the computer have been checked with relative vouchers / cheques and have
been tallied with the general ledger daily.
 


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‡ Draw cheques against his available bank balance.
‡ Give stop payment mandate and removal thereof.
‡ Terminate his deposit account and claim payments of all sums lying in his
account.
‡ Share in the profit/ losses as earned and determined by the bank in the case of
PLS based deposits.
‡ Have practical bank statements of his accounts.
‡ Get the errors rectified in the bank statement, if any.
‡ Deposit cash and cheques for collection in his account.
‡ Have new cheques book after utilizing the pervious one.
‡ Be informed about any direct operations in his account by the bank.
‡ Sue the bank for wrongful dishonor of his cheque/s along with damages.
‡ Cross, indorse or cancel cheques and other instruments.
‡ Sue the bank for wrongful disclosure of his bank account/balance.
‡ Ask for his balance within business hours.

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‡ Keep the Cheque Book under lock and key.
‡ Take reasonable care in drawing cheques.
‡ Disclose his banker about missing cheques.
‡ Draw the cheques only on the Cheque Book provided by his bank.
‡ Present cheques and other instruments for encashment/collection within business
hours.
‡ Notify the bank in case of any disagreement in the bank statement.
‡ Abide by rules and regulations of his bank.
c
   
‡ Recover charges, if any
‡ Recover outstanding amount of finance and mark up due thereon.
‡ Sell securities upon default by the customer after serving him reasonable notice.
‡ Stop operation of the account in the following circumstances
‡ Death of Customer.
79
‡ Insanity of Customer.
‡ Under Orders of the Court.
‡ Bankruptcy of Customer.
‡ Unsatisfactory Operations (after serving reasonable)
‡ Retain customer¶s funds unless demand arises for its repayment.
‡ Disclose information of his customer¶s account under special circumstances.
‡ Sue for recoveries, if deficient against securities and set off.
‡ Take pledge of hypothecated stocks in case customer fails to adjust his loan
account as per agreed terms.

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‡ Honor cheques of the customer against his available balance.
‡ Abide by standing instruction/s of the customer.
‡ In case deposit account is closed by the customer, to pay the entire amount
through banker¶s cheque/P.O., after satisfying claims (if any.)
‡ Provide periodical bank statements.
‡ Collection of customer¶s cheques.
‡ Maintain secrecy of his customer¶s account (except where exempted).
‡ Inform his customer about:
‡ dishonor of cheques/bills along with reason thereof
‡ closure of his account.
‡ Suspension / stopping operations of his account
‡ Bank¶s intention to sell securities belonging to the customer.
 
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È The Negotiable Instruments Act. 1881
È The Banking Companies Ordinance, 1962
È The Companies Ordinance 1984
È The Contract Act, 1872
È Financial Institutions (Recovery of Finances) Ordinance, 2001
È The Partnership Act, 1932
È The Transfer of Property Act, 1882
È The Bankers Book Evidence Act, 1891
È The Power of Attorney Act, 1882
Others.
80
81
‘  )*

Ô 
R 
"

 %345667
Notice is hereby given that the 60th Annual General Meeting of National Bank of
Pakistan (¶¶Bank¶¶) will be held on Tuesday,
the 28th April, 2009 at 10:30 A.M (PST), at Crystal Ball Room, Marriott Hotel, Karachi.
The following business will be transacted in the meeting:
)3$!+)0%"$!&""
1. To confirm minutes of the 59th Annual General Meeting held on Monday, the
31st March, 2008, at 9:00 A.M.
at Marriott Hotel, Karachi.
2. To receive and adopt the Audited Accounts of the Bank for the year ended 31st
December, 2008, together with
82
the Directors¶ & Auditors¶ Reports thereon.
3. To appoint auditors for the year ending 31st December, 2009 and fix their
remuneration.
4. To consider and approve Cash Dividend @ 65% and Bonus Shares @ 20%
(thereby increasing the Paid-up
Capital of the Bank from Rs. 8,969,751,880/- to Rs.10, 763,702,260/-) as
recommended by the Board of Directors for the year ended 31st December, 2008
(subject to Government of Pakistan/ Regulatory approvals).
<&,$+.%"$!&""
5. To ratify the revision / enhancement of the Directors¶ Fee/Expenses Package.
6. To approve increase in the Bank¶s Authorized Capital from Rs. 10 Billion
(divided into 1,000 Million Ordinary Shares of Rs. 10/- each) to Rs. 25 Billion
(divided into 2,500 Million Ordinary Shares of Rs. 10/- each), as approved by
GoP, vide Finance Division¶s Notification No. F.1 (4) Bkg-III/2002-217/2 dated
March 9, 2009, by passing the following special resolution:
³RESOLVED THAT in terms of Section 4(4) of The National Bank of Pakistan
Ordinance, 1949, the increase in the Bank¶s Authorized Capital from Rs.10 Billion
(divided into 1,000 Million Ordinary Shares of Rs. 10/- each) to Rs.25 Billion (divided
into 2,500 Million Ordinary Shares of Rs. 10/- each) as approved by GoP, vide Finance
Division¶s Notification No. F.1 (4) Bkg-III/2002-217/2 dated March 9, 2009, be and is
hereby approved.´ par
7. To approve donation of Rs.190, 891.45 to one or more charitable trust(s) /
Welfare Association(s) or any other institution / organization engaged in the
welfare of human being, by passing the following ordinary resolution
³RESOLVED THAT the donation of Rs.190, 891.45, being the net sale proceeds of
2,694 fractional Bonus Shares - 2007 to one or more charitable trust(s) / Welfare
Association(s) or any other institution / organization engaged in the welfare of human
being, name(s) of which will be approved by the President (NBP), be and is hereby
approved.´
0%
 486%('
 497:( ( 
 
   ;
1
8. To transact any other business with the permission of the Chairman.
By Order of the Board
Karachi. (S. Ali Raza)
Dated: April 06, 2009 President
'#&
i) The Share Transfer Books of the Bank shall remain closed from April 18, 2009 to
April 28, 2009 (both days inclusive). Transfers received at Messrs THK
Associates (Pvt) Ltd., Ground Floor, State Life Building No. 3, Dr. Ziauddin
Ahmed Road, Karachi, the Bank¶s Registrar and Share Transfer Agent, at the
close of the business on April 17, 2009 will be treated in time for purpose of the
entitlement of Cash Dividend / Bonus Shares.
ii) A member entitled to attend and vote at the Annual General Meeting is entitled to
appoint another member as a proxy to attend and vote on his / her behalf. The
Government of Pakistan and State Bank of Pakistan and any Corporation(s), being
member of the Bank, may nominate any person as its representative to attend the
Annual General Meeting under authority of a Power of Attorney or a Board of
Directors¶ Resolution. Proxies or nominations, in order to be effective and valid,
83
must be received at the office of the Bank¶s Registrar / Transfer Agent, Messrs
THK Associates (Pvt) Ltd., Ground Floor, State Life Building No. 3, Dr. Ziauddin
Ahmed Road, Karachi, not less than 48 hours before the time of holding the
Annual General Meeting.
iii) The CDC Account Holders and Sub-account Holders, whose Registration details
are available in the Share Book Detail Report shall be required to produce their
respective Original Computerized National Identity Cards (CNICs) or original
Passports at the time of attending the Annual General Meeting to facilitate
identification. Such Account Holders and Sub-Account Holders should also bring
/ know their respective participant I.D. Number and the CDC Account Number. In
case of proxy, he/she must enclose an attested copy of his / her CNIC or Passport.
Representative(s) of corporate member(s) should bring usual documents required
for such purpose.
iv) Members are requested to immediately notify any change in their addresses to the
Bank¶s Registrar / Transfer Agent, Messrs THK Associates (Pvt.) Limited.

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During my internship at this particular branch of national bank of Pakistan, there are following
problems I have found which are directly affect on efficiency and performance of the bank.
There problems are also called as an internal problems. So these are discussing below.
9
+,2('**%!$,+#$'! *'!/
-&*<.'0&&"
During the period of my internship I found this problem as a biggest problem that, they are not
very effective in communication between themselves. They do not share the experience with
each other and do not care the other employee. If one employee has a problem, then he asked to
other, but he does not give clear solution to that problems. They are shows the facial expressions
against each other. Pension manager and other employees are always tried to gain
cash/performance award and use the references to get it. They are talk against each other in front
of me. So finally it is very needy for a public services organization to keep atmosphere friendly
among the management and employees. National bank of Pakistan (Tech Society Branch) is lack
in communication skills among the employees.
;c!&((&,#$5&%6.$,&+.$!/
There is also a big issue that they think its government¶s bank so it does not care customers. It is
a wrong perception. There must be a good public dealing in public service organization. If one
customer asked a question twice. They angry on him and stop working. I personally experienced
in pension department. The manager pension had no respect to the old pensioner and he used
wrong wording against them same is also happened in bills executive in bills is also angry on
Customers, when they asked question twice, so there should be solve this problem to create a
good environment of the NBP.

+,2('**$#*&!#
Lack of commitment is also a big problem faced by the national bank of Pakistan (Civil
Lines Branch Gujranwala). Employees are not committed to the work and their duties.
This is very common problem.
Employees are not very committed to their jobs and duties. Top management is also not
very committed to this branch. They are not providing employee needed for the clearing
seat after transfer of the previous employee.
:
'H(($,$&!,0(*<.'0&&"
Efficiency of employees is also low at this branch. For example an employee whose
name I do not want to mention has 10 years experience at national bank of Pakistan but
he is not professional even at single seat in the bank. Where he assign the result is zero.
84
E '#&)0&/%.+) !3%!,#%+.
Regularity and punctuality shows the character of a big and good executive. But this
problem is also faced by the NBP. Many executives do not come at time.

+,2'('*<%#$!/2$.."
Computing skills are also low, some executive are very efficient in computing skills but
some are not totally aware from this system. For example ATM machine at this branch is
only handled by cash manager. When cash manager is on leave due to some reason,
ATM machine is off not worked because no body knows to run this machine. Western
Union is not worked effectively. The person who handled western Union is careless and
other employees are not taken interest in that task.
A$"%"&(&"'%),&"
Resource are very needy, so there must be avoid to misuse the resources but in this
branch it is reverse case, there is very wrong use of the resources, employees does not
take care of resources and not used them in right direction.

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Determine the customer satisfaction and improve perceived levels of service.
A customer¶s view of your business will help to increase bank¶s profit.
Report competitive strengths and weaknesses to higher management.
Confirm the integrity of employees, company procedures and control.
Support an incentive program that will boost employee¶s productivity and loyalty.
Identify problems whether large or small.
Minimizing turnover and eliminate wasted time by employees through sound job design.
Encouraging employees, who probably know more about their jobs than anyone else. Practicing
sound human relations and creating a work atmosphere that promotes job satisfaction.
Hire new computer literate staff and increase work space.
9E
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Here are some tips for dealing with a difficult person or negative message:
1. ')/$5&Remember that at our very core, we are good, but our judgment becomes clouded
and we may say hurtful things. Ask yourself, ³O(+ 
 


#<³
2. +$#$#%#: Sometimes I feel compelled to instantly send an email defending myself. I¶ve
learned that emotionally charged emails never get us the result we want; they only 


. What is helpful is inserting time to allow ourselves to cool off. You can write the
emotionally charged email to the person, just don¶t send it off. Wait until you¶ve cooled off
before responding, if you choose to respond at all.
3. B'&"$#)&+..0*+##&)$(c+*)$/-#N´ Sometimes we respond with the intention of defending
the side we took a position on. If you find yourself arguing for the sake of being right, ask ³
%+%#<´ If yes, then ask ³O
+
#<O+#<³
4. '!4#&"<'!3: Many times when a person initiates a negative message or difficult attitude,
they are trying to trigger a response from you. When we react, we are actually giving them what
they want. Let¶s stop the cycle of negative snowballing and sell them short on what they¶re
looking for; don¶t bother responding.
5. #'<
+.2$!/ 6'%#c#: When you have a problem or a conflict in your life, don¶t you find
that people just love talking about it? We end up repeating the story to anyone who¶ll listen. We
express how much we hate the situation or person. What we fail to recognize in these moments is
that the more we talk about something, the more of that thing we¶ll notice. Example, the more we
talk about how much we dislike a person, the more hate we will feel towards them and the more
we¶ll notice things about them that we dislike. Stop giving it energy, stop thinking about it, and
stop talking about it. Do your best to not repeat the story to others.
6. &c!
-&$)-'&": As cliché as this may sound, we tend to forget that we become blind-sided
in the situation. Try putting yourself in their position and consider how you may have hurt their
feelings. This understanding will give you a new perspective on becoming rational again, and
may help you develop compassion for the other person.
7.
''2(')#-&
&""'!": No situation is ever lost if we can take away from it some lessons that
will help us grow and become a better person. Regardless of how negative a scenario may
appear, there is always a hidden gift in the form of a lesson. Find the lesson(s).
8. -''"&#'.$*$!+#& &/+#$5&&'<.&c!'%)
$(&: Negative people can be a source of
energy drain. And deeply unhappy people will want to bring you down emotionally, so that they
are not down there alone. Be aware of this. Unless you have a lot of time on your hands and do
not mind the energy drain, I recommend that you cut them off from your life. Cut them out by
avoiding interactions with them as much as possible. Remember that you have the choice to
commit to being surrounded by people who have the qualities you admire: optimistic, positive,
peaceful and encouraging people. As Kathy Sierra said, ³Be 
the change you want to see
in the world.´
9. &,'*&#-&6"&)5&): When we practice becoming the observer of our feelings, our thoughts
and the situation, we separate ourselves away from the emotions. Instead of identifying with the
emotions and letting them consume us, we observe them with clarity and detachment. When you
find yourself identifying with emotions and thoughts, bring your focus on your breathe.
10. '(')+%!« or a swim, or some other workout. Physical exercise can help to release the
negative and excess energy in us. Use exercise as a tool to clear your mind and release built up
negative energy.
11. ')"#+"&,&!+)$': Ask yourself two questions, ³++
(
 
# %<³, ³++
(
# %<´
Answering these questions often adds perspectives to the situation, and you¶ll realize that
nothing good will come out of reacting. Your energy will be wasted, and your inner space
disturbed.
12. 5'$3&+#&3$",%""$'!": When we¶re emotionally charged, we are so much in our heads
that we argue out of an impulse to be right, to defend ourselves, for the sake of our egos.
Rationality and resolution can rarely arise out of these discussions. If a discussion is necessary,
wait until everyone has cooled off before diving into one.
13. '"#c*<')#+!#: List out things in your life most important to you. Then ask yourself, ³O
 ( #%%%<³
4. '%)'!&0: This doesn¶t always work, but sometimes catches people off guard when they¶re
trying to ³Pour Poison´ on you. Compliment the other person for something they did well, tell
them you¶ve learned something new through interacting with them, and maybe offer to become
friends. Remember to be genuine. You might have to dig deep to find something that you
appreciate about this person.
15. G<)&""c#: Take out some scrap paper and dump all the random and negative thoughts out of
you by writing freely without editing. Continue to do so until you have nothing else to say. Now,
roll the paper up into a ball, close your eyes and visualize that all the negative energy is now
inside that paper ball. Toss the paper ball in the trash. Let it go!.

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-0+)&#-$"'<<')#%!$#0+!3!'#+-&+3+,-&N
Here's why: irritate one customer and they'll tell a hundred people about their bad experience, but
deal with them correctly and they will become a loyal and happy customer.
That's why it is so important to maintain warm positive relations with your customers²after all,
they're handing you money every month²treat them and their money with the respect they
deserve.

-&0*+06&%<"&#6&,+%"&of billing charges they weren't expecting, or the product or service
wasn't what they were expecting, or delivery was later than promised, or they misunderstood
your procedures and practices, or sometimes it is a genuine error on your part, and there are also
times when it is simply a figment of the customers imagination. Whichever it is, how you and
your staff deal with the situation will make the difference between a loyal and satisfied customer,
and a customer who leaves you for the competition.

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-&+6"'.%#&($)"##-$!/to remember in dealing with a customer's complaint is to listen. Don't
interrupt, just let them talk. We all want to think that people are paying attention to our needs, so
pay attention and let them talk their frustrations out. Often, just letting them vent their
frustrations is enough to defuse an angry customer. Sometimes, if you let them talk and explain
their frustration, they end up actually switching sides and start defending you.
M
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M%&"#$'!"-&.<0'%get to the real problem and not just the one they called you with.
There are times, when dealing with intricate or complicated matters, that the customer's
frustration is more with them for not understanding what's going on than it is with you.
By asking questions you accomplish two things:
(1) You are able to clarify the areas of concern, and insure that you are both talking about the
same thing, and
(2) You demonstrate that you care about the customer and the problem.

c

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&##-&*2!'H#-+#you understand why they are frustrated, and that you care about eliminating
their frustration.
Don't ever try to make excuses. Always acknowledge how upsetting the situation can be and
assure your customers that you want to provide them relief as quickly as possible.


c 
"2#-&*-'Hthey would like the situation resolved. They may not want what you think they
want. Yes, it is true that sometimes what they want is unrealistic, but try to accommodate their
desires as much as possible.
Doing a little extra to resolve the situation will go a long way towards satisfying the customer
and winning their continued support.
   c 
.H+0"<+%"&6&(')&you respond that pause indicates that you are thinking about what they
have said and that you are formulating an appropriate response, not just rattling off some stock
answer that you tell everyone.
In reality, you may be responding with a stock answer, but the customer needs to feel that the
answer was unique and special for them. They need²and deserve²to be treated like an
individual and not some number.
 C
 

-'&5&)/&#"#-&$)+#&,%"#'*&)first should have as much authority as possible to resolve
customer disputes.
No one wants to be on hold while you "talk with your supervisor," or "see what you can do," or
be passed around. Let their first point of contact be their last, no matter how far down the chain
of command that person might be.
Handling and resolving customer complaints should be one of the first things any new employee
learns. If you can't trust your employees to make intelligent and sensitive decisions then why did
you hire them in the first place?

Mc

''!&H+!#"#'H+$#hours or even days for some sort of resolution. When you make the
customer wait, you are adding to the frustration and the problem, not resolving it.
 !3($!+..08"*$.&
Let them be the grump, you be the ray of sunshine that is taking care of their problem. Be
pleasant.
Their problem may be insignificant to you or may appear to be irrational, but it is serious to your
customers. Respect that concern and behave accordingly.
'H8$!3&(&!"&'(#-'"&H-'-+5&-+3#-&#'#+..0$))+#$'!+.,%"#'*&),'*<.+$!#
I understand you completely. Sometimes the customer is completely and irrevocably wrong, and
no amount of special treatment or consideration is due them.
Unfortunately, there are those who²even after having reality explained to them²want you to
give them some sort of credit on their account, and may even throw out the old saying, "The
customer is always right."
##-$"<'$!#0'%-+5&#H',-'$,&"
First, you can give in and give them some sort of credit or adjustment to their bill, but I fear that
no matter what you do, you will never be able to make them happy.
Second, you can decide that no matter how much this customer is paying you, it simply isn't
worth the grief and hassle of putting up with this much hostility, and stop doing business with
them.
0H')3"#'0'%+)&"$*<.&

-&,%"#'*&)$"!'#+.H+0")$/-#P6%##-&0+)&+.H+0"#-&,%"#'*&)

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If you have to work with difficult people every day, you probably dread going to work each
morning. What's more, you might get so stressed that you can't concentrate on the job.
Have you ever wondered why some people are difficult to work with?
³Individuals behave in a difficult manner because they have learned that doing so keeps others
off balance and incapable of effective action. Worst of all, they appear immune to all the usual
methods of communication and persuasion designed to convince or help them change their
ways,´
The following strategies for coping with such people:
'H#''<&
Avoid these ³don'ts´ when dealing with difficult people:
š Don't take difficult people's behavior personally. Their troublesome behavior is habitual and
affects most people with whom they come in contact.
š Don't fight back or try to beat them at their own games. They have been practicing their skills
for a life time, and you're an amateur.
š Don't try to appease them. Difficult people have an insatiable appetite for more.
š Don't try to change them. You can only change your responses to their behavior.
Here's how you can cope effectively with four common types of difficult people.
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Stand up to them, but don't fight. Overly aggressive people expect others to either run away from
them or react with rage. Your goal is simply to assertively express your own views, not try to
win a battle of right and wrong.
First, wait for the person to run out of some steam. Then call the person by name and assert your
own opinions with confidence.
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Difficult people are experts at taking potshots and making sneak attacks in subtle ways, such as
humorous put-downs, sarcastic tones of voice, disapproving looks and innuendoes.
You may feel uncomfortable replying to them because you don't like confrontation. This,
however, allows snipers to get away with their covert hostility.
Respond to a sniper with a question. ³That sounds like you're making fun of me. Are you?´ A
sniper usually replies to such accusations with denial, ³I'm only joking.´
Nevertheless, questioning covert attacks will reduce the chance for similar attacks in the future.
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These are fearful people who have little faith in themselves and others because they believe in a
hostile world. Their constant discouragement and complaining can bring everyone to despair.
³Don't try to argue these difficult people out of their negativity. Instead, respond with your own
optimistic expectations,´.
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People who ignore you, give you sullen looks, and/or respond to every question with either ³I
don't know´ or silence are difficult because they're timid. Silent people get away with not talking
because most people are uncomfortable with silence and are too quick to fill in the gaps. Ask
them questions that can't be answered with just a ³yes´ or ³no,´ such as, ³Why is it
uncomfortable for you to answer my questions?´ Then wait at least one full minute before you
say anything. This long silence may make them uncomfortable enough to say something. If they
do start talking, listen carefully.
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Dealing with difficult people takes practice, so don't get discouraged. Although these strategies
won't change the difficult people, they will break their ability to interfere with your effectiveness.
Most important, you'll feel more confident and you'll start to enjoy your workdays.

 
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/)&&*&!#')<')+#$'!Corporation charted by a state bank to engage in international
banking; so named because the corporation enters into an agreement with board of
governors to limit its activities to those permitted an Edge Act corporation.
%#'*+#&3#&..&)*+,-$!&
Computer-controlled terminals located on the
premises of financial institutions or elsewhere, through which customers may make
deposits, withdrawals, or other transaction as they would through a bank teller.
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$..A short term obligation of US treasury (13, 26,0r 52 weeks maturity).
'!3"a long term obligation of US treasury (more than ten years maturity)
QR
&!#)+.+!2The principal monetary authority of nation, a central bank performs
several key functions, including issuing currency and regulating the supply of credit in
the economy. The SBP is the central bank of Pakistan.
-&?%&.&+)$!/: The movement of chaeques from the bank or other depository
institution where they are deposited back to those on which the y are written, and funds
movement in the opposite direction.
'..+#&)+.Property that is offered to secure a loan or other credit and that becomes
subject to seizure on default. (Also called security).
'**&),$+.+!2: A Bank that offers a broad range of deposit accounts, including
checking savings and time deposits, and extends loans to individual and businesses.
Commercial banks can be contrasted with investment banking firms, such as brokerage
firms, which generally involved in arranging for the sale of corporate or municipal
securities.
'))&"<'!3&!#+!2A Bank that accepts deposits of and performs banking services
for other depository institutions
)&3$#The promise to pay in future in order to buy or borrow in the present. The right
to defer payment of debit.
)&3$#+)3Any card, plate, or coupon book that may be used repeatedly to borrow
money or buy goods and services on credit.
)&3$#')#-$!&""A creditor¶s measure of a consumer¶s past and future ability and
willingness to repay debits.
%))&!# ,,'%!#+.+!,&The difference between the nation¶s total exports of goods,
services and transfers and the total imports of them. Current accounts balance calculation
exclude transaction in financial assets and d liabilities.
90
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&6$#+)3A card that resembles credit a credit card but which debits a transaction
account (checking amount) with the transfers occurring contemporaneously with the
customer¶s purchase.
$",'%!#+#&Interest rate at which an eligible depository institution may borrow
funds, typically for a short-term period, directly from a Federal Reserve Bank.
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)+!"(&)
Transfer of funds electronically rather than by
cheque or cash. The Federal Reserve¶s fed wire and automated clearinghouse services are
EFT system.
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)+!"(&)0"#&*"=
A variety of system and technologies for
transferring funds (money) electronically rather than Cheque. This includes fed wire,
automated clearinghouses (ACHs) and other automated system.
G,-+!/&+#&The price of a country¶s currency in terms of an other country¶s
currency.
Q R
$!+!,$+.c!"#$#%#$'!An institution that uses its funds chiefly to purchase financial
assets (loan, securities) as opposed to tangible property. Financial institutions can be
classified according to the nature of he claims they issue.
$!+!,$+.c!"#)%*&!#Any written instrument having monetary value or evidencing a
monetary transaction.
$G&3-+!/&+#&0"#&*Exchange rates between currencies that are set at
predetermined level and don¶t move in response in supply and demand.
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$?%$3$#0(1) The ability of a bank or business to meet its current obligations; (2) the
quality that makes an asset quickly and readily convertible into cash.
QR
'!&0%<<.0The amount of money (coins, paper currency, and checking accounts)
that is in circulation in the economy.
'*$!+.c!#&)&"#+#&"Current stated rates of interest paid or earned.
'#&A medium-term obligation of the U.S treasury; 2-10 years maturity. See also bill
and bond.
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<&!!3)&3$#A line of credit that may be used repeatedly up to certain limit. (also
called a charge account or revolving credit).
QR
+0*&!#"0"#&*Collective term for mechanism (both paper-back and electronic) for
moving funds, payments, and money among financial institutions through the nation. The
91
Federal Reserve plays a major role in the nation¶s payment system through distribution of
currency and coin, processing of cheques, electronic transfer of funds, and the operation
of automated clearinghouses that transfer funds electronically among depository
institutions various private organizations also perform payments system functions.
)&*$%*The amount by which the auction price of a bill, note; or a bond is higher than
its face value.
)$!,$<+.+0*&!#"The face amount of par value of a debt instrument where interest is
paid. The interest payment is not part of the principal.
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&+.$!#&)&"#+#&Interest rat adjusted fro the expected erosion of purchasing power
resulting from inflation.
&,&""$'!A significant that in general economic activity extending over a period of
time.
&"&)5&A depository institution¶s vault cash, (up to the level of its required reserves)
plus balances in its reserve account (not including funds applied to its required clearing
balance).
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+5$!/+!2Depository institution historically engaged primarily in accepting
customers savings deposits and in originating and investing in securities and residential
mortgage loans; now may offer checking type deposits and make a wider range of loans.
&,%)$#$&"Paper certificate (definitive securities) or electronic records (book-entry
securities) evidencing ownership of equity (stocks) or debit obligation (bonds).
%),-+)/&An extra charge imposed on those who purchase with a credit instead of
cash. (Currently, surcharges for credit card purchases prohibited).
QR
#$.$#0Utility theory explains customer tastes and preferences.
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1+)2$/!+#%)&: A signature made by a person unable to sign his or her name. To be
legal valid, the signature must be witnessed by another person.
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www.nbp.com.pk
Mr. Ghulam Abbas ³HR Manager´
Mr. Muhammad Nawaz Cheema
Mr. Shehzad Customer Facilitation Officer (CFO)
Mr. Asghar Kamboh Clearing Incharge
Mr. Ghulam Mustafa Bills Incharge
Mr. Hassan Ali (Credit Officer)
Miss. Sayeda Ruqia Ansar (Credit Officer)
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