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Ê 




 
 Commercial banking
 Corporate investment banking
 Cash management services
 Utility bills
 Bop locker
 Online banking
 E-banking
 Agriculture financing
 Collection of utility, demand draft ,pay order, letter of
credit etc
"
  
 Aasaish loan
 Quick cash
 Car loan
 house loan
 Smart cash personal loan
 Motor cycle loan schemes
›
 BOP Current Account
 BOP basic banking Account
 BOP Pehlay Munafa Scheme
 PLS Saving Account
 Senior Citizens Saving Account
 Gharayloo Saving Account
 Ziada Munafa saving Account
 PLS Saving Profit Plus Account
›
 Corporate Premier Account
 Corporate Premier Term Account
 Munafa Hi Munafa Term Account - III
 BOP Tijarat Account (LCY)
 BOP PLS Supreme Saving Account
 BOP FCY Supreme Current Account
 BOP FCY Supreme Saving Account
 Bai Misaal Term Deposit Account
  

 Green Tractor Lease Finance Scheme
 Agri Finance Branches
 Agricultural Finance Scheme Kissan Dost Tractor Scheme
 Second Hand Tractor Lease Finance Scheme
 Kissan Dost Aabiari Scheme
 Kissan Dost Mechanization Support Scheme Kissan Dost
Farm
 Transport Scheme
 Kissan Dost Eslah-E-Arazi Scheme
  

 Kissan Dost Live Stock Development Scheme
 Livestock Breed Improvement Trough VVW
 Kissan Dost Commercial Agro Services
 Kissan Dost Agri Mall Finance Scheme
 Corporate Farming Finance Scheme Commercial Lease
 Finance Tractor Scheme
 Demand Finance-Sheds Construction and Civil Works
 Lease Finance Facility for Milch Animals
  

 ›unning Finance-Livestock/Poultry and Fish Farms
 Kissan Dost Model Dairy Farms (PDDC)
 Kissan Dost Model Milk Collection Center (PDDC)
 Kissan Dost Green House Finance Facility Kissan Dost Cold
 Storage Finance Facility
 Scheme for Controlled Sheds
 Lease Finance Facility for Installation of Biogas Plant
 Group Financing to Small Farmers
 Clean Credit Facility through Syngenta Franchisees
 Zarkaashat Drip Irrigation System
 Markup of Schemes
Ê  

 Educational institutions
 Agriculturists
 Pakistan telecommunication private ltd.
 Wapda
 Pharmaceutical companies
 Wasa
 Mda
Ê  
 Bop Punjab entertains every person from all walks of
life.
 From consumer banking to corporate banking
 From personal loan to commercial loan
 Small business to huge organizations
"


 Bop has its own market value and worth no one is
direct competitor of bop but some banks are to some
extent are competitors of bop
 UBL
 ABL
 Faisal bank
 HBL
 AL-Falah Bank
"
 
 Bop has no customer gap they have a lot offers
products schemes for customers so a customer finds a
better products and scheme for him .
d 
 
 They use following ways to create awareness
 Billboard
 Holdings
 Indoor (inside branch) streamer, stands .etc
 Direct marketing
 Telemarketing
"
  

 A good customer is very important for company.
 They offer new services ,products ,schemes , offers to
retain old customer for example 5% free petrol on
credit card use.
 If a customer is dissatisfied then they try to solve its
problem as soon as possible and also offers him extra
service for satisfaction.
M Ê 
Strengths
 BOP is majority owned (51%) by the government of
Punjab. It has an asset
base of PK›165 billion & total deposits of PK›138
billion
 The bankǯs management realizes the necessity of
existence of effective internal controls to ensure
smooth operations in current technical and swift
business environment.
 The bank has been proactive in adopting measures to
monitor and mitigate
risks associated with banking industry. Bank has been
meticulously following
requirements necessitated under Institutional ›isk
Assessment Framework (I›AF)
questionnaire.
 
 Advertisement on electronic media has not been seen
 Lack of proper internal controls
 The recipients of the huge loans include owners of
some companies that do not
exist at all.
 In other cases, fake identity cards were used and over-
evaluated
properties were pledged as collateral.
M Ê 
Opportunities
 Progressive but cautious business expansion with
strategic branch network
extension and introduction of innovative products in
all areas of business.
 BOP should emphasize much on e-banking
 Commencement of new schemes there can even be a
greater increase in its deposits
M Ê 
Threats
 Adverse impact of DzCredit Crisis dz can adversely effect
BOP
 Competitors
ñ



 On performance basis
 Yearly bonus
 Increment
 Change in rank
 Non monitory compensation
 Increase in Facilities
 ›ewarding employees results in high commitment of
employee with company
 
 
 Bop gives a lot importance to physical evidence they
change the decoration,furniture,equipment etc
frequently so the customer can get more attraction
towards the branch feel very comfortable
 More user friendly branches
¬ 

 There are customers who always expect very high level
of service and more of the time these are unrealistic.
You can never satisfy those customers they always keep
on demanding more and complaining.
"
  

 Bop offers such services that delight customers
because bop has different services which fits on
customer demands.

d   
 No they are not using any official marketing research
d  

 The total quality managementdepartment of bank of
Punjab visits his all branches frequently to check the
customer service level.
M  

 Customer oriented
 ›apid services
 Schemes
 Wide range of products
 Latest technology
 Kisan dost schemes
 In short bop has its own worth in banking sector