“Starting with the name of ALLAH
most Beneficent, most Merciful”
Presentation of Business Communication
ON
NIB Bank Ltd.
Dedication
I want to dedicate this to My Grandparents.
My MOM and DAD, because the helped me a
lot.
And last but not least to my respected teachers
my best friends and my fellow beings.
I am very thankful to Shah Mahmood my friend
who helped me a lot in making this
presentation.
Submitted To:Mr. Muhammad Imran Hanif
Submitted By:Muhammad Imran Khan
BS(IT)2nd
Roll No# 07-37
Computer Science Department
Bahauddin Zakariya University
Multan.
Board Of Directors
Francis Andrew
Thoms P. Sodano
Mahmud ul Haq
Syed Wali
Tan Soo Nan
Willi Wali Kong Chan
Khawaja Iqbal Hassan
Director
Director
Director
Director
Director
Director
President/CEO
Legal Advisor's of NIB Bank.
Rizvi.
Isa.
Afridi. &
Angell.
Advocate & Corporate Consellors
Vision Statement
• To become a leading provider of investment
banking and wealth management services.
• To be a top-3 choice of employers, a premier
developer of human talent, and an organization
that understand and hours its social responsibilities.
Mission Statement
• The values that will desire the bank mission, vision
and culture.
• NIB Bank ltd mission is to provide a banking
experience so unique that it completes each of NIB
Bank customer to want a long term, multi-product
relationship with NIB bank.
Brief History of NIB Bank Ltd.
• NIB Bank Limited commenced banking
operations in October 2003 following the
merger of the former National Development
Leasing Corporation ("NDLC") and the Pakistan
operations of IFIC Bank Limited of Bangladesh
with and into NIB Bank Limited. NIB Bank
Limited was introduced in April 2004, Our
current network of 27 branches strategically
located in all the major cities.
• Financing product menu of NIB Bank Limited
comprised of Auto & Corporate Lease until May
2006 when the first unsecured consumer
product, Personal Installment Loan was launched.
With the launch of Personal Loans, NIB Bank has
entered into the already growing consumer
industry in Pakistan. It's an unsecured Personal
Installment Loan facility for individuals to fulfill
their personal cash deficiencies. An individual
may require this facility to cater to a variety of
personal needs.
Nature of the Organization
NIB Bank has following two
sections.
General Banking:Following four department
in NIB general Banking
Abdali Road Multan.
Customer Service
Department:-
The Customer Service
department deal with the
each and every problem of
there customers.
Structure of the customer
service center
Branch Manager
Relationship manager
Customer
relation
officer
Customer
relation
officer
Customer
relation
officer
Customer
relation
officer
What is customer Service
Department?
Customer service
department open the
customer account.
There are two types of
accounts.
Current account
Saving account
A customer can open
the current account
with Rs. 5000/rupees without any
reference.
Departments of NIB Bank Ltd.
• Customer Service
Department.
• Sales Department.
• Operation
Department.
• Consumer Banking.
There are further four departments of
Consumer Banking Section.
• Sales Department.
• CIU Department.
• Verification
Department.
• Collection
Department.
Business Volume
Three years program from 2004-07
Years
2004
2005
Capital & Reserves
1,219
1,389
1515
3002
Deposits
51,124 55,897
63430
76541
Advances
29,552 32,436
36231
42719
Investment
15,610 15,574
20193
25606
2006
2007
Income
6,102
7,056
8397
8984
Expenditure
5,571
6,822
8368
8814
531
234
29
170
58,480 63,439
72404
89358
Pre-tax Profit
Total Assets
(Less contra Account)
Graph of Business Volume
From year 2004-2007 for 3 years.
Capital & Reserves
Deposits
4,000
80,000
3,000
60,000
2,000
40,000
1,000
20,000
0
0
2004
2005
2006
2007
2004
2005
2006
2007
Investment
Advances
30,000
50,000
40,000
20,000
30,000
20,000
10,000
10,000
0
0
2004
2005
2006
2007
2004
Income
10,000
8,000
8,000
6,000
6,000
4,000
4,000
2,000
2,000
0
0
2005
2006
2007
2006
2007
Income
10,000
2004
2005
2006
2007
2004
2005
Profile of Employees
in Multan Main Branch of NIB
Bank Ltd.
Managing Director
Branch Manager
Operations Manager
Relationship Manager
Commercial Manager
Sales Manager
Group Leader
MIS Coordinator
Processor
Relationship Officer
Total
1
1
1
1
1
8
3
3
2
80
101
Products available from NIB Bank
Ltd.
NIB Bank has introduce three products only
in Multan.
 NIB Auto-Finance.
 NIB SBL (Small Business Loan).
 NIB ATM.
SBL(Small Business Loan)
• NIB Bank Ltd offers the able to the business man
with out any mortgage and plunging and without
any guaranty. In monthly equally in statement
basic for one year to five year. RS introduce the
product to customer through the data calling and
bank visit.
DUTIES AND RESPONSIBILITIES
OF SALES DEPARTMENT.
• There are three teams in Multan for
SBL each team consist of fifteen
relationship officer and one group
leader.
(EACH RO REPORT TO GL AND EACH
GL REPORT TO SM)
What Relationship Officer do?
• Relationship officers deal with customer through
telemarketing and bank visit. They introduce the
product to customer.
• If any customer is villain to get the loan then ROs
take the signature on documents and take the one
years business proof in the shape of sole
proprietorship letter and or NTN (National Tax No.).
Relationship officer complete the customer file and
report to group leader
What do Group leader do?
• After taking the report
from RO Group
Leader will submit
that report to the SM
(Sales Manager).
What do Sales Manager (SM)
do?
• Sales Manager will take the report from the
GL and will thoroughly go through that
report and after that he will send that
report to CIU Department for configuration.
Requirements for SBL.
• Customer should have one year business proof. If the
customer have business name and bank statement, then
bank requires the one year old sole proprietorship letter.
If the customer have personal names statement then
bank requires one year old NTN number.
• NIC copy.
• PTCL should be installed in office.
• Last 7 days markup rate 16% premium IRR 26% to 29%.
• Compound intrust.
Product Features
• Without any guaranty.
• No post dated cheques.
• Built in insurance.
• Fastest processing 7 days.
• NIB current account.
• NIB ATM card.
• Credit limit upto 75000/Bank divided the customer in two categories:-
Establish
NIB (New to Bank)
Establish Customer
• Establish customer is a such customer. Which Bank
relation is more than 1 year or using the products of other
Bank more then 1 year.
Products like:• Credit card
• Running finance
• Auto finance
• Mortgage loan
There is no need of PTCL number. And there is no
need office verification for the establish
customer.
New to Bank
• Any customer wide has no relation with any
bank or such customer which is applying first
time for loan from NIB bank Ltd.
INSTALLMENT SCHEDULE OF
SMALL BUSINESS PLAN
Amount
Years
Years
Years
Years
Years
1
2
3
4
5
50000
4782
2700
2021
1692
1504
100,000
9656
4500
4042
3385
3008
200,000
19130
10800
8084
6771
6017
300,000
28695
16200
12127
10157
9026
400,000
38260
21600
16196
13543
12035
500,000
47826
27000
20212
16929
15044
600,000
57390
32400
24254
20314
18052
700,000
66955
37800
28294
23695
21056
750,000
71738
40500
30315
25387
22560
References and Sources used:
• NIB Bank websites www.nib.com.pk
• Annual reports
• Mr. Ahmad Kaleem Zaffar (TSM) (SBL)
• Mr. Adnan (TSM) Car Financing Manager)
• Mr. Shahid Malik (Collection Management)
• Mr. Shahzad Aslam (CIU Manager)