COMPANY NAME
NATIONAL BANK OF PAKISTAN
INTRODUCTION AND HISTORY OF THE OF THE COMPANY
QNO1: How the company started?
ANS: National bank was established on 8th November 1949 through passing of a special ordinance in
the National Assembly. The need for its establishment came due to the reason when there was a need
of a regulating authority, so National Bank was made as a states bank to regulate for the time being.
QNO2: What was the idea and who was behind of this business?
ANS: Alexander Hamilton was behind the business of banking, he firstly started National Bank in
America in 1971.
The idea was to:
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Have the federal government assume the revolutionary war debts of the several states.
Pay off the war debts.
Raise the money for new government.
Establish a National Bank and create a common currency.
QNO3: What were the company’s initial goals as compared to those of now?
ANS: Bench mark goal of banks are their advances to certain extent which remains in progress and
according to that income generates. In other words, enhancement of their advances/loans and generate
income.
CURRENT PROFILE
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These products and offerings are given by the bank: NBP Advance services
 NBP Choice – Current Amount
 Asaan Account
 Premium Aamdani
 Premium Saver
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Bancassurance
Saibaan
Advance Salary
Cash Card
Cash n Gold
Kisan Taqat
Kisan Dost
NBP Pegham
NBP Online
NBP Helpline
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Retail products which are in line with the structure products like Advance Salary, Gold Finance,
Agricultural Financing have the strongest position in the market. 5.
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Yes, National Bank wants to expand its operations in branch networking. Mostly banks want to expand
its network in the ‘c’ pack to grab the international business.
DEPARTMENTS, FINAL PRODUCT/SERVICE, ORGANIZATIONAL STRUCTURE AND
MANAGERIAL FUNCTIONS
 Following are the departments present in the bank: Human Resources Department
 Compliance Department
 Audit Department
 Operation Department
 International Department
 Credit Management Department
 Commercial Retail Department
 Investment Banking Department
 Corporate Banking Department
 Risk Management Department
 Treasury Settlement Department
 Financial Control Department
 Information Technology Department
 Strategic Marketing Department
 Assets Recovery Department
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HUMAN RESOUCES DEPARTMENT:
Provide more talented Human Resource in all NBP functional areas in relation to competition keep
motivated all the employees and maintain total industrial harmony.
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COMPLIANCE DEPARTMENT:-
The duty of this department is to ensure that transactions are treated correctly and in compliance with
rules and regulations and the balances are reconciled.
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AUDIT DEPARTMENT:
It facilitate external auditor and its function is to make sure that all the departments are working
according to the rules, regulations and policies.
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OPERATION DEPARTMENT:
This department is focused towards good quality customer service. They made concerted efforts and
took a number of initiatives.
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INTERNATIONAL DEPARTMENT:
NBP has the largest franchise in terms of assets. They present in four continents and have various
branches in all the countries that are major trading partners of Pakistan. The bank’s International
Operations strategy is focused towards increasing trade business and expand where the bank has
competitive advantage.
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CREDIT MANAGEMENT DEPARTMENT:
Credit Management system is based on elaborated risk assessment and credit rating system to ensure a
very objective and timely assessment of each proposal.
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COMMERCIAL RETAIL DEPARTMENT:
Commercial Retail department 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. It is a unique public – private partnership where debts servicing is shared by
the government, as well as providing free life and disability insurance.
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INVESTMENT BANKING DEPARTMENT:
In Investment Banking, bank’s main function is to invest its assets in shape of money to generate
maximum profit for the purchase of more assets and decrease the liabilities.
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CORPORATE BANKING DEPARTMENT:
The Corporate Banking achieved excellent results in 2007 with a number of landmark transactions in
cement, energy, and communication and fertilizer sector. The increasing pressure on the textile industry
reduce the landing to this sector i.e. corporate business in private credit investment. NBP not only
maintain its share but also in a position to meet any challenge in future.
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RISK MANAGEMENT DEPARTMENT:
NBP is continuously upgrading its risk management process to identify, evaluate and manage risk.
During the year the bank was established an operational Risk Management unit to supplement its
already established credit and market risk units for comprehensive risk management.
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TREASURY SETTLEMENT DEPARTMENT:
NBP has the largest treasury of size. They are a major player in the foreign exchange and money market
and are a primary dealer of government securities. They have the capabilities to offer structured products
to their customers as per their needs.
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FINANCIAL CONTROL DEPARTMENT:
The financial statements are balance sheet, profit and loss account, cash flow statement of changes in
equity and notes forming. Proper books of accounts have been maintained. Appropriate accounting
policies have been applied in the financial statement and accounting estimates.
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INFORMATION TECHNOLOGY DEPARTMENT:
IT support improve the customer service and reduce cost at the same time. They have elaborated plans for
transformation of the entire IT architecture of the bank by implementing core banking solutions. It will
not only increase their distribution capabilities by many folds but will also simplify their internal
procedures thereby reducing the transactional cost and lead time for service.
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STRATEGIC MARKETING DEPARTMENT:
NBP fully recognizes its responsibilities 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.
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ASSETS RECOVERY DEPARTMENT:
Small and medium enterprises remain the main areas 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
higher growth sector in the near term. The services available to SME are similar to those provided to our
corporate/commercial customers including but not limited to working capital finance, term lending trade
finance, letters of credits and guarantees.
OPERATIONS OF A PARTICULAR PRODUCT/SERVICE:
ADVANCE SALARY/PERSONAL LOAN
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Avail financing upto Rs. 1 million against your salary.
Lowest mark-up rate.
Easy installments of upto 60 months at your choice.
Quick processing and fast disbursement.
No minimum income, colletral and insurance charges required.
For permanent employees of government, semi government and autonomous bodies receiving
salaries through NBP.
OPERATIONS OF A PARTICULAR DEPARTMENT:
HR MISSION:
Provide more talented human resource in all NBP functional areas in relation to competition keep motivated all the
employees and maintain total industrial harmony.
VALUES: They believe that:
 People make the organization.
 People collectively yield results.
 People have ambitions and aspirations to be distinguished and rewarded.
 People form the human capital to be developed and invested in.
JOB OPPORTUNITIES:
 Management Trainees
 Professionals
HR FORUM:
 EMPLOYEES COMMUNICATION PROGRAM:
Employee Communication is considered as a vital tool for employee motivation and promoting their commitment
and loyalty with the organization. It also helps the organization to get the employee feedback on important matters.
Employee communication program has been developed to keep their employees informed about the bank’s product
and service, prudencial regulations, system and controls, compliance of standard procedure and regulatory
requirements, customer service requisites as well as technological developments particularly automation in banking
functions.
SPORTS AND CULTURE:
 NBP Sports Complex
 NBP Cricket Academy
HR EVENTS:
 Conference
 Female Empowerment
 Workshop
 Dialogue Sessions
 Quiz Programs
INTERNAL AND EXTERNAL FACTORS AFFECTING THE ORGANIZATION
 INTERNAL/EXTERNAL FACTOR:
Internal factors including relationship and motivation of employees i.e. internally, bank perform by motivating
their employees because when the more motivation will be given, the more employees do their job sincerely so it
can bring a good impact on bank’s performance whereas external factors including competitors and risk factors i.e.
providing loan to the government for government own properties from where there will be no return of money to
the bank so in this situation it has a bad impact on bank.
 It depends that whether current situation works for company’s advantage or disadvantage.
Recently it works for advantage but it can be change when there would be big amount involved in
any loss bank faces.
MARKETING STRATEGIES AND REASONS FOR THEIR SUCCESS ANF FAILURE:
1. What ways of communication are used by the company?
WAYS OF COMMUNICATION:
 Phones
 Emails
 Intranet
 Core banking system in branches
 Fax
 Letter/Paperwork
2.
What kind of intermediaries are involved in running the business?
A.
No intermediaries in NBP.
3.
What promotional campaigns are currently running for their products/services?
A.
Through advertising of their products, advertising through print media, electronic media.
4.
You will also report whether these strategies have been fruitful to the company.
A.
Yes, these strategies have been fruitful for the bank through more and more advertisement of their
services e.g. Youth loan.
CONCLUSION
As analysis shows that NBP is a most growing organization with
RECOMMENDATION
Our recommendations to the bank are:
 Enhance personal financing.
 More campaigning in regions.
 Increase promotion policies.
 Increase products of their own.
 Credit card financing.