NBP Report Presentation
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Transcript of NBP Report Presentation
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NBP Circular Road Branch 1433
In The Name Of ALLAH The Most Gracious,
Beneficial & Most Merciful.
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Internship Report
Presenter: ROMANA NARGUS
Roll No: 462
MBA(B/F) Session 2009-2011
Department of Business Administration
Gomal University
Dera Ismail Khan
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National Bank of Pakistan
Introduction of NBP
Branch Network
Corporate Information (BOD)
Organizational Structure
Departmentalization of NBP Circular Road Branch (1433)
Commercial & Retail Banking Financial Analysis
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Branch Network of NBP
Domestic & Overseas Branches
There are more than 1289 branches all over the world
The bank is focusing mainly within the country
Number of Branches
There are 1266 Domestic Branches (As of December 2010)
There are 23 Overseas and 4 Representative Offices
There are 5 Subsidiaries and a Joint Venture
Representative Offices
Four Representative Offices are in the cities of China(Beijing),
Uzbekistan(Tashkent), USA(Chicago) and Canada(Toronto)
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Vision
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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Mission
NBP will aspire to the values that make NBP truly the Nations Bank, by:
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 stake holder's value
Discharging our responsibility as a good corporate citizen of
Pakistan and in countries where we operate
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Core Values
Highest standards of integrity
Institutionalizing teamwork & performance culture
Excellence in service
Advancement of skills for tomorrow challenges
Awareness of social & community responsibility Value creation for all stakeholders
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Goals
To enhance profitability and maximization of NBP sharethrough increasing leverage of existing customer base and
diversified range of products.
Excellence inDirection
Excellence in Growth
Excellence inPerformance Excellence inManagement
Excellence inAchievement
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Corporate Information (Board Of Director)
Qamar Hussain Chairman
Dr. Tariq Kirmani Director
Haniya Shahid Naseem Director
Ms. Nazrat Bashir Director
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Organizational Structure
PRESIDENT /CEO
EXECUTIVE VICE PRESIDENT
VICE PRESIDENTASSISTANT VICE PRESIDENT
OFFICER GRADE- IOFFICER GRADE -IIOFFICER GRADE-III
MESSENGERPEON
SWEEPER
BRAN
CH
HIERA
RCHY
SENIOR VICE PRESIDENT
MEMBER BOARD
SENIOR EXECTIVE VICE-PRESIDENT
NBP Circular Road Branch 1433
Branch Hierarchy
Chart
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Departmentalization of NBP Circular Road
Branch D.I.Khan
General Banking Departments consist of following Sections
1. Account Opening Section2. Deposit Section
3. Remittance Section
4. Clearing Section
5. Government/Pension Section
6. Advance Section
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Account Opening Section
This section performs the following functions:
1. Opening of Accounts2. Issuance of Cheque Books
3. Closing of Accounts
Account closing by Customer.
Account closing by Bank.
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Deposit Section
Following types of accounts are open in NBP Circular Road Branch
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Remittance Section
Remittance means a sum of money sent in payment for
something. This Section deals with either the transfer of
money from one bank to other bank or from one branch to
another branch for their customers.
There are Four main modes of Remittance used in NBP
Demand Draft Mail Transfer/Online Funds Transfer
Telegraphic Transfer
Traveler Cheques
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Clearing Section
The major function of Clearing Section is to receive the
cheques, which are drawn on some other bank.
The customer can get the money in his account at NBP,
from the cheques drawn on another bank. The bank
accepts these cheques and collects the amount from that
bank on which cheque is drawn through the Clearing
House. Bank charges some commission for this function.
National Institutional Facilitation Technology (NIFT)
Pvt. Limitedis performing the function of clearing and
charges commission against it.
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Advance Section
Advance means To give loan to theparties amount may be
small orbig. Advances Section is one of the most sensitiveand important departments of any bank.
To finance the export and import of the country.
To finance the industries, trade and agriculture.
To give loan to student for higher education. To give loan to the business men.
To give loan for house building.
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Govt/Pension Section
Circular Road Branch carries the responsibility of paying pension to the
pensioners.
For this purpose pension books are issued to the pensioners. In this bookthe pensioner has to come personally. Incase he is not able to come line
certificate has to be sent.B-143 register is maintained for the record of
pensioners.
Pension can be refused to a person in following cases:
o The person himself and his life certificate both are not present.
o Signature in the payment voucher is not made.
o He/She has not got pension book.
o Picture is not preset on the pension book.
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Commercial & Retail Banking
1. NBP Advance Salary Scheme (Personal Loan)
2. NBP Cash Gold Scheme (Ready Cash Against Gold)
3. NBP Premium Saver Scheme (PLS Saving Account)4. NBP Kisan Dost Scheme (Agriculture Framing Program)
5. NBP Kisan Taqat Scheme (Dairy Farm Scheme)
6. NBP Premium Aamdani Scheme (Monthly Income Scheme)
7. NBP Karobar Scheme (Mera Apna Karobar)
8. NBP Saiban Scheme (Home Financing)9. NBP Investor Advantage Scheme (Financing Facility for Stock/Retail Investors)
10. NBP Protection Shield Scheme (Personal Accident Insurance)
11. NBP Pak Remit Scheme (Internet Based Home Remittance Service)
12. NBP Student Loan Scheme
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Financial Analysis
The financial statement of any organization shows the results of its
operation and its position in business. The overall objective of
financial statement analysis is the examination of a firms financialposition.
Financial analysis involves the use of various financial statements
e.g. balance sheet, income statement etc.
Horizontal Analysis Vertical Analysis
Ratio Analysis
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Ratio Analysis
Liquidity Ratio -measure of the amount of funds a company canquickly use to settle its debts.
NWC Ratio
Current Asset
Activity Ratio -measure how quickly a firm converts non-cash
assets to cash assets. A/C Receivable Turnover
Total asset Turnover
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Financial Analysis
Leverage/Debt Ratio-measure the firm's ability to repay long-term debt.
Debt Ratio
Debt to Equity Ratio
Profitability Ratios -measure the firm's use of its assets andcontrol of its expenses to generate an acceptable rate of return.
Gross Profit Margin Return On Total Equity
Return on Total Asset
Earning Per Share
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Financial Analysis
Ratios 2008 2009 2010
Current Ratio 6.065% 6.605% 7.128%
Debt Ratio 0.874% 0.874% 0.875%
Debt Equity Ratio 6.98% 6.94% 7.05%
Net Profit Margin 42.80% 33.08% 37.58%
Return On Total Equity 6.79% 6.51% 5.82%
Return On Total Asset 0.74% 0.74% 0.075%
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NBP Circular Road Branch 1433
Thank YouFor Your Kind Attention