8/9/2019 Mc080203376 VU NBP Presentation
1/54
Humayoun Ahmad FarooqiHumayoun Ahmad Farooqi
MC080203376MC080203376MBA (Finance)MBA (Finance)
8/9/2019 Mc080203376 VU NBP Presentation
2/54
National Bank ofNational Bank of
PakistanPakistan
Internship ReportInternship Report
8/9/2019 Mc080203376 VU NBP Presentation
3/54
BriefBriefIntroduction of theIntroduction of theorganizationorganization
VisionVisionTo be recognized as a leader and a brand synonymous withTo be recognized as a leader and a brand synonymous withtrust, highest standards of service quality, internationaltrust, highest standards of service quality, internationalbest practices and social responsibility.best practices and social responsibility.
MissionMissionNBP will aspire to the values that make NBP truly theNBP will aspire to the values that make NBP truly theNations Bank, by:Nations Bank, by:
Institutionalizing a merit and performance cultureInstitutionalizing a merit and performance culture
Creating a distinctive brand identity by providing theCreating a distinctive brand identity by providing thehighest standards of serviceshighest standards of services
Adopting the best international management practicesAdopting the best international management practicesMaximizing stake-holders valueMaximizing stake-holders value
Discharging our responsibility as a good corporate citizenDischarging our responsibility as a good corporate citizenof Pakistan and in countries where we operateof Pakistan and in countries where we operate
Overview of OrganizationOverview of Organization
8/9/2019 Mc080203376 VU NBP Presentation
4/54
Brief history of OrganizationBrief history
of Organization
Established vide NBP Ordinance No. XIX ofEstablished vide NBP Ordinance No. XIX of
November 9. 1949November 9. 1949 Awards and achievementsAwards and achievements
Nature of OrganizationNature of Org
anization
Financial InstitutionFinancial Institution
Largest commercial bank in PakistanLargest commercial bank in Pakistan
Government OrganizationGovernment Organization
Islamic BankingIslamic Banking
BriefBriefIntroduction of theIntroduction of theorganizationorganization
Overview of OrganizationOverview of Organization
8/9/2019 Mc080203376 VU NBP Presentation
5/54
BriefBriefIntroduction of theIntroduction of theorganizationorganization
Business VolumeBusiness Volume
ParticularsParticulars Year ending 2008Year ending
2008
Paid up CapitalPaid up Capital Rs. 8,969,751,00Rs. 8,969,751,000
Shares holders equity and ReservesShares holders equity and Reserves Rs. 81,367,002,00Rs. 81,367,002,000
DepositsDeposits Rs. 624,939,016,00Rs. 624,939,016,000
Advances-netAdvances-net Rs. 412,986,865,00Rs. 412,986,865,000
Investment-netInvestment-net Rs. 170,822,491,00Rs. 170,822,491,000
Total AssetsTotal Assets Rs. 817,758,326,00Rs. 817,758,326,000Pre-Tax ProfitPre-Tax Profit Rs. 23,000,998,00Rs. 23,000,998,000
After-Tax ProfitAfter-Tax Profit Rs. 15,458,590,00Rs. 15,458,590,000
No. of BranchesNo. of Branches 1,271,276
No. of EmployeesNo. of Employees 15,2015,204
8/9/2019 Mc080203376 VU NBP Presentation
6/54
Habib Bank LimitedHabib Bank Limited United Bank LimitedUnited Bank Limited
Muslim Commercial Bank LimitedMuslim Commercial Bank Limited Allied Bank LimitedAllied Bank Limited Askari Commercial Bank LimitedAskari Commercial Bank Limited Soneri Bank LimitedSoneri Bank Limited
Bank Al-Habib LimitedBank Al-Habib Limited Bank Al-Falah Limited.Bank Al-Falah Limited. Standard Chartered Bank LimitedStandard Chartered Bank Limited Other local and foreign banks operatingOther local and foreign banks operating
in Pakistanin Pakistan
BriefBriefIntroduction of theIntroduction of theorganizationorganization
Competitors of OrganizationCompetitors of Organization
8/9/2019 Mc080203376 VU NBP Presentation
7/54
Organizational Hierarchy ChartOrganizational Hierarchy Chart
President
Director/ Senior Executive Vice President
Provincial or Regional Chiefs/ Executive Vice Presidents
Vice President
Assistant Vice President
Officer Grade I
Officer Grade II
Officer Grade III
Clerical / Non-Clerical Staff
8/9/2019 Mc080203376 VU NBP Presentation
8/54
Training ProgramTraining Program
General Banking DepartmentGeneral Banking Department
Opening an AccountOpening an Account
Accepting DepositsAccepting Deposits Making PaymentsMaking Payments
Govt. Receipts and PaymentsGovt. Receipts and Payments
Advances/Credit DepartmentAdvances/Credit Department Retail AdvancesRetail Advances
Commercial AdvancesCommercial Advances
8/9/2019 Mc080203376 VU NBP Presentation
9/54
Structure of FinanceStructure of Finance
DepartmentDepartment
Hierarchy of Finance DepartmentHierarchy of Finance Department
Branch Manager
Retail Officer Credit Officer
Clerical/ Non clerical staff Clerical/ Non clerical staff
8/9/2019 Mc080203376 VU NBP Presentation
10/54
Functions of FinanceFunctions of Finance
DepartmentDepartment Accounting system of OrganizationAccounting system of Organization
Double entryDouble entry
Accrual systemAccrual system
Finance system of OrganizationFinance system of Organization Investing and lendingInvesting and lending
Holding up cash position for other financialHolding up cash position for other financialinstitutionsinstitutions
Use of electronic Data in decisionUse of electronic Data in decisionmakingmaking Core Banking ApplicationCore Banking Application
Electronic Banking systemElectronic Banking system
8/9/2019 Mc080203376 VU NBP Presentation
11/54
Sources of FundsSources of Funds
Deposits and Mark up/interest/returnDeposits and Mark up/interest/return
Fee, commission and brokerageFee, commission and brokerage
Dividend IncomeDividend Income
OthersOthers
Allocation of FundsAllocation of FundsProviding loansProviding loans
ExpensesExpenses
Functions of FinanceFunctions of Finance
DepartmentDepartment
8/9/2019 Mc080203376 VU NBP Presentation
12/54
Critical AnalysisCritical AnalysisBalance Sheet As at December,31Balance Sheet As at December,31
20082008
8/9/2019 Mc080203376 VU NBP Presentation
13/54
Critical AnalysisCritical AnalysisProfit & Loss Account for the year endedProfit & Loss Account for the year ended
December 31, 2008December 31, 2008
8/9/2019 Mc080203376 VU NBP Presentation
14/54
Critical AnalysisCritical AnalysisCash Flow Statement for the year endedCash Flow Statement for the year ended
December 31, 2008December 31, 2008
8/9/2019 Mc080203376 VU NBP Presentation
15/54
Critical AnalysisCritical AnalysisStatement of changes in equity for theStatement of changes in equity for the
year ended December 31, 2008year ended December 31, 2008
8/9/2019 Mc080203376 VU NBP Presentation
16/54
Critical AnalysisCritical AnalysisRatio AnalysisRatio Analysis
Liquidity RatiosLiquidity Ratios
Leverage RatiosLeverage Ratios
Profitability RatiosProfitability Ratios
Activity RatiosActivity Ratios
Market RatiosMarket Ratios Statement of Cash flow RatiosStatement of Cash flow Ratios
Other RatiosOther Ratios
8/9/2019 Mc080203376 VU NBP Presentation
17/54
Critical AnalysisCritical Analysis
2006 2007 2008
142279638/ 524181985 153810681/ 609784513 161976396/ 675617003
27.14% 25.22% 23.97 %
Liquidity RatiosLiquidity Ratios
Current Ratio = (Current Assets/Current Liabilities) *100Current Ratio = (Current Assets/Current Liabilities) *100
where current Assets = Cash and balance with treasury banks +where current Assets = Cash and balance with treasury banks +
Balances with other banks + Short term lending to financialBalances with other banks + Short term lending to financial
institutionsinstitutions
Current Liabilities = Bills payable + Borrowing + other Short termCurrent Liabilities = Bills payable + Borrowing + other Short term
liabilitiesliabilities
2 2 . 0 0 %
2 4 . 0 0 %
2 6 . 0 0 %
2 8 . 0 0 %
20 0 6 20 0 7 200 8
8/9/2019 Mc080203376 VU NBP Presentation
18/54
Critical AnalysisCritical Analysis
2006 2007 2008
(142279638 23012732)/524181985
(153810681 21464600) /609784513
(1611976396 17128032)/675617003)
22.7 % 21.7 % 21.4%
Liquidity RatiosLiquidity Ratios
Acid Test Ratio = (Current Assets-Prepaid Expenses/CurrentAcid Test Ratio = (Current Assets-Prepaid Expenses/Current
Liabilities)Liabilities) *100*100
2006
2007
2008
21.20%
21.60%
22.00%
22.40%
22.80%
2006 2007 2008
8/9/2019 Mc080203376 VU NBP Presentation
19/54
Critical AnalysisCritical Analysis
2006 2007 2008
Working capital 142279638 524181985=
38190234700
153810681 -609784513 ==4559783200
161976396 675617003 =9440939300
Interest earned /working capital
(43788628/38190234700)
(50569481/4559783200)
(50569481/4559783200)
0.11% 1.1% 0.64%
Liquidity RatiosLiquidity Ratios
Sales to working capital ratio = (interest earned/WorkingSales to working capital ratio = (interest earned/Working
Capital)*100Capital)*100
Where working capital= Current assets- current liabilitiesWhere working capital= Current assets- current liabilities
8/9/2019 Mc080203376 VU NBP Presentation
20/54
Critical AnalysisCritical Analysis
2006 2007 2008
(553178593/ 635132711)
* 100
(645855939/ 762193593)*
100
(715299108/ 817758326)
* 100
87.01% 84.73% 87.47%
Leverage RatiosLeverage Ratios
Debt ratio = (Total Debt/Total Assets)*100Debt ratio = (Total Debt/Total Assets)*100
8/9/2019 Mc080203376 VU NBP Presentation
21/54
Critical AnalysisCritical Analysis
2006 2007 2008
(553178593/79090712)*100
(645855939/ 8154319) *100
(715299108/ 8969751) *100
78.01% 79.20 % 79.74%
Leverage RatiosLeverage Ratios
Debt to equity ratio = (Total Debt/Total ShareholdersDebt to equity ratio = (Total Debt/Total Shareholders
equity)*100equity)*100
8/9/2019 Mc080203376 VU NBP Presentation
22/54
Critical AnalysisCritical Analysis
2006 2007 2008
(492853073/
5458977220) *100
(608382912/
677653543) * 100
(655781930/ 737148932)
*100
90.28% 89.77% 88.96%
Leverage RatiosLeverage Ratios
Total capitalization ratio= (Long term debt/(Long term debt +Total capitalization ratio= (Long term debt/(Long term debt +
shareholders equity))*100shareholders equity))*100
where Long term debt= Long term Deposits and other accounts +where Long term debt= Long term Deposits and other accounts +
Other liabilities-long termOther liabilities-long term
8/9/2019 Mc080203376 VU NBP Presentation
23/54
Critical AnalysisCritical Analysis
2006 2007 2008
(492853073/28996608) * 100
(608382912/
36071426) * 100
(655781930/
39682105) * 100
16.99% 16.86% 16.52%
Leverage RatiosLeverage Ratios
Long term asset to long term debt ratio= (Long termLong term asset to long term debt ratio= (Long term
assets/Long term debt)*100assets/Long term debt)*100
16.40%
16.50%
16.60%
16.70%
16.80%
16.90%
17.00%
17.10%
2006 2007 2008
8/9/2019 Mc080203376 VU NBP Presentation
24/54
Critical AnalysisCritical Analysis
2006 2007 2008
(363944869 /43788628)*100
(51145457/50569481)*100
(60933234 /60942798)*100
83.11% 101.14% 99.98%
Profitability RatiosProfitability Ratios
Net Profit Margin= (Profit available for appropriation/netNet Profit Margin= (Profit available for appropriation/net
earning)*100earning)*100
80.00%
84.00%
88.00%
92.00%
96.00%
100.00%
104.00%
2006 2007 2008
8/9/2019 Mc080203376 VU NBP Presentation
25/54
Critical AnalysisCritical Analysis
2006 2007 2008
(36394869 /635132711)*100
(51147457 /762193593)*100
(60933234 /817758326)*100
5.7% 6.7% 7.45%
Profitability RatiosProfitability Ratios
Return on assets ratio = (Net Profit /Total assets)*100Return on assets ratio = (Net Profit /Total assets)*100
5.00%
5.50%
6.00%
6.50%
7.00%
7.50%
8.00%
2006 2007 2008
8/9/2019 Mc080203376 VU NBP Presentation
26/54
Critical AnalysisCritical Analysis
2006 2007 2008
Operatingincoem
26310577 +2371546=28682123
28060501 +4722735=32783236
23000998 +10990814=33991812
(28682123 /43788628)*100
(32783236 /50569481) * 100
(33991812 /60942798) *100
65.50% 64.82% 55.77%
Profitability RatiosProfitability Ratios
Operating income margin =Operating income margin = (Operating income / interest(Operating income / interest
earned)earned) *100*100
Where operating income= profit before tax + ProvisionsWhere operating income= profit before tax + Provisions
52.00%
56.00%
60.00%
64.00%
68.00%
2006 2007 2008
8/9/2019 Mc080203376 VU NBP Presentation
27/54
Critical AnalysisCritical Analysis
2006 2007 2008(36394869/ 625450737)
* 100(51147457/ 736270614) *
100(60933234/ 790336099)
* 100
5.82% 6.95% 7.71%
Profitability RatiosProfitability Ratios
Operating asset turnover = (Profit available for appropriation/Operating asset turnover = (Profit available for appropriation/
Operating assets) *100Operating assets) *100
Operating assets = Total assets fixed assets deferredOperating assets = Total assets fixed assets deferred
tax assetstax assets
5.00%
6.00%
7.00%
8.00%
2006 2007 2008
8/9/2019 Mc080203376 VU NBP Presentation
28/54
Critical AnalysisCritical Analysis
Profitability RatiosProfitability Ratios
Return on Operating asset = (Profit after taxation/ OperatingReturn on Operating asset = (Profit after taxation/ Operating
assets) *100assets) *100
2006 2007 2008
(17022346/ 625450737)* 100
(19033773/ 736270614) *100
(15458590/ 790336099)* 100
2.7% 2.5% 1.95%
1.50%
2.00%
2.50%
3.00%
2006 2007 2008
8/9/2019 Mc080203376 VU NBP Presentation
29/54
Critical AnalysisCritical Analysis
2006 2007 2008
(36394869/139946995)* 100
(51147457/ 211146038)*100
(60933234/ 170822491)* 100
26.01% 24.22% 35.67%
Profitability RatiosProfitability Ratios
Return on Investment = (Net profit available forReturn on Investment = (Net profit available for
appropriation/ investment) * 100appropriation/ investment) * 100
25.00%
29.00%
33.00%
37.00%
2006 2007 2008
8/9/2019 Mc080203376 VU NBP Presentation
30/54
Critical AnalysisCritical Analysis
2006 2007 2008
(17022346/ 53044649) *100 (19033773/ 69270631) *100 (15458590/ 81367002) *100
32.09% 27.47% 18.99%
Profitability RatiosProfitability Ratios
Return on total equity = (net profit after tax/ Total equity) *Return on total equity = (net profit after tax/ Total equity) *
100100
17.00%
22.00%
27.00%
32.00%
37.00%
2006 2007 2008
18.99%
8/9/2019 Mc080203376 VU NBP Presentation
31/54
Critical AnalysisCritical Analysis
2006 2007 2008
(42316608/ 43788628) *100
(47174315/ 50569481) *100
(53473892/ 60942798) *100
96.63% 93.28% 87.74%
Profitability RatiosProfitability Ratios
Gross Profit Margin = (net mark up/ interest income) * 100Gross Profit Margin = (net mark up/ interest income) * 100
87.00%
90.00%
93.00%
96.00%
99.00%
2006 2007 2008
8/9/2019 Mc080203376 VU NBP Presentation
32/54
Critical AnalysisCritical Analysis
2006 2007 2008
(43788628/635132711) * 100
(50569481/762193593) * 100
(60942798/817758326) * 100
6.89% 6.63% 7.45%
Activity RatiosActivity Ratios
Total assets turnover = (interest earned/ total assets) * 100Total assets turnover = (interest earned/ total assets) * 100
6.40%
6.60%
6.80%
7.00%
7.20%
7.40%
7.60%
2006 2007 2008
8/9/2019 Mc080203376 VU NBP Presentation
33/54
Critical AnalysisCritical Analysis
2006 2007 2008
1474605/ 590000 2831895/ 708970 6104894/ 814000
2.5 4 7.5
Market RatiosMarket Ratios
Dividend per share = (Total dividends/ Number of sharesDividend per share = (Total dividends/ Number of shares
outstanding)outstanding)
0
1
2
3
4
5
6
7
8
2006 2007 2008
8/9/2019 Mc080203376 VU NBP Presentation
34/54
Critical AnalysisCritical Analysis
2006 2007 2008
17022349/ 896875 19033733/ 896975 15458590/ 896975
18.97 21.22 17.23
Market RatiosMarket Ratios
Earning per share = (Net Income/ Average number of sharesEarning per share = (Net Income/ Average number of shares
issued)issued)
15
20
25
2006 2007 2008
8/9/2019 Mc080203376 VU NBP Presentation
35/54
Critical AnalysisCritical Analysis
2006 2007 2008
249.05/24.01 259.9/23.34 162.54/17.23
10.37 11.13 9.43
Market RatiosMarket Ratios
Price earning Ratio = (Avg. market price per share/ EarningPrice earning Ratio = (Avg. market price per share/ Earning
per share)per share)
9
9.6
10.2
10.8
11.4
2006 2007 2008
8/9/2019 Mc080203376 VU NBP Presentation
36/54
Critical AnalysisCritical Analysis
2006 2007 2008
(2.5/ 24.01) * 100 (4/ 21.22) * 100 (7.5/17.23) * 100
10.41% 18.85% 43.53%
Market RatiosMarket Ratios
Dividend Payout = (Dividend per share/ Earning per share)Dividend Payout = (Dividend per share/ Earning per share)
10.00%
20.00%
30.00%
40.00%
50.00%
2006 2007 2008
8/9/2019 Mc080203376 VU NBP Presentation
37/54
Critical AnalysisCritical Analysis
2006 2007 2008
(2.5/249.05) *100 (4/259.9) *100 (7.5/162.54) *100
1.01% 1.54% 4.61%
Market RatiosMarket Ratios
Dividend Yield = (Dividend per share/ avg. market price perDividend Yield = (Dividend per share/ avg. market price per
share)share)
0.00%
1.00%
2.00%
3.00%
4.00%
5.00%
2006 2007 2008
8/9/2019 Mc080203376 VU NBP Presentation
38/54
Critical AnalysisCritical Analysis
2006 2007 2008(10176913/ 553178593) *
100(78804419/ 645855939) *
100(2532681/ 715299108) *
100
1.83% 12.20% 0.35%
Cash Flow Statement RatiosCash Flow Statement Ratios
Operating cash flow to total debt = (Operating cash flow / totalOperating cash flow to total debt = (Operating cash flow / total
debt) * 100debt) * 100
0.00%
2.00%
4.00%
6.00%
8.00%
10.00%
12.00%
14.00%
2006 2007 2008
8/9/2019 Mc080203376 VU NBP Presentation
39/54
Critical AnalysisCritical Analysis
2006 2007 200810176913/708970 78804419/896975 2532681/896975
14.35 87.86 2.82
Cash Flow Statement RatiosCash Flow Statement Ratios
Operating cash flow per share = (Operating cash flow /Operating cash flow per share = (Operating cash flow /
Number of equity shares) * 100Number of equity shares) * 100
0
10
20
30
40
50
60
70
80
90
100
2006 2007 2008
8/9/2019 Mc080203376 VU NBP Presentation
40/54
Critical AnalysisCritical Analysis
2006 2007 2008
(10176913/ 2891755) * 100 (78804419/ 3263249) * 100 (2532681/ 28789320) * 100
3.51% 24.14% 0.87%
Cash Flow Statement RatiosCash Flow Statement Ratios
Operating cash flow to cash dividend = (Operating cash flow /Operating cash flow to cash dividend = (Operating cash flow /
Cash Dividend) * 100Cash Dividend) * 100
0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
30.00%
2006 2007 2008
8/9/2019 Mc080203376 VU NBP Presentation
41/54
Critical AnalysisCritical Analysis
2006 2007 200828682123/ 10419 32783236/ 14079 33991812/ 15204
2753 2329 2236
Other RatiosOther Ratios
Net income per employee = (Operating income / number ofNet income per employee = (Operating income / number of
employees) * 100employees) * 100
2000
2300
2600
2900
2006 2007 2008
8/9/2019 Mc080203376 VU NBP Presentation
42/54
Critical AnalysisCritical Analysis
2006 2007 2008635132711/ 14019 762193593/ 14079 817758326/ 15204
45305.1 54136.9 53785.7
Other RatiosOther Ratios
Asset per employee = (Total asset / number of employees) *Asset per employee = (Total asset / number of employees) *
100100
40000
45000
50000
55000
2006 2007 2008
Series1
8/9/2019 Mc080203376 VU NBP Presentation
43/54
Critical AnalysisCritical Analysis
2006 2007 2008
(3575143/ 19033773) *
100
(2011427/ 17022346) * 100 (2532681/ 28789320) *
100
33.93% 11.81% 18.78%
Other RatiosOther Ratios
Growth of Income = (Change in income / income of last year) *Growth of Income = (Change in income / income of last year) *
100100
where change in income = income of this year income ofwhere change in income = income of this year income of
last yearlast year
10.00%
20.00%
30.00%
40.00%
2006 2007 2008
8/9/2019 Mc080203376 VU NBP Presentation
44/54
Horizontal AnalysisHorizontal AnalysisBalance Sheet as at December 31,Balance Sheet as at December 31,
20082008
8/9/2019 Mc080203376 VU NBP Presentation
45/54
Vertical AnalysisVertical Analysis
8/9/2019 Mc080203376 VU NBP Presentation
46/54
Industry AnalysisIndustry Analysis
Ratio NBP Bank Al- Falah ABL UBL
Net Profit Margin Ratio 25.36% 10% 27% 27%
Gross Profit Margin Ratio 87.74% 57% 72% 65%
Return on total Equity 15% 7% 18% 18%
Return on Assets (After tax) 1.89% .372% 1.1% 1.37%
Total Assets to shareholders fund 7.98 20.47 16.40 13.79
Earning per share (pre-tax) 25.64 2.24 9.47 10.8
Earning per share (after- tax) 17.23 1.63 6.43 8.24
Payout Ratio 49.33 76.69 54.43 56.9
Book Value 90.71 18.27 32.19 35
Net Interest Income Growth 9.75% 5.68% 1.98% .83%
f hF t P t f th
8/9/2019 Mc080203376 VU NBP Presentation
47/54
Future Prospects of theFuture Prospects of the
OrganizationOrganization
Committed to interests of stakeCommitted to interests of stake
holdersholders
Complete automation of workComplete automation of work Commitment to employeeCommitment to employee
empowermentempowerment
Commitment to vision, missionCommitment to vision, missionand core valuesand core values
8/9/2019 Mc080203376 VU NBP Presentation
48/54
SWOT AnalysisSWOT Analysis
AwardsAwards
Branch networkBranch network
Agent of State Bank of PakistanAgent of State Bank of Pakistan
Highest asset and highest no. ofHighest asset and highest no. of
accountsaccounts
Overseas operationsOverseas operations
Leader in agricultural financeLeader in agricultural finance
StrengthsStrengths
8/9/2019 Mc080203376 VU NBP Presentation
49/54
SWOT AnalysisSWOT Analysis
Political pressurePolitical pressure
Lowest internal controlLowest internal control
Unsatisfactory Corporate cultureUnsatisfactory Corporate culture
Behind in IT and online bankingBehind in IT and online banking
Insufficient training and technicalInsufficient training and technical
educationeducation
Shortage of staffShortage of staff
WeaknessesWeaknesses
8/9/2019 Mc080203376 VU NBP Presentation
50/54
SWOT AnalysisSWOT Analysis
Trusted and reliable bankTrusted and reliable bank
Rapidly increasing depositsRapidly increasing deposits
Agent of SBPAgent of SBP
Vast networkVast network
Electronic bankingElectronic banking
Islamic bankingIslamic banking
OpportunitiesOpportunities
8/9/2019 Mc080203376 VU NBP Presentation
51/54
SWOT AnalysisSWOT Analysis
ThreatsThreats
Penalties by SBPPenalties by SBP
Emergence of new competitorsEmergence of new competitors
High complaintsHigh complaints
Govt. transaction a heavy workGovt. transaction a heavy work
loadload
8/9/2019 Mc080203376 VU NBP Presentation
52/54
ConclusionsConclusions
Customer SatisfactionCustomer Satisfaction
Record maintenanceRecord maintenance
More accounts fewer depositsMore accounts fewer deposits
Job rotation, Promotion,Job rotation, Promotion,
AppreciationAppreciation
Training and communicationTraining and communication
Theory vs PracticeTheory vs Practice
Delegation of authorityDelegation of authority
8/9/2019 Mc080203376 VU NBP Presentation
53/54
RecommendationsRecommendations
Performance appraisalPerformance appraisal
Delegation of authorityDelegation of authority
Customer complaintsCustomer complaints
Credit card, cash financingCredit card, cash financing
Decreasing AdministrativeDecreasing Administrative
expensesexpenses
Technological advancementsTechnological advancements
Organizational CommitmentsOrganizational Commitments
8/9/2019 Mc080203376 VU NBP Presentation
54/54
THANKTHANK
YOUYOU