Professional Documents
Culture Documents
MBA (Finance)
DEDICATION
MY Report is dedicated to
My Dear Parents
My Dear Friends
AND
My Honorable Teachers
Whose Guidance is Always
With me.
Internship Report
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ACKNOWLEDGE
I want to mention these people because my report will remain
incomplete if I do not mention the efforts of those people who helped me in
completing this work.
First of all I will thank to administration of UOG who gave me opportunity
to work in such a prestigious organization which is well known in the
country. I also honor to my all teachers who able me to work with qualified
persons and enable me to work very efficiently throughout the period of
Internship.
The administration department of NBP prepared my internship program.
Administration officer Mr. ZIA with special attention prepared this program.
The program was organized in such a way that enough time was given to
each sector according to its importance. I am really thankful for his help
during the internship.
In the end I would like to thank all those persons who helped me in
completing this report.
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CONTENTS
CHAPTER#01
page 6-8
BANKS AND SCOPE
Definition of Bank?
Banking in Developing Societies
New Challenges
CHAPTER#02
page 9-12
INTRODUCTION OF NATIONAL BANK
History of National bank of Pakistan
Management of NBP
Mission/vision
Services of NBP
Organizational structure
CHAPTER#03
page 13-19
PRODUCT / SERVICES OF NBP
Product/ Service Mix
Deposits
Advances
Foreign Services
CHAPTER#04
page 20-28
ACCOUNTS DEPARTMENT
Account opening and closing Department
Types of Account
How to open an Account
Document Required
Deposit Deportment
Terms and Conditions
CHAPTER#05
page29-30
CASH HANDLING DEPARTMENT
Cash Dealing Department
Cash Receipt
Information Required
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Acceptance of Cheque
Payment of Cash
CHAPTER#06
page 31-33
CLEARING DEPARTMENT
Clearing Department
Clearing
Types of Clearing
Items to be checked on Clearing House
Cheque Returned
CHAPTER#07
page 34-34
REMITTANCE DEPARTMENT
Remittance Department
Local Remittances
Foreign Remittance
CHAPTER#08
page 35-41
ACCOUNTS DEPARTMENT
Accounts Department
Functions of Accounts Department
Types of Vouchers
Accounting Procedure in NBP
CHAPTER#09
page 42-42
MY ORGANIZATION FOR INTERNSHIP
Information about Branch
Management of Organization
CHAPTER#10
page 43-47
MY INTERSHIP PROGRAMME
MY Work at the Branch
CHAPTER#11
page 48-50
RECOMMENDATIOS
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Recommendations
CHAPTER#12
page 51-51
References
Reference
CHAPTER # 1
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extend to as long a period as ten years. These banks also administer estates, acts as
insurance agents and underwriters, provide brokerage services and implement domestic
as well as foreign economic polices of the government.
Commercial banks in developing countries have to make vigorous efforts of
resource mobilization at all levels. However, with the passage of time the commercial
banking operations are under going remarkable qualitative change. In Pakistan for
instance, banking facilities are being extended to the un-banked places. Planned efforts
are being made to enhance the supply of bank advances to the new priority sectors in
consonance with the present day socio-economic needs.
A special scheme to induct commercial banks in the field of agricultural credit was
introduced in December 1972. The scheme provides for short and medium term loans to
farmers under a much simplified procedure. State Banks measures aimed at increasing
the flow of credit to the small man in business and industry as well as to housing and
non-traditional exports have also yielded positive results. The large risk to the
commercial banks in the sphere of agricultural finance and small loans are being covered
to a reasonable extent by the Credit Guarantee Scheme. Mandatory targets for small
loan credit to the agriculture sector and for housing have been prescribed and are being
enforced. Corporate banking is also being reorganized and reactivated on more viable
fines.
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CHAPTER # 2
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to serve the humanity in all parts of the world through its network of branches
throughout the
world.
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VICE PRESIDENT
GRADE 20
ASSISTANT VICE PRESIDENT
GRADE 19
GRADE I OFFICER
GRADE 18
GRADE II OFFICER
GRADE 17
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CHAPTER # 3
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currencies and provides a variety of accounts where these sums are put in at the desire of
the customers.
LOCAL CURRENCY DEPOSITS
In local currency (PKR) the following type of accounts are available at the bank
1-Cruuent Account
2-Saving A/c
3-Short term deposits
4-Fixed deposit receipts
A brief explanation of the above stated accounts is given below:
CURRENT ACCOUNT
These are payable to the customer whenever they are demanded. The bank
treats these deposits as current liabilities. No profit is given on these accounts and there is
no restriction of minimum balance to be kept in these accounts.
SAVING ACCOUNT
In such types of account, the depositors are normally allowed to withdraw a
limited amount of money only twice a week.
FIXED DEPOSIT RECEIPTS
In these accounts the amounts are deposited for fixed period which may be 1
month, 3 months, 6 months and 1 year.
SHORT TERM DEPOSITS
In these accounts the amounts are deposited for fixed period but shorter than
that of fixed deposit receipts, which may be 7 days, and 30 days.
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FOREIGN SERVICES
Following is the list of major foreign services provided by NBP to its
customers: e .g:
a- Documentary Letter of Credit
b- Bills of Negotiation
c- Foreign Services
d- Bills for collection
A brief description on of above stated services is given under;
DOCUMENTARY LETTER OF CREDIT
A documentary letter of credit may be defined as an authority issued by the
opening bank on behalf of the importer in favor of the exporter with the stipulation that
the drafts drawn there under will be duly honored provided that the terms and conditions
as mentioned there in are duly compiled with .
With respect to the documentary credit the following types of documentary letter of credit
are offered by NBP;
Revocable LC
Irrevocable LC
Confirmed LC
Transferable LC
Back to back LC
Stand by LC
Sight LC
Usance LC
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Hajj arrangements.
Sale and encashment of Prize Bonds through its 266 authorized branches.
CASH LINK
NBP ATM SERVICES FOR YOUR CONVENIENCE
SERVICES AVAILABLE ON NBP ATMS
Transfer of funds between PLS Savings Account and Current Account of the same
customer through the same ATM Card.
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CHAPTER # 4
Current account
II)
Saving account
Brief explanation of these accounts is as follows:
CURRENT ACCOUNTS
Current A/c is basically used to meet the daily transactions. Current account
provides safety to the customers money, gives the advantage for paying debts by the
convenient and safe means of sending cheques through the post thus avoiding the trouble
and loss that units in PKR, Us$ GBP and DM.
SAVING ACCOUNT
In case of saving accounts, account holder gets profit. There is a time limit for
drawing cash; customer cannot draw money before a certain time.
In NBP saving a/c is used as current a/c & there is no main difference between
current & saving account except profit.
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US$
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Current
2000
Saving
500
22
2000
500
The bank reserves the right to change the above mentioned minimum balance
requirement at any time without any notice.
PROCEDURE TO OPEN AN ACCOUNT
When a customer wants to open an account, the bank officer gives application
form to him. All information, which is necessary to be known by the bank, is
requirements of the application form. From also requires the essential documents to be
attached by the customer.
Following persons can open an account:
1)-Sole proprietors
2)-Private accounts (individual A/Cs)
3)-Joint account
4)-Limited Company
5)-Partnership Company
6)-Club, Society & Association
Basically following information is required:
Name
Address
Telephone no.
Currency of account
Nature of Business
Residential status
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DOCUMENTS TO BE ATTACHED
Documents required to be attached are different for different categories.
1) - SOLE PROPRIETORS ACCOUNT
They have to submit their business registration certificate number.
2) - PRIVATE ACCOUNTS
For individual or private accounts following documents & information has to
be given:
Name
Residence address
Mail address
Foreign address
position to title
matrimonial status
Nationality
3) - JOINT ACCOUNT
If some one wants to open joint account the following information is needed:
- Full name
- Address
- Specimen of signatures of the joint account holders
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4) - JOINT COMPANY
In this case following information & documents are required:
Certified true copy of the Memorandum and Articles of Association of the company.
Certified true copy of the resolution of the board of directors / managing committee /
governing body regarding conduct of the account.
Certified list containing names and signatures of the directors / office bearers.
Certified true copy of the certificate of incorporation or registration.
Certified true copy of the certificate of commencement of business ( in case of public
limited companies).
I.D. Card copy of each director
Original is also enclosed for inspection and return
List of persons authorized to operate on the account.
5) - PARTNERSHIP COMPANY ACCOUNT
Documents required in this case are as follows:
Full Names
Address
Specimen of signatures of the partners
Certified true copy of partnership deed
6) - SOCIETIES / CLUBS AND ASSOCIATION ACCOUNT
Documents required in this case are as follows:
Copy of the rules certified by the president and the secretary.
Certified copy of a resolution of the committee and the specimen signatures of the
persons authorized to sign.
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OTHER FORMALITIES
The majority of the new customers are introduced either by an existing customer or by
bank staff. When the concerned officer is satisfied then he opens the account and gives an
account number that will be used in all communications with the bank in regard to the
account and when making deposits and withdrawal.
Bank has a right not to open and account without assigning any reason or to
close the account, if it is not operated in a satisfactory manner by the head office
instructions.
So, opening questionnaire for companies & business accounts includes:
Company name
Address
Mail address
Telephone, Cable & Telex
Nature of Company
Business registration certificate number
Date of incorporation
Nature of Business
Names of main managers & director
Names & address of parent companies
Names & address of other banks
And, introducers declaration
Name
Residence address
Mail address
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Foreign address
Office address
Position or Title
Matrimonial status
Nationality
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The officer keeps and maintains the cheque book register Cheque book
inventory and cheque books issued are recorded in this register. The account number for
which the cheque book is issued and the number of leaves are also recorded in this
register when the cheque book issued an entry is passed in the cheque book issue register.
It must be in writing
The payment should be ordered to be paid to a certain person or to his order or the
bearer.
CHECKING AND PAYMENT OF CHEQUES
It is the primary function of the bank to repay the money received from his customers
account usually by honouring his cheques. It is a contractual obligation of a banker to
honour his customers cheque, if he has checked the following on a cheque:
1-Name of the Bank & branch
2-Amount in figure and words
3-Signature of the Drawer (verification)
4-Posting mark by the computer operator
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CHAPTER # 5
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Both are in different colors for clear identification. There are two parts of cash deposits
slips:
a)- Counter foil
b)- Adjacent credit voucher.
ACCEPTANCE OF CHEQUE
The cash is paid against the cheque of the client. The following points are kept
in mind while receiving the cheque from the client.
Cheque should be drawn on NBP.
It should not be post dated.
It should be bearer cheque so the word bearer should not be crossed.
Payment is not stopped by the drawer.
Amount in words & figure should be same.
Alternation in date / figure / word require drawers full signature with signature
on the cheque.
AFFIRMATION OF SIGNATURES
After receiving the cheque the officer verifies the signature of the account
holder with the signature on the cheque. It signatures are not the same then it is returned
back otherwise forwarded to computer terminal.
COMPUTER TERMINAL PROCESS
The cheque is received in computer terminal, where the computer operator
checks the balance of the account holder. The operator also sees whether the stop
payment instructions are received from account holder or not. After considering these two
points computer operator posts the cheque in account holder ledger & returns the cheque
back to the officer.
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PAYMENT OF CASH
The cheque is cancelled after posting & is returned to cashier. The cashier
enters the cheque in cash paid register & pays against the second signature of the
receiver on the back of the cheque.
CHAPTER # 6
CLEARING DEPARTMENT
Nearly all the banks provide a wide variety of services to their depositors. One
valuable service provided is that of clearing. Clearing department also plays an important
role in performing the activities of the bank.
The basic function of clearing department is to provide services to customers
in collection of their cheques of other banks, whether they are in city or outside the city.
The customer can get the money in his account at NBP from the cheques drawn on
another bank. The bank accepts the cheque in the clearing which it is drawn through the
clearing house i.e, State Bank of Pakistan.
CLEARING
We can define clearing as, the transfer of funds from one branch of bank to the other
branch of the same bank or the other bank on which the instrument is drawn, without
involving cash through State Banks clearing house or we can say in other that cheques
which can not be cashed at the ash counter of the bank.
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CLEARING HOUSE
It is of the service provided by central bank i.e, State Bank of Pakistan to the
other commercial banks. SBP acts as a clearing house. A representative of each bank
represents his bank in the clearing house.
A clearing house is an association of commercial banks set up in a given locality for the
purpose of interchange & settlement of credit claims.
The SBP maintains the accounts of the NBP like other scheduled banks and
debits the account of the drawee bank and credits the presented bank which is NBP in
that case.
TYPES OF CHEQUE
Some specific types of cheque are being entertained in the clearing
department of NBP Main Branch, Lahore.
These types of cheque are:
1)- Local cheque
2)- Out station cheque
3)- In house cheque
1)- LOCAL CHEQUE
By local cheque we mean collection of cheque from the banks which are the
members of the clearing house and which are located within the city.
2)- OUT STATION CHEQUE
By out station cheque we mean collection of cheque from the banks which are
situated outside the city. It means that presenting bank and the bank on which the cheque
is drawn are not situated in the same city.
3)- IN HOUSE CHEQUE
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In house cheque are drawn on one branch of NBP and presented to another
branch of NBP such cheques are marked with transfer stamp.
TYPES OF CLEARING
Clearing department deals with the two type of the clearance.
These are stated below:
1)- Inward clearance
2)- Outward clearance
INWARD CLEARANCE
Cheque drawn on NBP and presented to other Banks or handed over to NBP
agent in clearing house. That is inward clearance for NBP. So inward clearing results in
outflow of funds to collecting bands reducing the balance in the clearing account.
OUTWARD CLEARANCE
Similarly cheque which are drawn on other bank and presented to NB Main
branch, Lahore are known as outward clearance for NBP Main Branch. So outward
clearing results in inflow of funds from paying bank into the clearing account maintained
with clearing house increasing the balance in the clearing account.
Outward clearing thus may be:
Local clearing
Outstation clearing
Excess of outward clearing over inward clearing produces a net increase in the
clearing account balance. Excess of inward clearing over outward. Clearing produces a
net decrease in the clearing account balance. The first case is referred to as favorable
clearing & the second case as unfavorable clearing.
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CHAPTER # 7
REMITTANCE DEPARTMENT
Remittance is the monitory transfer from one place to another place or from
one country to another country to fulfill the requirements of the customers by the order of
the customer.
Remittance Department at NBP Main Branch Lahore can be divided into two
sections due to its activities.
1)- Local Remittance
2)- Foreign Remittance
1)- LOCAL REMITTANCE
Local remittance section deals with remittance ( incoming and outgoing but
only in local i.e, Pakistan rupee and within Pakistan.
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Chapter # 8
ACCOUNT DEPARTMENT
The main function of the accounts department of NBP is to maintain general
ledger accounts and after the business hours the function of the accounts officer is to
close books.
FUNCTIONS
There are many other important functions performed by accounts department of
NBP. So I ma going to discuss these functions in three steps:
-General Ledger;
-Voucher system;
-Types of voucher used.
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GENERAL LEDGER:
It is the prime record of the branch reflecting its assets and liabilities and serves as
the master control of accounting system of the branch. It consists of only those accounts,
which are authorized by the head office.
VOUCHER SYSTEM:
One debit and one credit voucher is prepared. At the end of the day, these
vouchers are collected and recorded i.e.,
prepared.
The format of the debit voucher includes:
1. -Name of branch
2. -Date
3. -Branch No.
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4. -Account No.
5. -Transaction Code
6. -Amount and other details (Narration)
CREDIT VOUCHERS:
There are two types of transaction in which credit vouchers are used.
When a depositor deposits any amount in his account because the
liability of bank.
Any income received by the bank e.g. bank draft.
Different types of credit vouchers are used.
Now in second set these three important functions of Account department of NBP
are described briefly.
1. All expenses vouchers are routed ask through Accounts Department.
2. Preparation of various statements.
3. Preparation daily activity report at the end of each day.
EXPENSE VOUCHER:
All the expense vouchers passed by each department are routed through accounts
department. These expenses include:
1. Salaries given to all employees of the bank
2. Wages
3. Rent
4. Lease installments
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5. Insurance - vehicle
6. Insurance - cash
7. Utility Bills
8. Medical allowances (reimbursed)
9. Cash carrying charges etc.
SALARY STRUCTURE:
Salary included
Bonuses
These bonuses are credited after every six months i.e. June and December.
These are first and second profit bonuses and are equal to one month's basic salary.
Allowances:
Allowances included house allowances, transport allowance and utility
allowance.
Provident Fund:
Provident fund is provided to each employee on his retirement.
Contribution by employer and employee is 8.3%.
Preparation of statements:
Second major functions of accounts department are the preparation of
various statements. These statements are:
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A. A/c to be dormant
B. Letters to customers
C. Classification of deposits
D. List of deposits
E. A/c opening and closing
F. Staff loans
G. A/c blocked and unblocked
H. Monthly resident and non resident
I. Zakat Calculations.
ACCOUNTING PROCEDURE IN NBP:
1. Various departments use debit and credit voucher for recording the
transactions.
2. Accounting department receives the departmental journal from the
departments to gather with all the vouchers.
3. Verify correction of total of all into departmental entries in departmental
journals.
4. Sort vouchers into general ledger a/c order debit separately from debit for
each account.
5. From departmental journals add all debits and all credits for each general
ledger account and write total for each account in relative account and extend
new balances.
6. Prove debit and credit totals to department journal total. Write total obtained
from machines list for each contingent accident in general ledger and up data
balances.
7. Date and sign general ledger and obtain signature of an officer.
8. Place general ledger includes leaf binder in chronological order.
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CHAPTER # 09
OPERATION MANAGER
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(OG-I)
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Credit Manager
(OG-II)
Accountant
M. Farooq
(OG-II)
Head Cashier
Muhammad QAISAR
(OG-II)
Cashier
Muhammad QAISAR
(OG-II)
B.B.O Operator
ZIA AMER
(OG-II)
Office Boy
Rana Saeed
Security Guard
Muhammad Bashir
CHAPTER # 10
MY INTERNSHIP PROGRAMME
MY JOB AT THE BRANCH
Activities performed by me during my internship program are as follows;
1. ACCOUNT OPENNING DEPARTMENT:
In this department, I gain the practical knowledge about opening account. This
department deals with opening current and saving account for its customers and all
matters regarding thereof. The customers opening current and saving accounts can be
categorized as following.
-Individual
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-Firm
-Company
-Trust
-Staff
-Others
44
OPENING ACCOUNTS:
In order to open an account, first of all the customers have to fill a form
prescribed by the bank. The person is required to bring some reference or introduction
for opening the account. Introducer may be the person who has any account with NBP.
Some important information regarding introducer e.g. the name and account
number of the introducer is written on the space provided on the specimen signature card.
Then in order to find out whether he is a true introducer or not, a letter is sent to him
thanking him for this introduction so that anything wrong may come into notice.
There are different requirements for different types of accounts and
accountholders.
DEPOSITS:
The procedure undertaken upon receiving deposits from the customers is as
follows:
Examining the deposit slip to ensure that the name and the account
numbers are clearly indicated.
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Counting the cash and cheques and agree the total with the amount on the
deposit slip.
After that the pay in slip is validated for cash transaction and transfer and
clearing transfer as appropriate before the counterfoil is handed over to the
customer.
WITHDRAWALS:
Cheques can withdraw amount. The withdrawals can be made only at the branch
where the account is maintained. The officer under his full signature authorizes all cash
withdrawals. No third party withdrawal is permitted. In current account, the bank does
not offer any interest. We can deposit or withdraw any amount during banking hours.
ISSUANCE OF CHEQUE BOOK:
The accountholders request for the new cheque book by presenting the requisition
slips along with the authority letter to the concerned office. His signatures are verified
before giving him a new cheque book. The presence of the accountholders is compulsory
to get a new cheque book. But if he sends a third person to get his cheque book then the
procedure is as follows;
The accountholders verify the signature of the third person on that authority
letter.
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The bank officer gets the signature of that third person to confirm whether he is
the same to whom the accountholder has sent.
The bank issues the new cheques book and authority letter is kept buy the bank.
2. CLEARING DEPARTMENT:
In this department, I have worked for two weeks. Main branch receives the
cheques from all of its branches and makes the lots of these cheques again. Main branch
sends these cheques to the state bank of Pakistan where a clearinghouse exits. In this
clearinghouse the representatives receive their cheques and go back to their bank's main
branch. Then the main branch sends these cheques to their relevant branches where the
validity of these cheques is verified and the accounts of the relevant clients are affected.
The statement of clearing was submitted before 1.00 P.M. daily. The whole
procedure of clearing is completed within two days.
3. DATA TRANSFERING:
a) PENSIONER DATA TRANSFERMATION
b) LEDGER DATA TRANSFERMATION
c) ONLINE BANKING
a) PENSIONER DATA TRANSFERMATION
I have to transfer the pensioners data from registers to computer.
PROCEDURE
a) Pensioners name
b) Father or husband name
c) Date of birth
d) Commencement date
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e) Retirement date
f) Department name
g) Job type
h) Sanction date
i) Last visit date
b) LEDGERS DATA TRANSFER:
Here my job is to transfer the ledger accounts of NBP hard copy data to soft copy.
PROCEDURE
1- LEDGERS NAME
2- DATE
3- DEBIT AMOUNT
4- CREDIT AMOUNT
5- BALANCE
6- COMMENTS
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CHAPTER # 11
Even if NBP is included in ten top most banks of the world equity as well as
assets wise, but for the more development in various sectors my recommendations to the
bank would be as follows:
PLANNED AND STRONG COMPETITIONS:
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NBP should become very specific about its competitors, so that it can
understand who its competitor is in the first level and who is in the second level. Then
the first-level competitors should be watched strongly.
FORMATION OF A RESEARCH CELL:
A research cell should always keep focus to explore new ideas and
research. A research cell should continuously try to collect information about the present
action so its competitors and anticipated future actions. So in this way more efficient
strategies can be developed.
REWARD SYSTEM:
The performance reward connection should be making strong as it is said,
"A happy employee delivers more than he receives from the organization." The NBP
should also try to make its employees more contented.
There is urgent need, to rebuild the staff policies. Selection should be through
newspaper advertisements. In this way more intelligent, efficient and capable
staff can be formulated.
Govt. should take intense interest to recover its bad debts, which can get better its
monetary position.
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In case of giving the loans, it is necessary to check the status of customer towards
loan repayment. Bank shouldnt advance the money to those people who are
addict of suspension of loans due to their political influences. Instead providing
loans to these persons, loans must be advanced to the well-reputed businesses and
industries having good record of loan repayment.
Along with the officers, the training must also be given to the office staff. Because
of N.B.P. are running on manual system and the training of its staff directly
improving their competence of work.
Present training program for its officers is need to be enhanced, as this program
instead of improving the effectiveness of officers is only a burden for the bank in
the form of heavy T.A. , D.A. and cost.
N.B.P. should flourish certain marketing plans to attract the customers by giving
them certain incentives and beneficial schemes to the customers as other
competitor banks are doing so.
There is also a need of proper recruitment and selection program. New young
talent should be introduced to inject the new ideas.
Special attention should be given to the behavior of the employees towards the
customers, as customer is the most important person for any bank.
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There are many employees who are working on ad-hoc basis creating
dissatisfaction. The deserved should be made permanent employees.
To encourage the employees of the bank, regular bonuses and incentives should
be given to them.
There must be a friendly atmosphere among all the employees as it enhances the
trust and sincerity.
NBP should be focus its attention towards the share of traveler cheque.
Branch manager should be trained in the field of selling to serve better according
to the expectation of customers.
REFERENCES:
http://www.sbp.gov.pk
www.nbp.com.pk
Shahbaz, Ahmad Cheema. "NBP." N.p., n.d. Web.
Manager, Opreational Farooq. "NBP." N.p., n.d. Web.
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http://www.scribd.com/doc/13314549/Internship-Report-of-NBP
http://www.scribd.com/doc/19161491/NBP-Internship-Report
http://www.nbp.com.pk/aboutus/index.aspx
http://www.docstoc.com/docs/1007562/national-bank-of-pakistan-a-hollow-dream/
http://www.nbp.com.pk/aboutus/dreport2.aspx
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