INTERNSHIP REPORT ON

NATIONAL BANK OF PAKISTAN

MANDIAN BRANCH, ABBOTTABAD
(1348)
Submitted by: Abdul Haq
Roll # F-09-41
Supervised by: Sardar Ejaz Ahmed

Government College of Management Sciences

Abbottabad
SESSION: 2009-2013

INTERNSHIP REPORT ON
NATIONAL BANK OF PAKISTAN
MANDIAN BRANCH, ABBOTTABAD
(1348)
Submitted by: Abdul Haq
Roll # F-09-41
Supervised by: Sardar Ejaz Ahmed
This internship report is submitted in partial
fulfillment of the requirements for the degree of
Bachelors of Business Administration awarded by
the Hazara University,
Mansehra

Government College of Management Sciences Abbottabad

SESSION: 2009-2013

Government College of Management Sciences

Abbottabad
APPROVAL SHEET

Approval Committee
1. External Examiner
Mr.______________________ Signature______________________

2. Supervisor
Sardar Ejaz Ahmed

Signature______________________

Designation Assistant Professor

3. Head of department
Mr. Mushtaq Ahmad____________ Signature_____________________
Designation Principal

DEDICATION
Praise is to Allah, the most Gracious and Merciful, who blessed me with the
knowledge and wisdom and enabled me to overcome this task. This humble
effort is dedicated to my beloved parents, devoted friends and especially to my
MOTHER whose love and efforts bring me at this stage. Because of their
prayers and encouragement I have been able to complete this report. Heartiest
gratitude to my parents without their continuous encouragement and love I
could not have accomplished this task. I am very grateful to my advisor Mr.
Sajad and in charge placement center for their continuous help, support and time
during the entire course of my internship. I am also very grateful to all the staff
members at NBP for their guidance and encouragement.

ABSTRACT
All praises and thanks to Almighty ALLAH. The lord and creator of this universe by shoes
power and glory all goods and things are accomplished. He is also the most merciful, who
gave me the ability and opportunity to work on this report. It is an academic requirement for
the student of BBA (Hons) to undergo an internship program of sex weeks duration. This
opportunity provides to the students to apply theoretical knowledge and gain practical
experience about the organization. The purpose of internship report is to evaluate the
performance of organization and give concrete recommendation for further improvements.
Another aspect of this internship is that it makes of a student imaginative and be dynamic and
takes him away from bookish and impractical philosophy. So it makes the student a practical
man and helps him to face difficulties of practical life and the solution of problems. Through
internship a student can judge his qualities and expertise, whish he gained from books.
As a compulsory requirement of Professional Degree BBA (Hons), I opted to join NBP, to
fulfill my degree requirement. My reason for choosing NBP was to enhance my skills in
Management Finance and Accounts, so that to provide myself the opportunity to cope with
real life situation. To better understand the report my recommendation would be to look into
different parts mainly covering the overview of NBP, overall management of Finance and
Accounts.
The bank staff was very much cooperative to me, they have provided me relevant material to
write a report. I am very much thankful to them and to my Advisor Sardar Ejaz Ahmed for
the supervision and guidance.Finally, keeping the tradition alive as well as fulfilling social
and ethical responsibility, my dedications will always go to my dear Parents & Family and
Friends.

Table of Contents
CHAPTER 1
INTRODUCTION OF STUDY

01

1.1BACKGROUND OF STUDY

01

1.2 PURPOSE OF STUDY

01

1.3 SCOPE OF STUDY

01

1.4 LIMITATIONS OF STUDY

02

1.5 RESEARCH METHODOLOGY

02

1.6 SCHEME OF STUDY

02

CHAPTER 2
INTRODUCTION OF NATIONAL BANK OF PAKISTAN

05

2.1 HISTORY OF BANKING IN PAKISTAN

05

2.2 RECENT OUTLOOK OF BANKING INDUSTRY IN PAKISTAN

08

2.3 NATIONAL BANK OF PAKISTAN

09

CHAPTER 3
REVIEW OF NBP MANDIAN BRANCH (1348)

25

3.1National Bank Mandian Branch (1348)

25

3.2Organizational Structure at Head Office Regarding Business of Mandian

26

3.3 Branch having Working Staff

27

CHAPTER 4
FINANCIAL ANALYSIS OF NATIONAL BANK OF PAKISTAN

29

4.1 Financial Analysis

29

4.2 Vertical Analysis of Liabilities 2012

31

4.3 FINANCIAL RATIO ANALYSIS

35

CHAPTER 5
FINDINGs AND RECOMMENDATIONS
5.1 FINDINGS

47
47

5.2 RECOMMENDATIONS AND SUGGESTIONS

50

5.3 IMPLEMENTATION PLAN

52

REFERENCES

58

ACKNOWLEDGEMENT
I express my gratitude to Almighty Allah for his unlimited graciousness because Words are
scarce and knowledge is limited to express his majesty. I have the pearls of my eyes to admire
the blessings of the compassionate, omnipotent, the Merciful and the beneficent Allah who is
the entire source of knowledge and wisdom. Due to his blessings, I become able to contribute
this comprehensive assignment towards the deep ocean of knowledge already exist. Heart is
warm with love and thoughts have turned to the city of knowledge The Holy Prophet
(P.B.U.H) His saying Learn from to Cradle to Grave inspired the strong desire in me to
undertake this course of valuable studies. I deem it as a great opportunity to offer my heartiest
gratitude to my venerable teacher Sardar Ejaz ; for his great efforts to make us understand
and to conduct this kind of activities of giving the great opportunity for learning beyond
your existing area of scope. I am thankful to bank manager Main Branch Abbottabad, for his
nice co-operation and proper guidance throughout my internship. Express my heartiest and
sincerest sense of gratitude to all of them for providing megrand exposure to gain
multifarious experience, May Allah The Almighty bless my parents and well-wishers who are
the permanent source of prayers for me and my successes in this world.

Abdul Haq

List of Abbreviations
NBP
IDBP
SBP
MNCs
ADBP
L/C
L/G
ATM
APD
IPD
IT
BTF
NIT
FC
PLS
HRM
SBU
NDFC
RTCs
AIGP
MT
ETD
MIS
FDD
FS
ETD

National Bank Of Pakistan

Industrial Development Bank of Pakistan
State Bank of Pakistan
Multi-National Companies
Agricultural Development Bank of Pakistan
Letter of Credit
Letter of Guarantee
Auto Teller Machine
Assets Product Division
Investment Product Division
Information Technology
Balance Transferred Facility
National Investment Trust
Foreign Currency
Profit & Loss Sharing
Human Resource Management
Strategic business unit
National Development Finance Corporation
Rupee Travelers Cheques
American International Group Pakistan
Mail Transfer
Electronic Technology Department
Management Information System
Foreign Demand Draft
Financial Statement
Electronic Technology Department

Executive Summary

In the current era of globalization and technology nobody can deny the importance of
banking sector for efficient and progressive functioning of economy. Banks act as financial
agents to their customers. Banks also play a vital role in development and growth of
economy. National Bank of Pakistan is one of the leading banks in Pakistan with its vast and
diversified working span. The bank is tied with a commitment of providing quality in various
domains of services and creating a conducive and fruitful environment for the staff members
as well as the customers. According to International Standards of Banking system it is one of
the most competent banks in South Asian region.
Basically the report consists of the structure and functions of the NBP. The Report explains
how the different departments of the bank work and what are their services.
During the critical analysis, it was observed that NBP is one of the leading commercial bank
of Pakistan with a network of around 1298 online domestic branches all over the Pakistan.
The NBP Aspires to be an institution which is unique for its quality services and creativity.