Internship Report of NBP

Virtual University of Pakistan
Evaluation Sheet for Internship Report

Fall 2010
MKTI619: Internship Report (Marketing)
Credit Hours: 3
Company Name: _____________________________________________________
Name of Student: Muhammad Ghazanfar iqbal
Evaluation Criteria
Written Work Status
(Internship Report)
Students ID: mc090401452

Supervisor: _______________________________
Result
Needs improvement
Presentation & Viva Voce

Final Result
Internship Report (Muhammad Ghazanfar iqbal)

VU ID mc090401452

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Similarity Index
53%
Similarity by Source
Internet Sources:
29%
Publications:
2%
Student Papers:
54%
sources:
1
14% match (Internet from 1/22/10)
http://www.scribd.com/doc/17688456/Project-Nbp
2
6% match (student papers from 08/25/10)
Submitted to Higher Education Commission Pakistan on 2010-08-25
3
http://www.amcy5.com/Reports/internship/amcy20.htm
4
5
6
7
8
http://nbp.com.pk/AboutUs/Awards.aspx
9
10
2% match (publications)
"NBP AWARDED TOP BANK IN PAKISTAN.", Pakistan & Gulf Economist, July 18
2010 Issue

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11
12
http://www.answers.com/topic/swot-analysis(Investment
13
14
There should not be any copied material in your report.

You can take help from different sources but describe in
your own words.
You may use different websites and other reference for

consultation, but the internship report should be written
in your own words. Copying the exact phrases and
sentences from various websites and papers falls under
the category of plagiarism.
The Plagiarism is strictly prohibited as Virtual University has

ZERO TOLERANCE POLICY for such act and the student
alleged for it shall be strictly dealt if any evidence of plagiarism
is found in his/her written work at any instance i.e. copied and
non-referenced work/material taken from any secondary source
(websites, journals, books, articles, other students etc.)
Since this is your first attempt, a lenient action has been taken
against you by rejecting your internship report and giving you a
warning of avoiding such practice in future. You should consider
it as your Last Warning and do remember if you continue this
practice in future your case will be forwarded to the higher

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authorities of the University and a very strict action will be taken

against you.
INTERNSHIP REPORT
NATIONAL BANK OF PAKISTAN
SUBMITTED BY:
MUHAMMAD GHAZANFAR IQBAL
ID: MC090401452
SESSION 2009 - 2011

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SUBMITTED TO:
VIRTUAL UNIVERSITY OF PAKISTAN
INSTRUCTOR MKT619

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SUBMITTED DATE:
13-JULY 2011
LETTER UNDER TAKEN

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INTERNSHIP CERTIFICATE

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DEDICATION TO
MY LOVING PARENT
WHO ALWAYS ENCOURAGE ME IN EVERY STEP OF MY LIFE

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Acknowledgement:
In the name of
the most kind and most,merciful.

First of all I am grateful Thanks to ALLAH Almighty, who bestowed me with health, abilities
and guidance to complete the project in a successful manner, and respect for our beloved
Prophet Peace Be Upon Him who made us recognize our creator. Without the support of
these I m unable to perfume the task.
I am also thankful to employees of National Bank Layyah who provided me a friendly and
knowledgeable environment through which I learned a lot.

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EXECUTIVE SUMMARY
I done my internship in National Bank of Pakistan Layyah Branch

District Layyah and to know how I will work in financial institutions and
among various types of people have different attitude. The objective of
this Internship report contains Banking Structure, Branch Structure,
marketing analysis, Sales analysis, aggressive analysis, SWOT analysis
and bank tariffs theoretical concepts with practical experience working
in National Bank of Pakistan. There are many possible improvements,
which we can make positive changes in the system.
The staff of National Bank of Pakistan Layyah has taught me the

basics of different departments in this way. In this period I faced a lot
of difficulties during the span of learning but I got full attention
because of supportive staff, and they really made me learn a lot.
During the internship I kept on consulting my internship advisor every
week. At the end of internship the manager gave me the internship
letter and evaluated my overall performance of an evaluation form
prescribed by the university.

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TABLE OF CONTEXT
1
2
3
4
5
6
7
Introduction
Letter under taking
internship certificate
Dedication
Aknowledgment
Exective Summary
Table of context
Overview of National Bank
Introduction
Brief History
Nature of the organization
Product line
Product portfolio
Brand Strategies
List of main clients
List of main competitors
2
3
4
5
6
7
8
10
10
11
13
10
23
25
25
25
27
28
27
29
30
37
39
40
40
42
Organizational Structure
National Bank Chart

Hierarchy chart
Number of employees
Introduction of all Departments
Comments
Plain of internship program

10
11
Introduction of National Bank Layyah

Starting and ending date
Name of Department were I got training
Training program
Activities of all department

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12
Structure
of
Marketing
Department
Department Hierarchy
Number of Marketing Department
employees
Marketing operation
Function of Marketing Department
13
Segmentation strategy
Target marketing strategy
Product Planning, Development
Management
Positioning
Pricing Strategy
and
52
52
53
55
56
57
58
59
60
60
61
62
65
73
75
79
Structure of Sale department

14
17
18
19
20
Sale department Hierarchy

Number
of
Sales
department
Employees
Sale operation
Critical Analysis
SWOT Analysis
Conclusion
Recommendations
for
improvement
Refrence

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OVERVIEW OF THE NATIONAL BANK OF PAKISTAN

Definition of Bank:
Bank is a financial institution that is collects money form lender and gives to
creditors and get the profit. It accepts deposits from individuals, firms and companies at a
lower rate of interest and gives at higher rate of interest and gives at higher rte of interest
to those who need them
According to J.W Gilbert
A banker is dealer in capital or more properly, a dealer in money. He is
intermediate party between the borrower and the lender. He borrows of one and lends to
another
By Banning, we mean the business of dealing in credits and by bank we include
every person, firm or company having a place of business where credits are opened y
deposits of collection of money or currency. Subjects to be paid or remitted on cheques or
order, money is advanced or loaned on stocks, bonds bullion, bills of exchange,
promissory notes are received for discount or sale.
Evolution of banking in Pakistan:
In 1947 there are very hard days for the whole banking sectors in Pakistan; the
country today possesses a full range of banking and financial institutions to cope with
various need of the economy.
In 1947 There 3496 offices of Indian scheduled banks our which as many as 487 were
situated in territories now constituting Pakistan. The Reserve bank of India was the
central baking authority in India. It was decided on partition of countries that in the
interest of smooth transition it should continue to function in newly emerging state in
1948 at Pakistan, until 30th Sep.

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In early due to uncertainty and unsuitability the banking sector suffer heavy
losses. This resulted in a negative effect on banking service in Pakistan. Due to collapse
of the new state by pushing a deliberate policy of withdrawals the Indian bank offices
closed quickly. The number of scheduled banks thus declined form 487 branches before
independence to only 195 branches in 1948 until 30th June.
Banking Start in Pakistan
In 1948 the banking situation is very tense and then committee was immediately setup to
formulate a scheme of central banking legislation of Pakistan. Many specialist were come
and gives opinion that in view of the acute shortage of trained staff, idea of establishing a
central bank and best that could be attempted was the setting up of a currency board until
such times as sufficient staff could be organize to operate a central bank.
There was come one question since independence of Pakistan that whether the institution
should be only a currency board or a full control central bank had exercised the mind of
the Pakistan government. Every time is was realized that the shortage of trained personal
to run the central bank would present serious difficulty in view of the tangible advantages
that a central bank enjoyed over currency board. Now this time government has come to
ultimately decided to take the important step of setting up a full fledged central baking
authority. The problem was the banking authority in the country had been totally
disrupted and there was an urgent need for their rehabilitation. Then banking sector pass
the hardly Time as Act, an order was drafted, known as the state bank of Pakistan order,
which was transmit by the government of Pakistan on 12th May 1948. And first time in
Pakistan a central bank come name The State Bank of Pakistan was declared open on 1
July 1948 by the father of the nation.
The State Bank of Pakistan First tasks faced the replacement of Reserve bank of India
notes which was circulated. The State Bank issued in October 1948 in the denominations
of Rs. 5 to 100.
Nature of Bank
The state bank recommended the setting up a new banking institution to serve both as an
agent to the state bank as well as the spearhead of it credit polices. Then the National
Bank of Pakistan was setup under an ordinance in November 1949.

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National Bank of Pakistan is a service oriented financial institution. He is working for

its customers besides making profit for the organization. This financial institution
required the customers both retail and corporate banking facilities. It also commences the
govt. transactions like govt. accounts, govt. drafts and payments services of the bank thus
can be categorized as under.
Basic banking like borrowing and lending of money
Discounting of Bills of Exchange and foreign exchange.
Buying and selling bullion and foreign Exchange
Collecting Negotiable instruments on behalf of the customers.
Generating Latter of Credit
Receiving valuable goods for safe custody.
Acting of agents on behalf of the customers
Different offers for the customers for their benefits.
Work as a clearing house on behalf of the State bank of Pakistan
For small cities work as a main bank on behalf of the State Bank of Pakistan.
There are some others characteristics are followings.

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Domestic Branches
Azad Kashmir
Baluchistan
Federal Capital
Punjab
Khyber Paktunkhwa
Sindh
Gilgit Baluchistan
Overseas Branches
ATM Machine
Islamic network Branches
Online Branches
Swift Branches
Customer facility Center
1256
88
60
24
641
212
217
14
22
104
5
350
13
6
Product lines of National Bank of Pakistan:
National Bank of Pakistan is provides many services to the customers. National

bank can introduce many products to facilitate in many ways. The product lines are
followings
Premium Aamdani Scheme:
Premium Aamdani is a monthly income scheme introduced

by National Bank of Pakistan for investors as well as for general public
Earn up to 12.25% p.a. +
Minimum deposit of Rs. 20,000/- with maximum balance of Rs. 10 million for 5
years
Free Demand Draft, Pay Order and Cheque Book
A 5 years scheme with year wise increasing profit rates.
Incentives available for investors.

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NBP provide finance facility against these certificates.
NBP allowed to customers to convert existing deposits into National Bank

premium Aamdani scheme.
Convenience of NBP online Aasan

Banking (for online banking customers)
Free NBP Cash Card (ATM+Debit)
Running finance facility up to 90%
Profit paid every month as follows
Profit Ratio of NBP

Years
Profit Rates
st
1
11.25
nd
2
11.50
rd
3
11.75
th
4
12.00
th
5
12.25
Premium Saver:
National Bank of Pakistan introduce another product this is
Premium Saver are also called the premium saver account.
This account is mostly use small income people which have to
deposit the money into the bank for profit. These products
introduce some of these benefits.
Earn up to 8.50% p.a
Minimum saving balance of Rs. 20,001/- & a maximum balance of Rs. 1

million*.
Free NBP Cash Card (ATM + Debit).
Convenience of NBP Online Aasan Banking (for online banking customers).
Two debit withdrawals allowed in a month & no limit on number of deposit

transactions.
Profit calculated on monthly and paid on half yearly basis
Saibaan:
Product Items
Home Purchase
Home Construction

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Home Renovation
Purchase of Land + Construction
Balance Transfer Facility (BTF)
Home Purchase
Financing Amount
Upto 35 Million
Financing Period
3 to 20 Years
Debt to Equity 85:15 (Maximum)
Home Construction
Financing Amount
Upto 35 Million
Financing Period
3 to 20 Years
Home Construction - Product Detail
Financing Amount
Upto 35 Million
Financing Period
3 to 20 Years
Home Renovation
Financing Amount
Upto 15 Million
Financing Period
3 to 15 Years
Purchase of Land and for Construction thereon

Financing Amount
Upto 35 Million
Financing Period
3 to 20 Years

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Re-Financing (Balance Transfer Facility (BTF))

If you have a Home Finance Facility outstanding with another bank you can have it
transferred to NBP through a hassle-free process.
Advance Salary
You can avail up to 20 net take home

salaries
with
easy
repayment
installments. Its hassle free acquisition

with no prior formalities and easy
availability in a short turn around time is
attributed as the most distinguishing features of the product. The product is offered
countrywide. And another feature of the advance salary is followings.
Easy installments of 1 to 60 months at your choice.
No minimum income, collateral & insurance charges required.
Quick processing and fastest disbursement.
For permanent employees of Government, Semi Government and Autonomous

bodies receiving salaries through NBP.
Cash Card:
NBP Cash Card is use in 24 hours a at full weak access
ATM/Debit card to your bank account, which is accepted
to 4000 POS merchants nationwide where ORIX logo is
displayed. Withdraw cash from NBP, 1-Link & M-Net
ATMs across nationwide. The NBP can enable you to
enjoy the convenience of cashless purchasing power
without the fear of overdrawing your account.

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Advantages
You won't need to carry a lot of cash with you every time you go out.
Secure and Safe transaction.
Utility Bill Payment
Enable To Withdraw Cash From 1-Link ATMs / MNET ATMs.
Enable to Make Purchases from Around 4000 POS Countrywide including 2500+
POS in only Karachi.
No Card Issuance Fee for first 12 Months
Cash withdrawal up to Rs. 20,000/- per day
Account Balance Enquiry
Mini Statement
PIN Change facility
Investor Advantage:
Features
Comfortable and secure environment

for trading
NBP financing at very easy terms

requiring minimum documentation
Minimum turn around time
No security requirement from the customer except for the customer's equity
Customer's equity freely available for investment.
Equity acceptable in cash or approved share.
Eligibility

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Pakistani National with vaid computerized national ID Card
Over 21 years of age
An account with NBP designated Branch
Equity in the form of cash or NBP approved shares
No default with any financial institution
Product Information
Financing
Amount
Equity
Requirement:
Shares:
Rs.50,000/ - To Rs.10,000,000/In the Form of Cash or Shares or Both

(Currently Minimum Rs. 215,000/- @ 30%)
As per NBP Approved List Available.
Shares In Physical Form Not Acceptable
Allowed Only Through Trading Centers
Trading:
Created by NBP and Operated by Taurus

Securities Limited (A Subsidiary of NBP)
Requirements
Photograph of Applicant
NBP Account - Current or PLS
Marginal Financing Application Form
Copy of CNIC
Copy of CNIC of Two (2) References
Borrower Basic Fact Sheet
Duly Filled In Statement of Assets & Liabilities
List od Shares, Given as Margin (Optional)

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Cash in Gold:
With NBP's Cash n Gold, you can meet your need for ready cash against
your idle gold jewelry.
Rate of mark-up 15.50% p.a.
Facility of Rs. 20,000 against each 10 grams of net contents of gold
No maximum limits of cash
Repayment after one year
Roll over facility
Only gold ornaments acceptable
Weight and quality of gold to be determined by NBP's appointed scruffs
No penalty for early repayment
Comfortable environment for trading
No security requirement, except for the customers equity
Customers equity freely available for investment
Equity acceptable in cash or approved shares
Kisan dost:

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NBP provide
the another
unique
services for the grower of Pakistan.

This service is one of the best services
of Pakistan whos a grower and takes
advantages in many types. These
services are followings.
Competitive mark-up rate.
Quick & easy processing.
Provision of technical guidance
to farmers at their doorstep.
Wide range of financing schemes for farmers.
Finance facility up to Rs. 500,000/- for landless farmers on personal guarantee.
Financing available against Pass Book, Residential / Commercial property, Gold

ornaments and paper security.
Loan facility on revolving basis for three years (renewable on yearly basis without
obtention of fresh documentation and approval).
Pak Remit:
Pakremit is an internet based Home Remittance Service. This service
is available to U.S. residents for sending money to their family and
friends in Pakistan. One must have a valid US Dollar account with a
U.S. bank or a US Dollar credit or debit card in order to remit funds
through this channel.
Remitters in USA can log on to our user friendly website, www.pakremit.com and
easily remit funds to Pakistan from the comfort of their homes, in a matter of minutes.
The service is fully secure with advance encryption application and is available for
use 24 hours a day, 7 days a week. Fees and exchange rate have been set at competitive
levels and the remitters have the ability to track delivery of funds as well.
Convenient and Fast

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Reliable and Secure
Available 24 x 7
Protection Shield:
Definitions:
The protect shield is also called accidental
insurance provided the insured is not directly
involved in these followings activities.
"Accident
means
unintentional,
unfortunate or a harmful event by
chance or apparent cause.
Accidental Death means death due to accidental injuries, but not illness.
Insured Person means a National Bank of Pakistan PLS account holder, aged
between 18 years and above, and whose premium is deducted & details are
reported to the selected insurance company by NBP.
Policy means Group Personal Accident Policy dated 26/09/05 executed between
NBP and Insurer.
Principal Sum means the amount stated in the Policys Schedule of Benefits as
respects each Insured Person.
Product Information:
Insurance Coverage In case of Accidental Death (Including death due to *Riots,
*Strikes, *Civil commotion, Coverage of Rs. 200,000/- for Rs. 20/- per month
Product Details
Eligibility
No Medical Required
No Documentation
Fixed Auto Premium Deduction Facility (after customers consent)
Choice of Deactivation

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NBP PLS account holders
18 years and above
Termination of Coverage
The date the policy executed by NBP with ALICO is terminated.
The date the Insured Person is no longer eligible within the Classification of
Insured Person(s).
If the required premium is not paid/deducted for the particular month.
The date the benefits are paid to the extent of the Principal Sum in respect of any
Insured Person.
The date the Insured Person cancels coverage under this policy.
General Terms
Insurer
ALICO (American Life Insurance Company (Pakistan) Limited or

such other insurance company as NBP may nominate from time to
time.
Maximum Amount Maximum Sum Assured PKR 1,000,000 (this limit is for multiple
Joint Account
accounts of an insured)
Coverage amount will be distributed proportionately at the time of
Term Available
Claim Payment
claim
Monthly deduction
Within 10 working days upon completion of all documentation /
Claim
formalities
Claimant & Physician statement, original death certificate, hospital
Requirements
death certificate, original NIC, FIR, newspaper clippings (if any) &
statement of account.
General information:
Personal Accident Insurance

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No documentation
No medical required
Premium Auto Debit facility & choice of deactivation
Coverage includes death due to:
Natural Calamities e.g. Earthquake, Flood, Cyclone etc.
Accident
Riots
Civil Commotion
Strikes
Acts of Terrorism
Disclaimer
The NBP Protection Shield is underwritten by ALICO (American Life Insurance

Company (Pakistan) Limited) or such other insurance company as NBP may select
from time to time.
NBP will not be responsible in any manner if your claim is rejected or not
entertained.
NBP does not offer insurance advice or underwrite or issue insurance policies.
Purchase of insurance/banc assurance product does not represent an investment

and does not accumulate a cash value.
The information available here is intended for the customer intimation and
understanding only, and is subject to the policy documentation between NBP and
ALICO, as may be applicable from time to time.
Brand portfolio:

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National Bank of Pakistan is a govt. and commercial bank that target four
different markets with different needs and wants every market can be segment by product
and consumer expectation. The brand portfolio is the set of all brands and brand lines that
a particular firm offers for sale to buyers in a particular category. Thus, a brand portfolio
would be one particular column of the matrix. Different brands may be designed and
marketed to appeal to different market segments. National Bank of Pakistan has four
different product that is Islamic banking, consumer banking product, agriculture finance
solution and corporate investment banking and provide a rang of different product in
these categorize according to customer need and wants.
Consumer
Banking
Product
Islamic
Banking
System
Brand
Portfolio
of NBP
Corporate
banking
system

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Agri.
Banking
system
Branding Strategies:
The branch should adopt various marketing strategy and promotion strategy to
promote the bank and its product.
The most important in my opinion is personal marketing; it is the most effective of all
when you think in term of branch level. But on the whole organization level, they should
arrange the seminar with in the bank and outside the bank. They should introduce various
prizing schemes just like premium Aamdani Scheme, Premium Saver scheme and other
(income earning scheme) and various others.
They should do more advertising through newspaper and media and through channel of
personal contacts.
List of main Client
There are three main client are categorized these are
Individuals
Joint
Partnership
Individual
Individual clients are only one person accounts. This accounts are opened are
called the individuals accounts.
Joint
In case of joint accounts there are two or more accounts are used. Application
mentions that how much person will operate the accounts.
Partnership Accounts
For partnership accounts is use as a company or agreement accounts of two are
more people groups. Partnership accounts are along with the application form signature
card.
Registration Certificate
Agreement among the partnership
Commencement of business.

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List of main competitors

All the competitors of National Bank of Pakistan are all scheduled banks, which are
listed and trading under Banking Companies Ordinance 1962. The main Compotators of
the National Bank of Pakistan is are as under
United Bank Limited

Muslim Commercial Bank Limited
Allied Bank Limited
Askari Commercial Bank Limited
Habib Bank Limited
Soneri Bank Limited
Standard Chartered Bank Limited & The Bank of Punjab
Bank Al-Habib Limited
Bank Al-Falah Limited.

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ORGANIZATIONAL STRUCTURE
National bank Hierarchy Chart

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Chirman
Presiden
t
Director
Director
Director
Sectary
board of
Director
Domestic
Overseas
operation
operation
SEVPs and
SEVPSs
Group Chief
SEVPs
SVPs
SVPs
EVPs
Officer Grade
I,II,III
Clerical Staff
Non Clerical
Staff

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Organization Structure:
NBP is leader of commercial bank it has well managed organization structure
With the geographical development of its different branches, the Bank has been able to
extend its services to a much larger number of Pakistanis all over the country. Today it
has more than 8.5 million accounts.
Apart from having a vast branch network, Bank is at the forefront in the
acquisition and application of new technologies in every aspect of its banking facilities. It
has acquired leased telephone lines for on-line banking. The Bank has 12 Regional
Computer Centers to cover various on-line and batch system requirements of branches
and controlling.
There are more than 15000 employees are working in NBP in different section of
department. Employees at Bank are quite efficient. As the branch is renovated and new
employees are hired, its employees have to bring their bank among the list of good banks.
Therefore, they work more than their working hours and it is all according to their will. It
also shows their loyalty, commitment to organization.
Employees are given the benefits like bonus, gratuity funds, loans, increments, and
medical.
All the customers are entertained individually. Same kind of behavior and
attention is given to all the customers. Getting ideas for improvement from customer side
is a new idea and that is working very well in National Bank. All the customers are asked
to fill a suggestion form and the standards of the bank are improved.

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Organization Hierarchy Chart.

Manager OG-I
Advance
Manager OG-II
Admin
OG-I
OG-II
Service
Cashier
Assistant
Assistant
Go down
Go down
keeper
keeper
OG-II
OG-II
Account
Credit
Assistant
Assistant
Go down
Go down
keeper
keeper
Head
Messenger
Messenger

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Number of Employees
There is more than 15000 employees work in the National Bank of Pakistan in
different departments. All of these employees are professional in their field and know to
solves the every harder of organization. Human resource department of the National Bank
of Pakistan can hire many new employees on the merit base. National Bank of Pakistan
facilitates the employees as a good pays, bonus and many more.
Introduction to all Department:

Department Chart:

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Branch Banking
General Banking
Credits /Loans
Deposits
Credit Facilities
Cash
Loans
Account Opening
Documentations
TDRs
Remittance
DD,TT,PO
Online Funds
Transfer
Collection of Cheques
Clearing
Bills
Account Department

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Deposits Department system :

Deposits are main source of the bank because the deposits are
the lifeblood of any commercial bank. The commercial bank can get
profit from saver and lenders. There are few organizations to which
funds are provided by their owners, but most of the organizations are
depend on external sources for their funds need. Borrowing funds from
different sources has become an essential feature of todays business
enterprises. But in the case of a bank borrowing funds from outside
parties is all the most vital because the entire banking system is based
on it.
The process of collection of deposits is called Deposits Mobilization.
The deposit can be divided in two main categories these are.
Time deposit
Demand deposits
Accounts Opening Department:
The Account Opening Department of NBP mainly performs the
function of:
Opening of Accounts
Closing of Accounts
Issuance of Cheque book
issuance of Statement of Account
Requirements:
Account opening has the following requirements:
Formal Request

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Specimen Signature
Minimum Initial Deposit
Operating the Account
Accounts Term and Condition:

Against the submission of the bank's prescribed application form,
duly introduced in the manner provided and on supply of documents
required, the account is made fully functional under certain conditions.
In case of account on PLS basis, bank invest the amount in any manner
it considers under PLS system.
Deposits:
All money to be deposited to the credit of an account is
accompanied by pay-in-slip showing the name and number of account
to be credited. Putting Bank's stamp under the signatures of two bank
officers on the pay-in-slip then authenticates the entry.
Closure of Account:
While closing the account, the account holder returns the unused
cheques and passbook to the bank. The customer also withdraws the
credit balance of the account (if any).
Issuance of Cheque book:
Before issuing a new cheque book the bank is required to give
requisition slip to the customer. The customer put his signature on the
requisition slip. After verifying the signature the cost of cheque book is
charged.
Types of Accounts:
Current Acounts
BBAs Accounts
PLS Account
Other Accounts
Current Accounts:
For current deposits NBP open the account in many name like
individual proprietary firms
partnership firm
private limited companies clubs

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Association societies
Other Institutions.
If the person who wants to open the account is not in position to

sign or signature is not firm or shaky the bank requires is photographs
and he has to come in the bank at the time of withdrawals of his
deposits.
The initial amount of deposits with which he can open the account less
then Rs.1000/But this restriction is not imposed to the accounts of charitable
institutions. Current accounts are opened on proper introduction and
submission of required documents.
No profit is paid on the current account holders.

Statement of Account is issued free of charge to the current
account holders on semi-annual basis.
No zakat is deducted on current account.
No withholding tax.
No limitation to the number of withdrawal.
BBAs Accounts
BBAs are stand for Basic banking accounts. This accounts
opened for individuals single or joints only. There are no profit are
given to the depositors and depositors are get money at least two
times. There are no other charges are made on further transactions fro
the banks own ATM.
PLS Saving Accounts:
PLS Saving accounts are basically introduced to encourage the
habit of saving among peoples. Savings Deposits account can be
opened with very small amount of money. State Bank of Pakistan has
introduce another Savings Scheme for school and college students and
industrial labor also. The purpose of these accounts is to inculcate the
habit of savings in the constituents. As such, the initial deposit required
for opening these accounts is very nominal.
Bank also encourage the Islam banking system in the country,
the NBP is get deposits on profit & loss sharing basis. The bank is
authorized to deduct service charges on half yearly basis. Profit on PLS
Saving Account is calculated on minimum monthly basis and is paid
half yearly basis announced by the Head Office after June 30 and
December. There is no restriction on the withdrawals from the deposit
accounts but the amount of money withdrawn is deleted from the

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amount to be taken for calculation of products for assessment of profit

to be paid to the account holder.
Other Accounts:
Followings other accounts are introduce the NBP.
National Income Daily accounts
Premium Amdani Accounts
PLS Term deposits
Call deposits
Foreign Currency Accounts
Remittance Department:
Four main Mode of remittance department are followings
Demand Draft
Pay Order
Mail Transfer/Online Funds Transfer
Telegraphic Transfer
Demand Draft:
Demand Draft or DD is a legal banking document payable on
demand for which value has been received, issued by one branch of
the bank drawn by the same other branch of the bank from entire city
to outside the city. In case of agreement the other branches of other
banks. e.g. can also draw it. DD issued by NBP payable by H
Issuance of Demand Draft
The customer on standard DD application form makes request.
All information such as name of beneficiary, place where the DD is
drawn, amount mode of payment, mode of authority, signature with
name and address is filled. The issuer checks the information.
Commission as per schedule of charges is charged. Withholding tax as
per applicable rates is recovered. After the customer has made
payment get the voucher from cash department.
Cancelation or Stop of DD

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If any customer wants to cancel DD, obtain application in writing

along with original DD. Verify the signature of applicant. This signature
should tally with the signature of DD application form. Check the DD
account into system of payment made or not. Mark cancellation in DD
issued register. Recover cancellation charges.
When Application form received from purchaser and verifies the
signature. Inform the drawer branch of the loss of DD and advise them
to mark caution against payment if presented. After necessary
checking, the drawer branch will inform the branch about the status of
DD whether it has been paid or still outstanding. Then the bank take a
action on the order of the customers.
PAY ORDER:
Pay order or PO issued from one branch is only payable from the
same branch. It is normally issued for payment in the same city and is
referred to as Bankers Cheque.
Issuance of PO
Get application form from the customer. Issue PO after
vouchering all necessary formalities of the bank .Get recovering
charges and withholding tax in case of cheque deposit for PO. Make
entry in PO issue register. All pay order must be crossed payees
account only. It must be noted that bank entire Branch Clearing
Advice is not involved because it is payable at the same branch and
same city only.
Cancellation and duplication and Stop of Po
Bank can get application for cancellation with original pay order.
For cancellation bank can recover cancellation charges and get the
signature from the depositors. Signature verified by the officer.
For duplication of Po the bank Check the record that payment
has never been made. Get application for issuing of duplicate PO.
Recover charges as per schedule. Issues duplicate PO by writing ink
red pen Duplicate PO.
Mail Transfer or Online funds Transfer
It is the quickest and safest modes of transfer of funds. Application
form submission same just like as DD. In Mail Transfar funds are
transfer through system within a seconds if 2nd branch is online. Funds

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transfer only same branch of the banks. It is necessary that the

customer must have the same
NBP Branch Code

account number of a drawer
name of place
Necessary requirements of funds transfer.
Account enquiry
Cash transactions
Transfer of funds
Printing statement
Inter-Branch Clearing Advice is involved.

The access can only be made through key password. If OK
message is received by the issuer branch system or host branch then
the source branch to proceed further otherwise not operate.
It is also a quick way of transfer funds from one branch to
another of the same bank through telephone, fax or telex. Procedure of
application and vouchering is same as a DD. Apply test on the TT
message and appropriate codes and instructions such as advice &
credit or advice & debit. It is mostly cleared through main branch of
the same area.
Collection of Cheque Department:
There are two main mode of cheque
Clearing
Bills
Clearing:
Clearing is a system by which banks exchange cheques and
other negotiable instruments drawn on each other Branches or banks,
within a specified area and for secure payment for their clients.
Through the clearing house at a specified time are required in an
efficient way.
Clearing House

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National Institutional Facilitation Technology (NIFT) Pvt. Limited is

performing the function of clearing and charge the commission against
in it. The commission of 'per' collection charges is Rs.2/- per cheque.
Before the NIFT, the State Bank of Pakistan (SBP) with efficient
controlling staff performed the process of clearing.
The process of clearing is carried in two categories.
Inward clearing
Outward clearing
Inward Clearing
The bank uses this book for the purpose of recording all the
clearing cheques, drafts etc. that are being received by the bank in the
first clearing. Cheque received of any parties after clearing are lodged
in the system by vouching date, signature, documents numbers is
noted.
The cheque without sufficient balance

changing in amount
signature and verifying
If the information is not correct then the bill or mode of clearing is

returned to the customer by attaching return memo explaining the
cause of cheque return. Return cheques also enter into the return
register by writing dates, causes of return, and amount. After posting
summary of cheques is prepared and cheques return to third parties
through NIFT.
Outward Clearing
The NBP can uses outward clearing register with the behalf of the
State bank of Pakistan for the purpose of recording all the details of the
cheques that the bank has delivered to other banks. There are the
cross cheques deposited by the customers for credit the same amount
to its account. Before posting following is being performed.
Crossing cheque stamp if not place it.

Title of account and account number from deposit slip is
checked.
The deposits slip is handed over to the customers by branch
stamping.

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Entry is done in daily register.

Add list is being prepared.
Special crossing clearing stamp of next day is affixed.
The payees amount will credit stamp is affixed on back of the
cheque.
In case of outside city clearing Inter-Branch Clearing Stamp is
affixed.
Place all the cheque in a back with special closing and sent to
NIFT.
Account Department:
In a account department can be check the daily transaction
activities.
Daily Transaction Activities:
The main function of Account department is to check daily transactions
whether these transaction is in mode of
Cash
Transfer of payments
Billing
Clearing of all the departments.
Following procedure is followed in checking daily activities carried out

in different departments of the branch.
All the vouchers, advices both manual and computerized

obtained for posting in the system of each department.
All the vouchers and advices are further sorted in ascending and
descending order for the sake of convenience in checking and
tally the information.
It is checked the account number, instrument number, document
number and amount appearing in words and figures are agreed
with the information appearing in the computerized record or
not.
In case of changing or discrepancy informed to the concerned
department.
All the credit, debit and billing voucher bunched separately.
The name of the branch, date of vouchering, title and number of
vouchers is written on voucher must be cover authorized
signature.

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COMMENTS ON THE ORGANIZATIONAL STRUCTURE

The formal pattern of how people and jobs are grouped in an
organization.
Departmentalization:
Departmentalization is basis which jobs are grouped together. All
the department of the NBP is very impressive to all the customers.
Chain Of Commond:
The NBP is the continuous line of authority that extends form
upper organization level to the lowest level and clarifies who report to
whom
Span of Control
Span of control is the number of subordinates who report directly to a
specific manager or head offices. There are three types of branch
categories i.e. I, II, & III in National Bank of Pakistan.
Category I Branches: Four employees report to their branch
manager.
Category II Branches: Eleven employees report to their branch
manager.
Category III Branches: Fifteen employees report to their branch
manager.
At branches level there is broader span of control but due to tall
structure of the Organization we find narrow span of control in the
bank.

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INTERNSHIP PROGRAM
NBP Layyah.
Branch Name
Branch code
Address
Phone Number
Fax Number
Tehsil
District
Province
Status
Email
Layyah
0358
Circular Road
0606-411706
411506
Layyah
Layyah
Punjab
Offline
Manager0358@nationalbank.com.pk
Manager
Opsmanage0358@natinalbank.com.pk
Malik Arif
In this department there are 27 employees are currently working in branch, in

these sequence.
Designation

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Numbers of employees
Managerial
Data entry officer
Credit Officer
Others officers
Peons
Security Guard
Total
6
6
4
7
2
2
27
All of these employees are well experienced in their relative fields, in result there is very
cooperative environment with each other as well as customers. So through this we can
have a complete picture on this branch of NBP. This type of bank or organization is most
important for the study purpose to get more practical approach; this branch shows the real
image of NBP as well as banking field
NBP Branch Layyah established with the aim of providing more and more facilities to the
customers of the different areas as well as directs their attention to deposit money in the
bank instead of other bank of their competitors.
The NBP has avoided the any risk, this Bank provide to the customers safety from the
pending and pillaging. It was all about satisfaction the customers and other factor object
of the opening of the branch at Layyah. NBP Layyah get more deposits as to earn more
profit due to well planned authority might have think that greater profit be achieved of a
branch is to be opened more branches at nearest suitable area.
Internship period:
Starting date of Internship is
16 March 2011
Ending date of Internship is
20 June 2011
Detail of the Departments I Worked In

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During the eight weeks of my internship program I got lots of knowledge. I am

doing in these departments.
Sr. #
Name of Department
1
2
3
4
5
6
Deposits
Accounts opening
Credits
Clearing
Remittances
Cash Department
From
16-04-2011
25-04-2011
05-05-2011
15-05-2011
25-05-2011
04-06-2011

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Duration
To (date)
24-04-2011
04-05-2011
14-05-2011
24-05-2011
03-06-2011
10-06-2011
TRAINING PROGRAM
DEPOSITS DEPARTMENT SYSTEM :

During the 10 days of my internship I observed that Deposits are main source of
the bank because the deposits are the lifeblood of any commercial bank. The commercial
bank can get profit from saver and lenders. There are few organizations to which funds
are provided by their owners, but most of the organizations are depend on external
sources for their funds need. Borrowing funds from different sources has become an
essential feature of todays business enterprises. But in the case of a bank borrowing
funds from outside parties is all the most vital because the entire banking system is based
on it. The process of collection of deposits is called Deposits Mobilization.
The deposit can be divided in two main categories these are.
Time deposit
Demand deposits
Accounts Opening Department:

During the next 10 days of my internship I observed that The Account Opening
Department of NBP mainly performs the function of:
Opening of Accounts
Closing of Accounts
Requirements:
Account opening has the following requirements:
Formal Request

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Specimen Signature
Minimum Initial Deposit
Operating the Account
Accounts Term and Condition:

Against the submission of the bank's prescribed application form, duly introduced
in the manner provided and on supply of documents required, the account is made fully
functional under certain conditions. In case of account on PLS basis, bank invest the
amount in any manner it considers under PLS system.
Deposits:
All money to be deposited to the credit of an account is accompanied by pay-inslip showing the name and number of account to be credited. Putting Bank's stamp under
the signatures of two bank officers on the pay-in-slip then authenticates the entry.
Closure of Account:
While closing the account, the account holder returns the unused cheques and
passbook to the bank. The customer also withdraws the credit balance of the account (if
any).
Issuance of Cheque book:
Before issuing a new cheque book the bank is required to give requisition slip to
the customer. The customer put his signature on the requisition slip. After verifying the
signature the cost of cheque book is charged.
Types of Accounts:
Current Acounts
BBAs Accounts
PLS Account
Other Accounts
Current Accounts:

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For current deposits NBP open the account in many name like
individual proprietary firms
partnership firm
private limited companies clubs
Association societies
Other Institutions.
If the person who wants to open the account is not in position to sign or signature is
not firm or shaky the bank requires is photographs and he has to come in the bank at the
time of withdrawals of his deposits.
The initial amount of deposits with which he can open the account less then Rs.1000/But this restriction is not imposed to the accounts of charitable institutions. Current
accounts are opened on proper introduction and submission of required documents.
No profit is paid on the current account holders.
Statement of Account is issued free of charge to the current account holders on

semi-annual basis.
No zakat is deducted on current account.
No withholding tax.
No limitation to the number of withdrawal.
BBAs Accounts
BBAs are stand for Basic banking accounts. This accounts opened for individuals
single or joints only. There are no profit are given to the depositors and depositors are get
money at least two times. There are no other charges are made on further transactions fro
the banks own ATM.
PLS Saving Accounts:

VU ID mc090401452
PLS Saving accounts are basically introduced to encourage the habit of saving
among peoples. Savings Deposits account can be opened with very small amount of
money. State Bank of Pakistan has introduce another Savings Scheme for school and
college students and industrial labor also. The purpose of these accounts is to inculcate
the habit of savings in the constituents. As such, the initial deposit required for opening
these accounts is very nominal.
Bank also encourage the Islam banking system in the country, the NBP is get
deposits on profit & loss sharing basis. The bank is authorized to deduct service charges
on half yearly basis. Profit on PLS Saving Account is calculated on minimum monthly
basis and is paid half yearly basis announced by the Head Office after June 30 and
December. There is no restriction on the withdrawals from the deposit accounts but the
amount of money withdrawn is deleted from the amount to be taken for calculation of
products for assessment of profit to be paid to the account holder.
Other Accounts:
Followings other accounts are introduce the NBP.
National Income Daily accounts
Premium Amdani Accounts
PLS Term deposits
Call deposits
Foreign Currency Accounts
The Account Opening Department of NBP mainly performs the function of:
Opening of Accounts
Closing of Accounts
CREDIT DEPARTMENT:

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During the 05-May 2011 to 14-May 2011 I observed in NBP that this financial
institution is gives loans to the borrowers for different purposes. These loans are given for
various sectors for different periods these are
Small Finance
Cash Finance
House Building Finance (Saiban)
NBP Karobar Scheme
Agriculture Finance
Cash & Gold Loan
Personal Loans
Demand Finance
Running Finance
Corporate Finance
Export Import Financing

The National Bank of Pakistan has also been trying to ensure that loans are
disbursed to desire agri. grower within a reasonable time and that the bank turns down no
viable loan request. Retail and Commercial wing enhanced the profitability of the
National Bank of Pakistan. National Bank of Pakistan became the largest profit-earning
bank of the country by introducing personal loans i.e. NBP Advance Salary Scheme and
Saiban Scheme etc.
CLEARING:
In internship program of my internship I see the clearing department in NBP that
Clearing is a system by which banks
Exchange cheques
Negotiable instruments
These instrument can be Drawn on each other Branches or banks, within a

specified area and for secure payment for their clients. Through the clearing house at a

VU ID mc090401452
specified time are required in an efficient way. National Institutional Facilitation

Technology (NIFT) Pvt. Limited is performing the function of clearing and charge the
commission against in it. The commission of 'per' collection charges is only Rs.2 per
cheque. Before the NIFT, the State Bank of Pakistan (SBP) with efficient controlling staff
performed the process of clearing.
The process of clearing is carried in two categories.
Inward clearing
Outward clearing Clearing House
Inward Clearing
The bank uses this book for the purpose of recording all the clearing cheques, drafts
etc. that are being received by the bank in the first clearing. Cheque received of any
parties after clearing are lodged in the system by vouching date, signature, documents
numbers is noted.
The cheque without sufficient balance
changing in amount
signature and verifying
Outward Clearing
The NBP can uses outward clearing register with the behalf of the State bank of
Pakistan for the purpose of recording all the details of the cheques that the bank has
delivered to other banks. There are the cross cheques deposited by the customers for
credit the same amount to its account. Before posting following is being performed.
Crossing cheque stamp if not place it.

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Title of account and account number from deposit slip is checked.
The deposits slip is handed over to the customers by branch stamping.
Entry is done in daily register.
Add list is being prepared.
Special crossing clearing stamp of next day is affixed.
The payees amount will credit stamp is affixed on back of the cheque.
In case of outside city clearing Inter-Branch Clearing Stamp is affixed.
Place all the cheque in a back with special closing and sent to NIFT.
REMITTANCE DEPARTMENT:
25 May 2011 to 03-June 2011 I work in NBP Remittance Department. This is a great
chance for me to work on it. During the my internship I observed that the remittance
department are Four main Mode of remittance department are followings
Demand Draft
Pay Order
Mail Transfer/Online Funds Transfer
Demand Draft:
Demand Draft or DD is a legal banking document payable on demand for which
value has been received, issued by one branch of the bank drawn by the same other
branch of the bank from entire city to outside the city. In case of agreement the other
branches of other banks. e.g. can also draw it. DD issued by NBP payable by H
Issuance of Demand Draft
The customer on standard DD application form makes request. All information
such as name of beneficiary, place where the DD is drawn, amount mode of payment,
mode of authority, signature with name and address is filled. The issuer checks the
information. Commission as per schedule of charges is charged. Withholding tax as per
applicable rates is recovered. After the customer has made payment get the voucher from
cash department.

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Cancelation or Stop of DD
If any customer wants to cancel DD, obtain application in writing along with
original DD. Verify the signature of applicant. This signature should tally with the
signature of DD application form. Check the DD account into system of payment made
or not. Mark cancellation in DD issued register. Recover cancellation charges.
When Application form received from purchaser and verifies the signature.
Inform the drawer branch of the loss of DD and advise them to mark caution against
payment if presented. After necessary checking, the drawer branch will inform the branch
about the status of DD whether it has been paid or still outstanding. Then the bank take a
action on the order of the customers.
Pay Order:
Pay order or PO issued from one branch is only payable from the same branch. It is
normally issued for payment in the same city and is referred to as Bankers Cheque.
Issuance of PO
Get application form from the customer. Issue PO after vouchering all necessary
formalities of the bank .Get recovering charges and withholding tax in case of cheque
deposit for PO. Make entry in PO issue register. All pay order must be crossed payees
account only. It must be noted that bank entire Branch Clearing Advice is not involved
because it is payable at the same branch and same city only.
Cancellation and duplication and Stop of Po

Bank can get application for cancellation with original pay order. For cancellation bank
can recover cancellation charges and get the signature from the depositors. Signature
verified by the officer.
For duplication of Po the bank Check the record that payment has never been made. Get
application for issuing of duplicate PO. Recover charges as per schedule. Issues duplicate
PO by writing ink red pen Duplicate PO.

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Mail Transfer or Online funds Transfer

It is the quickest and safest modes of transfer of funds. Application form submission
same just like as DD. In Mail Transfar funds are transfer through system within a seconds
if 2nd branch is online. Funds transfer only same branch of the banks. It is necessary that
the customer must have the same
NBP Branch Code
account number of a drawer
name of place
Necessary requirements of funds transfer.
Account enquiry
Cash transactions
Transfer of funds
Printing statement
Inter-Branch Clearing Advice is involved.

The access can only be made through key password. If OK message is received
by the issuer branch system or host branch then the source branch to proceed further
otherwise not operate.
It is also a quick way of transfer funds from one branch to another of the same
bank through telephone, fax or telex. Procedure of application and vouchering is same as
a DD. Apply test on the TT message and appropriate codes and instructions such as
advice & credit or advice & debit. It is mostly cleared through main branch of the same
area.
CASH DEPARTMENT:

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In last days of my internship I work in cash department and this department can
deals Government treasury on behalf of State Bank of Pakistan. There are Chest, Subchest and Non-chest branches in the bank. State bank of Pakistan issues currency notes
and monitoring the cash flow of the bank. Cash In charge and other cashiers deal with
cash receipt and payment in the bank.
And also the following books are maintained in the cash department:
Receiving Cashier Books
Token Book
Paying Cashier Book
scroll Books
Cash Balance Book
The Cash department can deals three main functions:
Bank Receipt and payment
Government Receipt and payment
Collection of utility bills
Details are followings:
Bank payments & receipts

Bank payments or receipt money means cash payments to those persons who
represent cheques and bank receipts includes cash deposits made by account holders.
Government receipts & payments

Government receipts and payment means collection of income tax, property tax,
sales tax and traffic challans form the different department on the behalf of the customers.
Government payments include salary payments to Govt. employees and Pension
payments.
Collection of utility bills

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The collection of utility bills is that bill that is includes electricity bills, gas and
water bills. It also includes PTCL bills.
STRUCTURE OF THE MARKETING DEPARTMENT

STRUCTURE OF THE MARKETING DEPARTMENT
National Bank of Pakistan gives the employer choice. The whole NBP family
comprises of committed and dedicated members with passion to serve in their respective
functional areas. When I talk about the structure of marketing department in NBP it is
very clear that the Auto financing department, agriculture department, Consumer finance
department and the marketing departments in National Bank of Pakistan is a commercial
bank. The marketing career path is full of challenges and opportunities. The Bank has
absolutely open culture where members share and communicate freely the most
important asset of NBP is its people.
CHART:

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Marketing Department
Customer Service
Department
Auto Finance Department
Head of Agri.
Head of Auto Fnance
Head of Consumer
Department
Deptment
Finance
Head of CS Depatment
Jounior Officer
Consumer Finance
Agriculture Department
Grade 1 Officer
Department
Jounior Oficer
Jouior Officer
NUMBERS OF EMPLOYEES:
There are 10 employees are working in the organization for marketing department. These
all of members are very competitive and well trained. They also knew the customers
needs and wants. And they also knew how to handle these problems and new
environment.
MARKETING OPERATION:
Before discussing marketing operation of National Bank of Pakistan, I want to
clarify Marketing and the Marketing Department and their difference. Marketing might
best be defined as
All organized efforts, activities and expenditures designed to, first, acquire a
customer and, second, maintain a customer.
The Marketing Department
Marketing department is a unit of organization, traditionally charged with
carrying out specific tasks that are deemed to be "marketing

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Marketing involves a range of processes concerned with finding out what

consumers want, and then providing it for them. These are involves four key elements,
which are referred to as the 4P's of marketing Mix. A useful starting point therefore is to
carry out market research to find out about customer requirements in relation to the 4Ps.
Right Product
Right Price
Right Place
Right Promotion
Marketing operation of NBP Layyah is to identify the needs and wants of the
consumer and provide the right product, right price, right place and right promotions.
National Bank of Pakistan is mainly focus on this points that how to aware the customer
on their product and service and how to convert their need into demand and aware the
customer or target audience about organization. For this purpose the NBP use different
promotion scheme, such advertisement banner through different communication media
like internet and newspaper for convey their message to target audience.
Marketing operation are performed by the employees working in these
departments like auto finance department, agriculture department, consumer financing
department and customer service department. The target of this department is to increase
in the deposit of the bank as compared to competitors. The employee is very talented and
knows the value of customer e.g in agriculture department the head and junior officer
provide detail about the agriculture products and they do marketing in the shape of
banners new ad and try to create the attraction of the customer toward the organization.
The main function of marketing Departments are
Give equity opportunities to all applicants.
Recommend reward and promotion for the employees
Select the most suitable person for the marketing function
Requiting is one merit

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FUNCTIONS OF THE MARKETING DEPARTMENT

FUNCTION OF MARKETING DEPARTMENT:
There are following function of marketing Department
Focus on the Customer
Manage a Budget.
Give equity opportunities for all the applicants.
Select the most suitable person for the marketing function.

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Recommend reward and promotion for the employees
Create New Ideas.
Communicate Internally.
For the purpose of selection conduct interviews, tests
Understand the ROI.
Set the Strategy, Plan the Attack, and Execute.
Monitor the Competition
Own the Brand
Find & Direct Outside Vendors.
SEGMENTATION STRATEGY:
National Bank of Pakistan segment in market as geographical demographic the
size of the this market is very wide as compares to other markets. So, In geographical
segment of the NBP is divide their segment as religion and cities atmosphere. The most
of the population of Pakistan is Muslim so it offer both Islamic banking and commercial
banking for religious group it offer Islamic banking free of interest rate and for secular
group it offer the commercial banking In demographic segment it divide the market into
age income education occupation and nationality. And other is workings as a leader of the
bank and performing the clearance department functions
NBP is offer different product for different segment to target customer in
demographic segment. it is divide the market into age wise for example student 18-30
and retired or pensioner 40-65 For student National Bank of Pakistan provide some
special deposit account NBP has also segment their market in occupation the target
audience that are related to agriculture provide them different kind of scheme Kissan
Dost etc.
TARGET MARKETING STRATEGY:
NBP main focus is to encourage the people to serve the people. The goal is to
reach a subset of the population who may be interested in your particular product. These

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focus group of people is your target market. The target market of NBP is given below
which is based on
Objective of the organization which it wants to achieve target market of commercial
bank is
Customer having deposit
Kissan
Customer who wants to purchase vehicle
All agriculture related
Customer desires different loan
School college and business industries
Financial invertors
Consumer having interested to purchase on leasing
Religious group interested in Islamic Banking
Group of people needs to get banking services such as utility bills collector
In the term of targeting the market is used when that market is the target at which
you aim of all your marketing efforts. The markets you are trying to reach are people with
common characteristics that set them and apart as a group. There are two important factor
to consider when selecting a target market segment are the
Attractiveness of the Products
Resources and capabilities
PRODUCT PLANNING, DEVELOPMENT AND MANAGEMENT
Product planning is making decisions about the features that are needed to sell a
business's products, services, or ideas to the customers. When any new product is
launched by the NBP then the planning development and management of the product is
perform.

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Before Lunching the new product management will continuously observe the
market need and wants and plan for the product that can achieve the organization goals
and objective Companies must be constantly modifying existing products and developing
new ones. most new products are modifications of or extensions to existing ones the
introduction of a new product is a strategic decision which should be guided by the
companys goals and a new product introduction strategy when the organization think
that there product is not achieving organization goal then they decide to create new
product or to modify it
The management should keep the following point when developing new product is
best developed
The first two stages provide a focus for generating new-product ideas and a basis
for evaluating them.
The next three stages deal with ideas and are the least expensive.
must satisfy key financial criteria
should also be compatible with production capabilities, satisfy legal requirements,

and fit with corporate goals and objectives
must be compatible with environmental standards
must fit with the companys marketing structure
Product management is an organizational lifecycle function within a company dealing

with the planning or marketing of a product or products at all stages of the product
lifecycle.
The role of product management spans many activities from strategic to
tactical and varies based on the organizational structure of the company each product has
life cycle introduction growth maturity and decline when a product reach at maturity
level management try to keep maintain this level the branch manger is tray to mange the
product and tray to provide their best management to their customer and provide them
good and better environment. When the bank see that product or service is not filling
customer need then they develop a new product or modify it the key point is how to
mange the product it depends on management how the present their product to customer
to achieve their goal.

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POSITIONING
NBP is having a unique position in the mind of the people because of the good repute in
the market. In marketing, positioning has come to mean the process by which bank try to
create an image or develop the minds of their target market for its product, brand, or
organization. It is the 'relative competitive comparison' their product occupies in a given
market as perceived by the target market.
National Bank of Pakistan has strong positioning in the mind of their customer or target
market due to its product unique attribute characteristic feature and superior service. Top
management always try to differentiate their product and service using different
Promotion scheme. To communicate their audience and create strong identity , smarter
name, crisper new colors and fresh new look are an insight to our views on banking. The
aim to provide innovative financial solutions to customers, with the security of knowing
they are dealing with one of the strongest financial institutions in the country.
A carefully crafted business positioning strategy can be used as a guideline for judging
the appropriateness of all marketing programs, especially for promotion, advertising, and
PR events. It will ensure that our business image is consistent to your target buyers/end
users and help to build an enduring, memorable (and hopefully unique) message to sell
your business products
PRICING STRATEGY
Pricing Strategy is one of the four Ps of the marketing mix. This marketing mix
strategy is different form other because it is the only revenue generating element amongst
the 4ps, the rest being cost centers.
NBP use different price strategy for different products and service to achieve the
organization financial goals for each product. It use different strategy when any new
product is lunched by the NBP the top management of the bank must the see the
marketing objective. Before selecting a suitable price for a product, the marketer is

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needed to review the company's objectives. The more clearer the company's objectives
the more easily to set a price
Following are the possible pricing objectives
Survival
Maximum current profit,
Maximum market share,
Maximum market skimming,
Product quality leadership.
Following are the steps in setting price for a product
Selecting the pricing objectives
Estimating costs;
Analyzing the competitors' costs, prices and offers
Selecting a pricing method;
Selecting the final price.
STRUCTURE OF THE SALES DEPARTMENT
STRUCTURE OF THE SALE DEPARTMENT

When we talk about the structure of sale department National Bank of Pakistan
Limited then the auto financing department, agriculture department, consumer finance

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and credit department are the sale departments of NBP. And there motive is sell their
product and service to their customer.
Hierarchy Chart:
General manager
Sales
Sales manager
Sales manager
Regional Head
Regional Head
Distt Sales
Distt. Sales
managers
Managers
Branch
Branch
Manager
Manager
Employees
There are 7 employees are working in the organization for marketing department. These
all of members are very competitive and well trained. They also knew the customers
needs and wants. And they also knew how to handle these problems and new
environment.
SALES OPERATIONS
The sale departments perform the sale operation sale departments is NBP Limited
are the auto finance department, agriculture department and consumer finance department
is they first marketing of their products and services and after that they sell their products

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to customers each of these department are individually or separately involved in the

marketing and sell their product and service customer fianc
Department open different account to customer and provide them service give them detail
information about their product and service when any customer want to open the account
in the bank customer service work as a sale department and sell the product and service
issuing of cheque book credit card and debit card is performed by the customer
department.
The selling function of NBP is an important element of the overall marketing process. In
many instances, some component of the Marketing Department is responsible for
developing leads and then turns them over to the Sales Department. Make sure that
planning and execution of plans is always coordinated, and that all programs are
integrated across both marketing and sales efforts.

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CRITICAL ANALYSIS
No proper critical analysis.

You are required to thoroughly observe the activities and
practices in the organization and relate these activities with
the theoretical concepts you studied during your academic
career. To relate means to judge whether these practices
are in accordance with the theory and the declared standards
of the organization or not. You would have to comment
whether they do so or not.
The concept about critical analysis is not much clear. You are
required to critically analyze the gap between actual
marketing principles and practices adopted by the
organization. You should have to critically analyze about
advertising, pricing, promotion and placement strategies.
During my 8 weeks of internship I got lot of knowledge of job descriptions and

responsibilities of the employees were multi tasking. The job of bank environment is
entirely different from the concepts which I studied in the books. So I observed that work
in National Bank of Pakistan is competitive era we need to develop multi tasking skills
along with dynamic personality and strong communication skills.
During the internship I also observed that National Bank Layyah have 22 twenty eight
employees working in many different sector. I observed some of these obstacles in the
branch.
There is no job training proper given to the employees
The employees behavior is not good to the customer.
The staff is not technical trained
Burden of the works

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The decision making is centralize and that create the distance between the higher
and lower level of the employees that can create the stress on the employees.
The work of assignment witch are given to me is very knowledge full. I do our
internship work in this assignment are covered
Cash deposit
Accounts opening
Adjusting Loans
Remittances
Cash department
Pension
Some of these departments I have got lot of experience. National Bank of Pakistan
showed its remarkable progress in retail banking in short period of 18 months. The
National Bank of Pakistan is becoming the market leader in consumer financing and
charming products have already achieved countrywide acceptability. The NBP advance
salary and Saibaan are Rs. 24 billion so far. The consumer of these products are 500, 000
approximately.
Corporate banking Group is dedicated to offers corporate and investment baking
services to large clients. The NBP committed to improve the quality and banking skills of
its human resource, imparting need base training and qualified professionals at entry
levels. The bank continued to improve its technological platform by expanding its ATM
network and increasing on line branches.
The National Bank of Pakistan is award wining during 2 previous years these are.
Bank of the Year awarded for the year 2010 by the world renowned The
Banker magazine owned by the Financial Times Group, London
NBP is awarded President of Pakistan Trophy, a top slot award by Federation of

Pakistan Chambers of Commerce and Industry in 2010.
NBP is awarded Prime Minister of Pakistan Trophy, a top slot award by Lahore
Chambers of Commerce and Industry in 2010

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Among the global leading banks, NBP is the only Pakistani bank appearing in top
500 banks of the world in The Banker magazine owned by the Financial Times
Group, London
Bank of the Year awarded for the year 2008 by the world renowned The
Banker magazine owned by the Financial Times Group, London
Worlds Best Foreign Exchange Bank 2008 awarded by worlds leading

financial journal Global Finance
The award wining is very encouraging for any sector of their employees. That shows
the ability and real picture of the any business.

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SWOT ANALYSIS
Strengths are those qualities which distinguish or give an
edge to the organization over other organizations.
Mention competitive edge over its competitors. Following are
the common points also prevailing in its competitors. Also
mention few competitive edges over its competitor related to
your specialization i.e marketing.
There must few points related to your specialization i.e

marketing.
Weaknesses are the attributes of an organization that are

harmful in achieving the objectives of the organization.
Mention some weakness related to your specialization i.e

marketing.
Opportunities are the external factors that are helpful for

achieving the objectives of the organization.
Threats are the external factors which could damage the

performance of the organization.
SWOT an ellipsis that stands for strengths, weakness, opportunities and threats.
SWOT analysis may be include the followings strategic models.
Strengths: Characteristics of the business or team that gives it advantages over

other in the industry.
Weakness: Characteristics that place the firm at a disadvantages relative to others

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Opportunities: External chances to make greater sales or profits in the

environment
Threats External elements in the environment that could cause trouble for the
business.
SWOT analysis a careful evaluation of an organizations internal strengths, weakness

as well as its external environmental opportunities and threats. SWOT analysis involves
specifying the objective of the business venture or project and indentifying the overall
performance of the business. The technique is credited to Albert Humphrey, who led a
convention at Stanford University in the 1960s and 1970s using data from Fortune 500
companies.
Marketing management often finds it necessary to invest in research to collect the data
required to perform accurate marketing analysis. Accordingly, management often
conducts market research to obtain this information. Marketers employees a variety of
techniques to conduct market research, but some of the more common include:
Qualitative marketing research such as focus groups
Quantitative marketing research, such as statistical surveys
Experimental techniques such as test markets
Observational techniques such as ethnographic observation
Marketing managers may also design and oversee various environmental scanning
and competitive intelligence processes to help identify trends and inform the
company's marketing analysis.
In eight weak of working in the National Bank of Pakistan I have come across the
following SWOT analysis.
STRENGTH
A National Bank brand image is its major strength. It has always been considered
as the pillar of the country's economic scenario asset wise or balance sheet wise. Its
image, work force, network and reputation have created a sentimental and emotional
attachment of the people with the bank. The computerized networking is strength of the

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bank of every bank. Now the bank has the ability to compete with any multinational bank
as to keep pace with the changing and fast growing world of today computer have
become necessities of every units. The reserve funds indicate positive sign as they have
increased as compared to the previous years. The competitive edge of the National Bank
of Pakistan has on the rest of the competitors is its expanding business worldwide
catering for a large and vast group of customers and maintain standards of excellence
globally. Followings is a press release report.
Press release on 8 July 2011

NBP Awarded Top Bank in Pakistan
NBP has outperformed all the banks in Pakistan according to the recently
announced TOP 1000 World Banks 2010 by The Banker magazine of UK. Every year
The Banker publishes a list of TOP 1000 banks based on Strength, Size, Soundness,
Profit and Performance. NBP, based on Tier 1 Capital Strength, has been awarded as the
Top Bank in Pakistan. Among the global leading banks NBP is the only bank that has
made to the list of top 500 from Pakistan. The Banker since 84 years has been a flagship
Global Financial Intelligence magazine of Financial Times Group of UK. Its ratings and
lists are referred by professionals and governments worldwide some of the strengths
points of the National Bank of Pakistan.
Some other strengths of National Bank of Pakistan are following.
Functioning as an agent of State Bank of Pakistan
Having Highest Assets and Capital in Pakistan
Stable AAA/A-1+ (Tipple A/a-One Plus) rated bank
Declared Worlds best Foreign Exchange bank in 2008
Pakistan by its overseas operations
Highest Profitability bank of Pakistan
Computerized networking:

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Focus on expending business worldwide:
Organizational culture:
Strategic top management:
Being the pioneer of banking in Pakistan, NBP is one of the oldest banks and is
the richest in experience.
Best Return on Capital Bank for 2006 amongst all the banks in Asia
The band is always on the look to improve its services both to the domestic as
well as overseas customers.
Human resources development and introduction of new technology towards

modern banking.
24 hours cash access and safe payment products for high value transaction.
Having potential to encounter the competitive environment in the market.
Dealing Government Treasury where SBP has not its own branch
Having unshakable trust of the public and its stakeholders
Giving Loans alone in the market against Gold Ornaments
high profit on NBP-Advance Salary Loan Scheme
Facing never problem of cash/currency being its Chest and Sub-chest
Holds largest deposit base in the market share in terms of number of accounts
Helping in earning of foreign exchange, remittances and leading agent of Western

Union Money Transfer
WEAKNESS:
Good will of any bank makes its weakness. Weakness in National Bank of
Pakistan has two types like downsizing and rightsizing. Due to downsizing of National
Bank of Pakistan policy can be made its own weakness. The experienced and devoted
employees were leaving the bank. Due to right sizing a lot of confusions have taken place
as well. From 1995 onward bank exhibits a downward trend indicating its low

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performance-showing decline in total assets. This downward trend can caused a great
threat to the bank as its competitors are talking its market share, which can cause ruining
the image and reputation of the bank thus posing danger in the long run.
There is some of another weakness in the National Bank of Pakistan system.
Lack of computer network
Lack of modern equipment
Uneven work distribution
Lowest Internal Control and Compliance System, SBP rated Marginal which is
alarming for the Bank
Unsatisfactory corporate culture of the Bank
Physical environment and atmosphere compare to other banks is not meet the
standard
Less number of Online Branches
Shortage of staff- per employee customer is very high side
Technical education and training of staff is insufficient
Less Monitoring and control of branches
Political interference in the recruitment system
Uncertainly among the employees due to threat of downsizing
Extremely burden on employees due to work pressure
No coordination among the employees.
The general out look an interior layout of branches are not as required according
to modern banking
Less numbers of ATM machine.
Different branches are pending because of this updating daily record is becoming
very difficult.
Less attention to the rural development
Lack of marketing efforts

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Inefficient counter services in the rush hours
Exposure and experience of the staff
Less attention to the rural development
Loan formalities
Favoritism in loans
Poor recovery system
Employees dissatisfaction
All scheme for landmarks
Poor planning the bank had book losses of over 1.2 billion rupees in the karobar
scheme.
Large number of defaulters
In NBPs five year strategic plan 2007-2011 approved by board of directors does
not address any serious thinking on
o Productivity improvement and benchmarking with the competition.
o Development required for serving major sectors of the economy.
o Infrastructure to support planned growth and vision.
o Inducting and leveraging specialized human capital.
o Bringing the institution on international banking landscape in the coming
five years, not to speak of the seven years which the current management
has already served.
OPPORTUNITY:
Reorganizing the efforts of NBP has open many opportunities for growing. National
Bank has very bright prospects for the future. They plan to region their lost glory not only
in terms of profitability but also include latest technology and competent work force.
NBP is the only bank which is providing facility of bills collecting from 9 AM. To 5 PM
and give the pension.
NBP is considering setting up an exclusive utility bank in
collaboration with a private firm, which would provide this service for 12 hours. They
also have taken steps to improve customers service, streamline internal procedure and
creating a delectating climate for technology initiative.

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Some other opportunities of National Bank of Pakistan are following.
Electronic banking
Micro financing
Political influence and instability
Closing of all those branches which are burden on NPB
Management to offer specialized services to major corporate
Stronger and deeper relationships with existing and potential customers.
Cross selling of other Union Bank Products.
Sponsor it based projects
Good will and better images
Growth in the industrial sector.
Starting of the retail banking initial working
Committed employees due to payment of higher salaries.
Government patronage
Comprehensive training programs have been developing to up degrade the core

baking skills.
To improve the motivation of staff
In opportunity exist, in form of opening of ladies banking section within the

branch
NBP has given the opportunity to customer feedback on different products and
accounts has really improved the bank performance and encourage the
atmosphere for other future policies
Its vast network of domestic and overseas branches can help to expand business.
Banks deposit is increasing rapidly so there is a great opportunity to enhance its

investment and financing.
Being an agent of State Bank of Pakistan it can play vital role in local economy.

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Earning commission/exchange on Government transactions.
NBP also has an opportunity to expand its new technological advancement like,
online bank and internet banking facilities in order to serve the customers more
efficiently.
A good job recruitment policy of hiring business graduates.
Starting of the retail banking initial working.
Setting of target for of making maximum branches country wide on line.
To improve the motivation of staff a merit-based culture is being promoted or

recruitment.
Being a Government Bank NBP having wide scope in economic market.
Trust and reliability creates chances to enhance deposit and profitability.
THREATS:
The National Bank of Pakistan can be threat means the threats to economy of Pakistan.
NBP has not considered the small bank in Pakistan, Due to large number of customers
and their dealing with other banks. Freezing of accounts by the State Bank of Pakistan
have also caused problem for NBP. But the recent facts and figures indicate that the banks
major rivals lime MCB and HBL are causing threats to the bank in the long run of
market. For some time they can get large number of customer due to their rising
standards giving quality service and value added products.
Political influence and instability
Sick projects
Lack of modern baking system
Emergence of new competitors
Political pressure by elected government
Downsizing
Customer complains

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SBP penalties due to low internal control.
NBP staff code of ethics and practices.
High number of complaints regarding staff behavior.
SBP rated just Marginal in respect of System & Control which is alarming
Government, SBP and Prudential Rules and Regulations.
High probability of competitive reaction
Government Schemes, Government Revenue Collection, Government.
Payments and FBR Collections create heavy workload.
Foreign banks may increase marketing support and aggressive sales drive.
Launch of similar products by large nationalizes banks with extensive distribution

network.
The Employee Turnover Can Create A Serious Problem For The Bank.
Facing more competition by foreign banks in the market.
Also the increasing operation of private banks.
Highly attractive and advance services by foreign banks to their customers.
The threat of inconsistency and government policy regarding to business and

economics sectors, specially political and regional situation which makes the
environment uncertain.
Growing global technological advancement.
Strict regulation by government over credit facilities to the customers as well as to

meet the prudential.
Schedule banks and Multinational/International banks profit rates.
Its staff switching over to other private banks due to more facilities.
Other banks charming atmosphere and relaxation in documentation.
Pakistan Is A Developing Country And Our Debt-Burdened Economy Is A Major

Threat
Loss of confidence of overseas customers due to freezing of accounts.

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From SWOT analysis we can conclude that the management of the bank should
adopt systematic planning for the bank growth, introduced new schemes NBP has
more customers as compare to other banks, if they given proper attention to every
customer then if in few years it will be the leading bank of the country.

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CONCLUSION
You are required to describe the organization according to
your evaluation/assessment in the light of critical and SWOT
analyses.
During my 8 weeks internship I got lot of knowledge and I observed some of things such
as its working procedures, policies, and many other things of practical nature of any big
organization and banking sector. On the basis of all these observations, I have come to the
conclusion. The banking field is more competitive and dynamic now days. In this
competitive environment the bank must have to use more innovative and creative ideas at
right time then they attract customers. Starting ATM facility in many big cities due to its
customer are loyal to it. Its equity position is very strong and it can compare competitor
in every aspect of banking. NBP is one of the oldest and more settled bank of Pakistan in
fact it remained in business of financial services for many years. During its course of
history NBP contributed a lot in the development and fostering the growth of economy in
the country.
Some more concluded that
National Bank of Pakistan has backbone of the economy
Work agent of Stat Bank of Pakistan
Main purpose to facilitate their nation or their public.
National Bank of Pakistan work also a commercial banking
This bank is only bank which must cover the backward regions of the country.
NBP face many problems like management, marketing strategies, organizational,

labor union and motivation.
NBP widely regarded as top level bank
NBP has unique position to find the balance between the strengths and weakness.

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The bank has successfully penetrated key market through branch expansion and
business diversification
The National Bank of Pakistan plays a key role in the strategic national
development.
In contract to other banks populating the FSI sector, NBP is mandated to uphold
public interest. It is critical too as all other banks and NBFIs in public sector have
been closed down or merged with NBP.
In contract to other banks populating the FSI sector, NBP is mandated to uphold
public interest. It is critical too as all other banks and NBFIs in public sector have
been closed down or merged with NBP.
The current management of National Bank of Pakistan was hired purely for their
international experience, bank serving public interest along the lines of a large
modern commercial bank.
Annual budget of the bank is approved by the Board and monthly comparisons of
actual results with the budget are prepared and reviewed by the senior
management.
The National Bank of Pakistan has a comprehensive framework of written

policies and procedures on all major areas of operations
Credit, Treasury Operations, Finance, Internal audit and Compliance approved by

the Board.
Growth of industries of critical national importance such as energy, education,

healthcare, transport, shipping.

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RECOMMENDATIONS FOR IMPROVEMENT
You are required to suggest solutions for all the problems or

discrepancies (you have pointed out in critical and SWOT
analyses) found in the organization.
The recommendations should

have to be related with your
specialization i.e marketing. The
recommendation
should
be
specific and workable. General
recommendations
are
not
required.
There are some recommendations for improvement of National Bank of Pakistan.
Improve marketing research
Introduction of Modern Forecasting Techniques.
Supporting social intermediation
Flexible Policies
job security
Permanent Hiring
Job Training Programs
Perquisites and Allowances

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Revival of the Charges
Adoption of Effective technology
Decentralize Decision making
The process of a transaction should be short in order in save time for both
customers and the bank.
It is suggested that promotion be given to the staff in due time and on the merit
base.
The bank should renovation of the branches to improve environment and

atmosphere to attract the customers.
Sitting arrangement, air conditioning and new furniture should be facilitated
The Bank should introduce the computers software to cope the heavy load of
work and better control.
Extra counters should be established in order to facilitate during the rush days the
difficulties faced by the bank staff as well as the customers.
All Branches of the Bank must be online early.
Procedure of receiving loans should be easy and short time to facilitate the
borrowers and enhance the profitability of the Bank.
Professional people should hire
Work equality
Coordination between the employees
Better Communication
There is an immediate need to make a new recruitment policy
Proper uniform
Decentralization
Delegation of Authority
Enhanced Customers Services
Latest reorganizing efforts are necessary to make modern banking system.

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The procedure of taking services from the bank must be made easier and straight
forward not involving long difficult procedure for simple task.
To remain in the market bank need to be vigilant in the eyes of customer.
People aware about he services of the banking and any addition which the bank as
made in the portfolio of its services.
Creating a microfinance-friendly policy environment
Developing financial infrastructure
Building viable retail institutions
NBP major fault is that wasnt keeping its pace with on going changing in
banking industry unlike other banks. Now this bank combining all it power and
trying to approach other banks.
All the departments should be established separately.
Bank can increase its profit ratio by reducing extra expenditures and to enhance
the volume of advanced especially retail loans.
improve the security level
Bank should take step to establish separate counters for the old age employees
and pensioners.
The Bank should locate new market for its operational activities in the country as
well as abroad.
The Bank should increase profit rate on deposits and saving schemes especially
for pensioners and old age citizens.
For improvement of internal control and system the compliance wing and surprise
inspection system should work more effectively.
Double shift system should be introduced to improve attitude and behavior of the
employees.
Payment of salaries and pensions should be made separately to accommodate the

valued customers and depositors.
For collection of utility bills i.e. Electricity bills, Telephone bills, Water and Gas
bills separate cash receipt counter must be established.

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Supporting pro-poor innovations
Refrence:
http://www.nbp.com.pk/
http://www.google.com/
vu hand book
Wiliam books

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Internship Report of NBP

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Virtual University of Pakistan

Evaluation Sheet for Internship Report

Company Name: _____________________________________________________

Name of Student: Muhammad Ghazanfar iqbal

Students ID: mc090401452

Presentation & Viva Voce

Internship Report (Muhammad Ghazanfar iqbal)

Internship Report (Muhammad Ghazanfar iqbal)

Internship Report (Muhammad Ghazanfar iqbal)

There should not be any copied material in your report.

You may use different websites and other reference for

The Plagiarism is strictly prohibited as Virtual University has

Internship Report (Muhammad Ghazanfar iqbal)

authorities of the University and a very strict action will be taken

Internship Report (Muhammad Ghazanfar iqbal)

VIRTUAL UNIVERSITY OF PAKISTAN

Internship Report (Muhammad Ghazanfar iqbal)

LETTER UNDER TAKEN

Internship Report (Muhammad Ghazanfar iqbal)

Internship Report (Muhammad Ghazanfar iqbal)

Internship Report (Muhammad Ghazanfar iqbal)

Internship Report (Muhammad Ghazanfar iqbal)

the most kind and most,merciful.

Internship Report (Muhammad Ghazanfar iqbal)

I done my internship in National Bank of Pakistan Layyah Branch

The staff of National Bank of Pakistan Layyah has taught me the

Internship Report (Muhammad Ghazanfar iqbal)

National Bank Chart

Plain of internship program

Introduction of National Bank Layyah

Activities of all department

Internship Report (Muhammad Ghazanfar iqbal)

Structure of Sale department

Sale department Hierarchy

Internship Report (Muhammad Ghazanfar iqbal)

OVERVIEW OF THE NATIONAL BANK OF PAKISTAN

Internship Report (Muhammad Ghazanfar iqbal)

Internship Report (Muhammad Ghazanfar iqbal)

National Bank of Pakistan is a service oriented financial institution. He is working for

Internship Report (Muhammad Ghazanfar iqbal)

Product lines of National Bank of Pakistan:

National Bank of Pakistan is provides many services to the customers. National

Premium Aamdani is a monthly income scheme introduced

Earn up to 12.25% p.a. +

Free Demand Draft, Pay Order and Cheque Book

A 5 years scheme with year wise increasing profit rates.

Incentives available for investors.

Internship Report (Muhammad Ghazanfar iqbal)

NBP provide finance facility against these certificates.

NBP allowed to customers to convert existing deposits into National Bank

Convenience of NBP online Aasan

Free NBP Cash Card (ATM+Debit)

Running finance facility up to 90%

Profit paid every month as follows

Profit Ratio of NBP

Earn up to 8.50% p.a

Minimum saving balance of Rs. 20,001/- & a maximum balance of Rs. 1

Free NBP Cash Card (ATM + Debit).

Convenience of NBP Online Aasan Banking (for online banking customers).

Two debit withdrawals allowed in a month & no limit on number of deposit

Profit calculated on monthly and paid on half yearly basis

Internship Report (Muhammad Ghazanfar iqbal)

Purchase of Land + Construction