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THE BANK OF
PUNJAB
MAIN OBJECTIVE
INTRODUCTION
o The Bank of Punjab was Established in
1989
Agriculture Market
Corporate Customers
PRODUCTS
o The Bank provides all types of banking
services
o Deposit in Local Currency
o Client Deposit in Foreign Currency
o Remittances
o Advances to Business
o Trade
o Industry and Agriculture
OBJECTIVES
o To be a diversified bank by offering all
basic consumer products
o To provide solutions for multiple
requirements of clients of diverse
financial nature.
o To grow in banking sector by asset
expansion
o To manage with the changing trends of
the modern day financial market.
STRATEGIES
o The bank approaches organizations and
then seeks to become the exclusive
consumer in terms of consumer
financing
PRESENTER
DIVISIONS
There are about 10 divisions in the bank
to perform different jobs.
Eachdivision is being supervised by a
general manager with chief managers
and the division staff
HUMAN RESOURCE
DIVISION
The major jobs of this department are:
Staff appointments
Transfers/Postings
Promotions & degradation
Staff salaries
Retirements
FINANCE DIVISION
To maintain & update all the assets of
the bank i.e. buildings & vehicles etc.
Income
Expenditure
Toprepare bank’s balance sheet
through professional Chartered
accountants.
ATM installation.
LIABILITY DIVISION
Tohelp the branches for the
procurement of deposits
Yearly audit
Surprise audit
CREDIT RISK MANAGEMENT
DIVISION (CRMD)
To sanction different types of loans.
Online
system inspection, ATM
maintenance
MARKETING DEPARTMENT
promotional activities
increase
customer base & help
developing BOP’s credibility.
BALANCE SHEET
TOTAL PROFIT
The bank earn after
tax profit of Rs.4.4 billion
for the year ended
December 31, 2007
Facing
a strong competition by its
competitors
RECOMMENDED STRATEGY
Profitstrategy is the recommended
strategy So stability in operations &
cutting in expenditures would
definitely work to enhance financial
performance of BOP.