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Chapter 1

Introduction:

This chapter includes brief introduction of internship report itself. Why have I

done internship have done internship in National bank of Pakistan because first it

was requirement of my MB pro!ramme. nd after that have I done it to increase

my knowled!e which has !ained from the books. To increase my confidence and

to also !ain the e"perience how to work in practical life. This chapter also

includes back!round of study that what were the inspirational factors for choosin!

the or!ani#ation. The purpose of internship will also be discussed in the chapter.

$cope of internship ob%ectives of internship methodolo!y throu!h which i learned

will also be included in the chapter.

Background of study:

These include inspirational factors for choosin! the or!ani#ation.

I choose the bank for internship because firstly I have a !reat interest in bankin!

sector. $econd the banks are also playin! very important role in the development

of economy. Banks are also quite an emer!in! trend in today&s era. 'espite of that

I have done internship to !ain practical e"perience because you are less likely to

find a %ob without e"perience. nd the most important thin! was it was the

requirement of my MB pro!ram.

Purpose:

Thebasic purpose of doin! si" weeks internship was to !ain practical knowled!e

or work e"perience. Because you must have e"perience to find a %ob in this

Internship report on NBP service Ind service branch Page 1
http://www.nbp.com.pk/BRNTWRK/index.aspx

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competin! a!e. (urthermore I have done internship to increase my knowled!e

about bankin! industry) to know about the products of bank. I also wanted to learn

different functions of the bank. *ow they are performin!. I wanted to enhance my

confidence + it rellay helped that how should we deal with customers. nd after

that have I done it to increase my knowled!e which has !ained from the books.

Scope:

$cope of internship is quite broad.

'urin! internship I worked in almost all departments of banks have learned a lot

durin! that period. Its scope is wide because trainees are almost moved in all

departments of bank durin! internship so it !ives surface knowled!e of all areas

of bank. It really helps trainee in their %obs. I worked in the followin!

departments.

,ash department

dvances -loan department

emittance department

,learin! department

Objectives:

The ob%ectives of internship are as follows.

Main objective

To do internship for MB requirement

To !ain practical e"perience

Sub objectives


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/. To enhance my knowled!e

0. To build confidence

1. To !et practical trainin!

2. To improve public dealin!

3. To !room my personality

4. To apply my knowled!e

5. To enhance my mental and physical abilities

6. To work for lon!er period of time.

7. To increase my patience

Methodology:

It includes the methods throu!h which I learned durin! internship.

I learned a lot durin! my internship throu!h practical work I learned how to work

throu!h discussion with senior employees. I have also learned by observin! the

other employees how they are performin! their work. I learned most of the thin!s

throu!h the !uidance of senior employees. Miss $hahida tabasum was very

cooperative with me throu!h my trainin!. $he !uided me all the way. I learned a

lot how to work on the branch&s software that was used in the branch.

Organization:

Definition of bank.

n or!ani#ation) usually a corporation) chartered by a state or federal

!overnment)which does most or all of the followin!8 receives demand deposits

http://www.investorwords.com/3504/organization.htmlhttp://www.investorwords.com/1140/corporation.htmlhttp://www.investorwords.com/1895/Federal.htmlhttp://www.businessdictionary.com/definition/government.htmlhttp://www.businessdictionary.com/definition/government.htmlhttp://www.investorwords.com/1398/demand_deposit.htmlhttp://www.nbp.com.pk/BRNTWRK/index.aspxhttp://www.investorwords.com/1140/corporation.htmlhttp://www.investorwords.com/1895/Federal.htmlhttp://www.businessdictionary.com/definition/government.htmlhttp://www.investorwords.com/1398/demand_deposit.htmlhttp://www.investorwords.com/3504/organization.html

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and time deposits)honorsinstrumentsdrawn on them) andpaysintereston them9

discountsnotes) makes loans) and investsin securities9 collects checks) drafts) and

notes9 certifies depositor:schecks9 and issuesdrafts and cashier:s checks

According to crowther

Bank is a dealer in debts his own and of other people

According to !"!ilbert

bank is a dealer in capital or more properly a dealer in money. *e is an

intermediate party between the borrower and lender. *e borrows from one party

and lends to another.

#volution of banking

The word bank is said to have been derived from the words banque or bank. This

history I traced to early as 0;;/B.,.the priests in

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receipts were drawn in such a way it entitled any holder to claim the specified

amount from !oldsmiths. depositor who is to make the payments may now !et

the money in cash from !oldsmiths or pay over the receipt to the creditor. These

receipts were the earlier bank notes. The second sta!e in the development of

bankin! thus was the issue of bank notes.

The !oldsmiths soon discovered that all the people who had deposited money

with them do not come to withdraw their funds in cash. They found that only a

few persons presented the receipts for encashment durin! a !iven period of time.

They also found that most of the money deposited with them was lyin! idle. t

the same time they found that they were bein! constantly requested for loan on

!ood security. They thou!ht it profit able to lend at least some of the money

deposited with them to the needy person. This proved quite a profitable business

for the !oldsmiths. They instead of char!in! safe keepin! from the depositors

be!an to !ive then interest on the money deposited with them. This was the third

sta!e in the development of bankin!.

Su$$ary:

In this chapter I have mentioned the purpose of doin! internship. What were some

inspirational factors for doin! internship= What scope the internship has for

students. The ob%ectives of internship are discussed as well. (or improvin! my

skills and to !ain practical e"perience. What were the methods used to learn

durin! internship.


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%hapter &:

'ntroduction:

In this chapter we shall come to know the different respective sector in Pakistan.

Then role of NBP in various sector of Pakistan will also be discussed. The

products and services of NBP will also be discussed in this chapter. nd at the

end it includes the brief introduction of the branch in which I have done my

internship.

Overall respective sector in Pakistan:

Pakistan(s Banking Sector

Banking 'ndustry in Pakistan

Bankin! is one of the most sensitive businesses all over the world. Banks play

very important role in the economy of a country and Pakistan is no e"emption.

Banks are custodian to the assets of the !eneral masses. The bankin! sector plays

a si!nificant role in a contemporary world of money and economy. It influences

and facilitates many different but inte!rated economic activities like resources


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mobili#ation) poverty elimination) production and distribution of public finance.

Pakistan has a well>developed bankin! system) which consists of a wide variety

of institutions ran!in! from a central bank to commercial banks and to speciali#ed

a!encies to cater for special requirements of specific sectors. The country started

without any worthwhile bankin! network in /725 but witnessed phenomenal

!rowth in the first two decades. By /75;) it had acquired a flourishin! bankin!

sector.

$BP acts as a nucleolus in the financial system of the country. Today) a central

bank is the central arch of the monetary and fiscal framework in many countries

of the world and its activities are essential for the proper functionin! of the

economy and critical for the fiscal operations of the !overnment and Pakistan&s

bankin! system is no e"emption. Will o!er ?/770@ describe a central bank as one

of the !reat inventions of the 0;th century= $tate Bank of Pakistan was

established on the first of Auly /726 under the $BP order /726 as the central bank

of the country.

$tate Bank of Pakistan reins the monetary and credit system in Pakistan. The $BP

is performin! many useful functions like custodian of cash reserve of commercial

banks) custodian of forei!n currency reserves) bank of rediscount) central

clearance) settlement and transfer) and conductin! monetary policy for the

stability of the entire bankin! industry of Pakistan.


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)ypes of banks:

There are various kinds of banks in modern a!e. very bank has different

features. The main types of the banks are these8

*!%entral Bank

every country has a central bank. The name of central bank in Pakistan is $tate

Bank of Pakistan. The aim of this bank is not to earn profit but the re!ard the

supreme interest of the country. It is responsible for re!ulatin! the volume of

money and credit in the country. ll the notes are issued by this bank. It is

financial adviser to the !overnment.

&! %o$$ercial bank

the commercial banks work on commercial basis. Their main aim is to earn

profit. The banks accept deposits from the people and advance short) medium and

lon! term loans to the businessmen. The commercial bank also provides a number

of a!ency and utility services to the public.

+! #,change Banks:

These banks deal in forei!n e"chan!e. The main aim of such banks is to buy and

self forei!n currencies and facilitates the e"port and imports of !oods. In Pakistan)

the ,hartered Bank and the

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-! 'ndustrial Banks:

These banks advance medium and lon! term loans for the settin! up industrial

units in the country. In the western countries there are a lar!e number of industrial

banks while in Pakistan has small number of institutions are en!a!ed in financin!

industries.

.ole of organization in Pakistan:

Role of the organization in Pakistan:

National bank of Pakistan plays a vital role in Pakistan. These roles are discussed

below.

)he 'nter$ediation role:

NBP transformin! savin!s received primarily from households into Coans.

(or business firms and others in order to make investments in new buildin!s)

equipment and other !oods.

)he pay$ents role:

NBP carryin! out payments for !oods and services on behalf of their customers

?such as by issuin! and clearin! checks) and dispensin! currency and coin.

uarantor role:

NBP plays a role of !uarantor between ?seller and buyer@. $tandin! behind their

customers to pay off customer debts when those customer are unable to pay ?such

as by issuin! Catter of ,redit@.

Savings/invest$ent advisor role:


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NBP saves the amount of those people who have e"tra amount. nd then lend it

to those persons who have fewer amounts. idin! customers in fulfillin! their

lon!>ran!e !oals for a better life by buildin!) mana!in! and protectin! savin!s.

Overall organization and functions of org in Pakistan:

It includes different products and services provided by NBP.

0BP products

0BP Advance Salary

0; month salaries in advance ?certain conditions apply@.

Minimum documentation.

epayable in 3 years.

No processin! char!es9 no collaterals) no !uarantees) no insurance.

Mark>up char!ed at //D per annum on reducin! balance method.

0BP %ash n old

(acility of s./;);;; a!ainst /; up /1D per annum. No ma"imum limit of cash.

epayable after one year.

oll over facility.

No penalty for early repayment.

0BP 1isan 2ost

Coans available for the farmers for production) development purposes) for

purchase of tractors) for installation of tube wells) for purchase of


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a!ricultural implements) micro loans) for !odown construction) for

construction of fish pond) for livestock farmin!) for milk processin!) for

cold stora!e) bio>!as plants etc.

Mark>up //D per annum.

Coans available at the farmer&s doorsteps.

!ricultural e"perts to !uide farmers.

Coans available a!ainst a!ricultural passbooks) !old ornaments and paper

security.

0BP S#.3'%#S:

2#MA02 2.A4)S:

If you are lookin! for a safe) speedy and reliable way to transfer money) you can

now purchase NBP&s 'emand 'rafts at very reasonable rates. ny person

whether an account holder of the bank or not) can purchase a 'emand 'raft from

a bank branch. If you are lookin! for a safe) speedy and reliable way to transfer

money) you can now purchase NBP&s 'emand 'rafts at very reasonable rates.

ny person whether an account holder of the bank or not) can purchase a 'emand

'raft from a bank branch.

5#))#.S O4 %.#2'):

NBP is committed to offerin! its business customers the widest ran!e of options

in the area of money transfer. If you are a commercial enterprise then our Cetter

of ,redit service is %ust what you are lookin! for. With competitive rates) security)


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and ease of transaction) NBP Cetters of ,redit are the best way to do your

business transactions.

PA6 O.2#.:

NBP provides another reason to transfer your money usin! our facilities. Eur pay

orders are a secure and easy way to move your money from one place to another.

nd) as usual) our char!es for this service are e"tremely competitive.

MA'5 ).A0S4#.S:

Move your money safely and quickly usin! NBP Mail Transfer service. nd we

also offer the most competitive rates in the market.

4O.#'0 .#M'))A0%#S:

To facilitate its customers in the area of *ome emittances) National Bank of

Pakistan has taken a number of measures to8

Increase home remittances throu!h the bankin! system

Meet the $BP directives-instructions for timely and prompt delivery of

remittances to the beneficiaries

0ew 4eatures:


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The e"istin! system of home remittances has been revised-si!nificantly improved

and well>trained field functionaries are posted to provide efficient and reliable

home remittance services to nonresident Pakistanis at /3 overseas branches of the

Bank besides Pakistan International Bank ?FG@ Ctd.) and Bank l>Aa#ira) $audi

rabia.

Hero Tariffs8 NBP is providin! home remittance services without any

char!es.

$trict monitorin! of the system is done to ensure the hi!hest possible

security.

$pecial courier services are hired for e"peditious delivery of home

remittances to the beneficiaries.

S7O.) )#.M '03#S)M#0)S:

NBP now offers e"cellent rates of profit on all its short term investment accounts.

Whether you are lookin! to invest for 1 months or / year) NBP&s rates of profitare e"tremely attractive) alon! with the security and service only NBP can

provide.

Organization office in which you are working:

I have done internship in national bank of Pakistan service industry branch

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retired from Pakistan armed forces. The branch also deals in payin! pension to

old employees this can be called EBI.

These were the functions which are performed by the branch other than the

normal bankin! functions.

Su$$ary:

In this overall bankin! sector of Pakistan have been discussed. What are the

services that are offered by NBP= nd different functions of NBP like their

products and services are also discussed. nd at end I have introduced the branch

in which I have worked.


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%hapter +:

'ntroduction:

This chapter is specifically about the branch in which I have worked. It includes

brief history of or!ani#ation. The communication between head office and

branches. *ow many are the departments in this branch. It includes information

about the staff of the branch) their qualification and e"perience) trainin! received

by them) promotion system and all the thin!s which are related to branch are

discussed in this chapter.

Brief history of organization:

O52#0 7'S)O.6 O4 0A)'O0A5 BA01 O4 PA1'S)A0

In /727 ?$eptember@ F.G. devalued its currency) India followed suit but Pakistan

did not. India said we had contravened the a!reement of keepin! both currencies

at par. We said we had not done that) India had done it arbitrarily without

consultin! us. En Ectober 1) /727 the two central banks were to announce the

new par value of both currencies but India denied a day earlier. India also fro#e

our trade > balance surplus that is still an unsettled dispute. India also withdraws

the Marwari merchants who were employed annually for movement of %ute crop

by financin! it. There bein! no %ute industry) prices fell sharply) forei!n banks and

forei!n merchants stood aside and an a!rarian unrest was threatenin!.

Two Ordinances were, therefore, issued

/. Aute Board stablishment Erdinance +

0. NBP Erdinance dated ;6.//./727


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National Bank of Pakistan was established on November 7) /727 under the

National Bank of Pakistan Erdinance /727 in order to cope with the crisis

conditions which were developed after trade deadlock with India and devaluation

of Indian upee in /727. Initially the Bank was established with the ob%ective to

e"tend credit to the a!riculture sector. The normal procedure of establishin! a

bankin! company under the ,ompanies Caw was set aside and the Bank was

established throu!h the promul!ation of an Erdinance due to the crisis situation

that had developed with re!ard to financin! of AFT trade. The Bank commenced

its operations from November 0;) /727 at si" important %ute centers in the ast

Pakistan and directed its resources in financin! of %ute crop. The Bank&s Garachi

and Cahore offices were subsequently opened in 'ecember /727. The nature of

responsibilities of the Bank is different and unique from other banks-financial

institutions. The Bank act as the a!ent to the $tate Bank of Pakistan for handlin!

Provincial-(ederal

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the Bank finances import-e"port business to the tune of s.40./5billion) whereas

in /74; financin! under this head was only s./.32billion.

The field is bein! de>layered to improve customer services and enable faster

decision makin!. s a result of this de>layerin! #ones have been eliminated and

the numbers of re!ions have been increased. Er!ani#ational hierarchy at the

re!ional level has been restructured and operational and business activities have

been completely separated. This separation will improve communication) decision

makin! and promote teamwork.

(or the third consecutive year) the Bank is reco!ni#ed as the best Bank in

Pakistan for the year 0;;2 by the presti!ious periodical. The BankerJ FG ?a

subsidiary of (inancial Times

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To be the pre>eminent financial institution in Pakistan and

chieve market reco!nition both in the quality and delivery

of service as well as the ran!e of product offerin!.

Mission state$ent:

To be reco!ni#ed in the market place by Institutionali#in! a

Merit + performance culture) ,reatin! a powerful +


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'istinctive brand identity) achievin! top>tier financial

Performance) and doptin! + livin! out our core values

%orporate infor$ation:


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O.A0'8A)'O0A5 %7A.) O4 0A)'O0A5 BA01 O4

PA1'S)A0

2#S'0A)'O0S 4O 7'7#. 5#3#5 O44'%#:

P.#S'2#0)

S#0'O. #9#%)'3# 3'%# P.#S'2#0)

.A2# &&

#9#%)'3# 3'%# P.#S'2#0)

.A2# &*

3'%# P.#S'2#0)

.A2# &;

ASS'S)A0) 3'%# P.#S'2#0).A2# *

ordinates. The branch mana!er assi!ns employees of the bank a particular %ob.

Fsually there is %ob rotation is avoidin! the difficulties at the time of absence of

any employee. The Board of directors or hi!her mana!ement sets !oals to the

mana!ers or middle and lower level of mana!ement. The task specifies not only

what is to be done) but also how it is to be done and e"act time allowed of doin!

it. The board consistin! of ten directors and a mana!in! director interviews

mana!ers and upper level mana!ement.

S)A)#M#0) O4 #)7'%S A02 BS'0#SS P.A%)'%#S:

$tatement of ethics and business practices is prepared and circulated annually by

the board of directors in order to establish a standard of conduct for directors and

employees) which statement shall be si!ned by each director and employee in

acknowled!ement of his understandin! and acceptance of standard of conduct.

Privacy policy:

Privacy of customer personal information Is utmost important for national bank ofPakistan. They try very hard to keep the information as safe as they can.

Strategies:

NBP has formulated certain sets of strate!ies to enable it to achieve its !oals and

ob%ectives. These strate!ies are mentioned below8

/. In order to achieve its !oals of creatin! a sound base and presence of

efficient modern bankin! system) NBP has started operation of utomated

Teller Machines in all the ma%or cities like Garachi) Cahore) Multan and

other cities of Pakistan.

0. NBP is committed to buildin! lon!>lastin! relationships throu!h an

assertion to service e"cellence and providin! innovative products to meet the


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chan!in! needs of our valued customers. lthou!h still in its infancy)

compared to the e"alted bankin! standards) but NBP is tryin! to improve the

services.

1. The main focus is buildin! relationships and bein! known by the

way they do business. Mana!ement reco!ni#es that a bankin! relationship

requires compatibility) communication) and cooperation and that each customer

deserves nothin! less than full attention and available resources to meet their

financial ob%ectives.

2. ,ore value and corporate culture is based on the belief that superior

personali#ed service is the most important product. Bank is in the process of

!ettin! to know customers by name and understand their business and personal

financial needs.

3. The NBP team comprises of some of the most hi!hly skilled and

professional financial e"perts in bankin! industry. Mana!ers) lenders and trust

advisors offer the unique perspective of knowin! and understandin! in the

local economy. The Mana!ement focuses its attention on makin! informed and

feasible economic decisions) brin!in! better returns and more profitability for

investors and customers.

4. Geepin! in view the unrest amon! the Islamic ,ommunity on the Interest

Bearin! Bankin! the NBP is in the process of tar!et marketin! and !ives its full

attention to this se!ment of a lar!e population over the world.

Successes:

National bank of Pakistan has !ained quite success after implementin! the

strate!ies. fter the use of new technolo!y they have improved the customer

relation and satisfaction. The number of accounts and bud!ets are on the

increasin! side.


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Su$$ary:

In this chapter policies and strate!ies of national bank of Pakistan have been

discussed. fter implementin! the strate!ies the success is also been discussed.


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%hapter D

This chapter includes $WET and P$T analysis of National bank of Pakistan.

S"O) analysis of 0BP:

$WET nalysis is a strate!ic plannin! method used to evaluate the $tren!ths)

Weaknesses) Epportunities) and Threats involved in a pro%ect or in a business

venture. It involves specifyin! the ob%ective of the business venture or pro%ect and

identifyin! the internal and e"ternal factors that are favorable and unfavorable to

achievin! that ob%ective.

Strengths:ttributes of the or!ani#ation that is helpful to achievin! the

ob%ective.

"eaknesses:ttributes of the or!ani#ation that is harmful to achievin!

the ob%ective.

Opportunities: "ternal conditions that is helpful to achievin! the

ob%ective.

)hreats: "ternal conditions which could do dama!e to the business:s

performance.

S).#0)7S:

dvance salary product8

It e"ists in the list of top /; banks in the $I.

It has the hi!hest profit amon! the lar!est banks of the $I.


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Its paid>up capital is very hi!h

Lery less uncertainty because of a

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There is no concept of %ob rotation

mployees have low coordination level amon! each other.

OPPO.)0')'#S:

dvance salary for employees

mployee benefits

Pensions

ward for employee performance

Promotions

,orporate plannin! learnin!.

)7.#A)S:

Turn out of employee

Aob security and $tru!!lers

t a time do no. of %obs due to competitor.

NBP have to do those %obs which have no loss and no profit because of their

competition

,ustomer dissatisfaction

$low actions on complains

Political environment.

Pest analysis


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Pest analysis includes political) economical) social and cultural + technolo!ical

analysis of national bank of Pakistan.

Political

Privati#ation and dere!ulation policy

Impact of subsidi#ed credit affectin! +N,B&s

mployment practices) unions association

Political interference and harassment

Incidents of hi!h ta"ation in bankin! industry

#cono$ical

,onstraints in mobili#ation of public savin! because of inflation

$taff cost

Eperatin! cost

Bad debts

Social Ecultural

Inadequate human resources

,ultural constraints to savin!

'efaulter&s lobby

'eclin! education + work ethics


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Inadequate accountability

dequate empowerment

)echnological

Inadequate communication infrastructure

Inadequate computer facilities

Inadequate IT trainin!

Lery less computer knowled!e

Traditional methods are used in branch

.#%OMM#02A)'O0S:

/. This is a computer era. With the use of computer we can increase our

efficiency. N.B.P. should computeri#e all its branches. By the use of

computer properly these branches can increase there workin! efficiency.


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0. N.B.P. as public service oriented institution has to create business

opportunities for themselves. Now a day there is a competition between

the banks.

1. ,entral sian epublics ?,s@ have !reat opportunities of new business

so N.B.P should open new branches in these epublic.

2. Model Banks like ,ity Bank) M.,.B. is usin! media very effectively to

increase the business of banks. $o N.B.P should use electronic media for

its business developments.

3. The interference of union in bankin! business should be minimi#ed as it

decreases the workin! efficiency of the employee as well as the bank.

4. The workin! of the $ervice industry branch is satisfactory but still these

workin! efficiencies are far from the standard of modern bankin! system.

5. The bank should finance its loans in those pro%ects that are meetin! the

required standard and should avoid the political pressure.

6. The bank should brin! forward the new talent as fresh knowled!e and

education is considered very important to increase the efficiency and

production.

7. There is a need to make the outlook situations of branches in the manners

that can compete with the other modern banks in the bankin! market.

/;. Geepin! in view the hard work by the staff members at all levels of

mana!ement) staff should be !iven bonus and increment every year.

//. ,redit cards are issued by the different banks like M,B) BP and ,iti

Bank etc. but NBP don&t issued this type of finance scheme) there is a

place for this type of scheme in this bank.

/0. $eparate desk or counter should be established in every branch to provide

the information as required by the clients.

/1. The environment of the offices should be comfortable so that the client

and staff must feel comfort durin! business in bank.

/2. There are some clients havin! sound and successful plan but without

financially sound and providin! securities bank should firms such policies

that may solve this problem.


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/3. I observed that many branches of NBP are over crowded. Cess people can

work which e"tra people perform. Number of employees should decrease

or new branches should opens for the ad%ustment of these e"tra employees.

/4. Most of the bank employees are stickin! to one seat only) with the result

that they become master of one particular %ob and loose their !rip on other

bankin! operations. In my opinion each employee should have re!ular %ob

chan!e.

/5. efresher courses for staff are most important in my international

or!ani#ation. ll the employees should have their courses accordin! to

their requirement.

/6. very year some of the employees should be sent for trainin! to other

countries and employees from other countries should be brou!ht here.


8/13/2019 35144704 Final Report

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.eferences:

www!google!co$

www!soople!co$

www!nbp!co$!pk

www!bing!co$

www!yahoo!co$
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35144704 Final Report

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