Ayesha AwanAyesha Awan

mcxxxxxxxxxxmcxxxxxxxxxx

MBA (Finance)

National Bank of PakistanNational Bank of Pakistan is the largest commercial  is the largest commercial bank operating in Pakistan. bank operating in Pakistan.

It has redefined its role and has moved from a public It has redefined its role and has moved from a public sector organization into a modern commercial bank. sector organization into a modern commercial bank.

National Bank of Pakistan is today a progressive, National Bank of Pakistan is today a progressive, efficient, and customer focused institution. efficient, and customer focused institution.

It has developed a wide range of consumer products.It has developed a wide range of consumer products. NBP has many Awards & Achievements.NBP has many Awards & Achievements.

Premium AamdaniPremium Aamdani Premiun SaverPremiun Saver KarobarKarobar SaibaanSaibaan Advance SalaryAdvance Salary Cash CardCash Card Kisan TaqatKisan Taqat PakRemitPakRemit Kisan Dost Kisan Dost Protection ShieldProtection Shield NBP Islamic bankingNBP Islamic banking

MCB Bank Limited,MCB Bank Limited, United Bank Limited, United Bank Limited, Faysal Bank,Faysal Bank, Habib Bank Limited,Habib Bank Limited, Citi Bank,Citi Bank, HSBC Bank,HSBC Bank, Standard Chartered Bank,Standard Chartered Bank, Al-Barka Bank,Al-Barka Bank, Alfalah Bank LimitedAlfalah Bank Limited

M an a ge m e ntS up po rtD iv ision

A u d it &In spe ction

D iv ision

T rea su ryM an a ge m e nt

D iv ision

C red it P o licy& M a na ge m e nt

D iv ision

M arke tingD e ve lop m e nt

D iv ision

O v e rse asB an kingD iv ision

S p ec ia l a sse tsM an a ge m e nt

D iv ision

M an a ge m e ntIn fo rm ation &

T e ch . D iv

8 5 B ran ch es

8Z o n es

R eg ion a lH e ad qu a rte rs

K arach i

1 1 7 B ra n ch es

5Z o n es

R eg ion a lH e ad qu a rte rs

H yd era bad

1 9 8 B ra n ch es

6Z o n es

R eg ion a lH e ad qu a rte rs

M u ltan

1 2 8 B ra n ch es

4Z o n es

R eg ion a lH e ad qu a rte rs

F a isa la bad

1 5 8 B ra n ch es

10Z o n es

R eg ion a lH e ad qu a rte rs

L ah ore

1 6 6 B ra n ch es

8Z o n es

R eg ion a lH e ad qu a rte rs

Is lam a bad

1 9 8 B ra n ch es

8Z o n es

R eg ion a lH e ad qu a rte rs

P e sh aw ar

5 3 B ran ch es

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R eg ion a lH e ad qu a rte rs

Q u e tta

9 0 B ran ch es

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R eg ion a lH e ad qu a rte rsM uzafa ra bad

P res ide n t

I joined NBP Branch at start of December 2010. I learnt different I joined NBP Branch at start of December 2010. I learnt different things from the Banking/ Business environment. This is really a things from the Banking/ Business environment. This is really a different environment from our study life. I really enjoyed different environment from our study life. I really enjoyed myself in this new organization. myself in this new organization.

NBP branch has so much co-operative staff, they helped me a lot NBP branch has so much co-operative staff, they helped me a lot to learn different department’s work.to learn different department’s work.

I personally believe the time span given to us is too short to see I personally believe the time span given to us is too short to see deeply in each and every department’s activities in a keen deeply in each and every department’s activities in a keen manner but with the help of staff I feel much confident to give manner but with the help of staff I feel much confident to give my best in this short span of time. my best in this short span of time.

In Accounts Opening Dept.In Accounts Opening Dept.

Conduct the customer about the account opening.Conduct the customer about the account opening. Verify the forms whether they are appropriately filled.Verify the forms whether they are appropriately filled. Preparing checklist.Preparing checklist. Maintaining account opening register. Maintaining account opening register. Issuance of Cheques books. Issuance of Cheques books.

In Clearing Dept.In Clearing Dept.

Collect Cheques from different customers, individual Collect Cheques from different customers, individual Cheques & company Cheques. Cheques & company Cheques.

Stamping all Cheques after receiving and then give receipt to Stamping all Cheques after receiving and then give receipt to the customer. the customer.

Stamping includes clearing, endorsement, transfer stamp. Stamping includes clearing, endorsement, transfer stamp. Issued unclear Cheques to customers on demand. Issued unclear Cheques to customers on demand. Recording the inward Cheques to inward register. Recording the inward Cheques to inward register. Attach the memo with unclear check. Attach the memo with unclear check.

In Advances/Agriculture Dept.In Advances/Agriculture Dept.

The advances department is most technical site of any banking The advances department is most technical site of any banking industry, in which I spent one and half Weekindustry, in which I spent one and half Week

investigation criteria before issuing of the loansinvestigation criteria before issuing of the loans vital documentationvital documentation

In Cash Dept.In Cash Dept.

Verify the cheque at the time of the paymentVerify the cheque at the time of the payment Verify the customer’s signatures, amount written on the Verify the customer’s signatures, amount written on the

chequecheque Balance of the customer’s account to confirm the demanding Balance of the customer’s account to confirm the demanding

paymentpayment After cashier pay the amount to customer and entry of the After cashier pay the amount to customer and entry of the

cheque serial number, amount paid and account number take cheque serial number, amount paid and account number take place in the cash book for the recordplace in the cash book for the record

In Govt. Dept.In Govt. Dept. This department plays an important role for their customer on This department plays an important role for their customer on

the behalf of government. In this department I worked only the behalf of government. In this department I worked only One day. One day.

mainly work on pensionsmainly work on pensions TaxesTaxes Challan received Challan received Govt. employees salaries. Govt. employees salaries.

In Establishment Dept.In Establishment Dept.

I spent three days in this department.I spent three days in this department.

Bank’s employeesBank’s employees SalariesSalaries AttendancesAttendances Bonuses benefitsBonuses benefits Healthy and stable environment of the bankHealthy and stable environment of the bank

In Remittance Dept.In Remittance Dept.

In this department I spent one and half week. I learnt about MT, In this department I spent one and half week. I learnt about MT, DD & TT.DD & TT.

To provide following information to the customers coming for the To provide following information to the customers coming for the remittance:remittance:

Beneficiary Account No. Beneficiary Account No. Beneficiary NameBeneficiary Name BranchBranch

Liquidity Ratios:

Current Ratio

Acid Test Ratio

Working Capital

Ratio Ratio AnalysisAnalysis

National Bank of PakistanNational Bank of Pakistan

Current Assets / Current LiabilitiesCurrent Assets / Current Liabilities

Year 2009Year 2009 Year 2008Year 2008 Year 2007Year 2007

Current Current RatioRatio

856,706,861856,706,861//782,364,13782,364,1322==1.9502 1.9502

745,785,752745,785,752//675,617,0675,617,000= = 1.10385 1.10385

705,275,649705,275,649//609,784,513 609,784,513 = = 1.16 1.16

Current Ratio

0

0.5

1

1.5

2

2009 2008 2007

Ratio

Current AssetsCurrent Assets NotesNotesYear 2009Year 2009

(Rs)(Rs)Year 2008Year 2008

(Rs)(Rs)Year 2007Year 2007

(Rs)(Rs)

Cash and balance Cash and balance with other bankwith other bank

66 115,827,868115,827,868 106,503,756106,503,756 94,873,24994,873,249

Balance with other Balance with other bankbank

77 28,405,56428,405,564 38,344,60838,344,608 37,472,83237,472,832

Leading to financial Leading to financial institution- netinstitution- net

88 19,587,17619,587,176 17,128,03217,128,032 21,464,60021,464,600

Investments-netInvestments-net 99 217,642,822217,642,822 170,822,491170,822,491 211,146,038211,146,038

Advances-netAdvances-net 1010 475,243,431475,243,431 412,986,865412,986,865 340,318,930340,318,930

Total Total 856,706,861 856,706,861 745,785,752 745,785,752 705,275,649 705,275,649

Current LiabilitiesCurrent LiabilitiesNoteNote

ssYear 2009Year 2009

(Rs)(Rs)Year 2008Year 2008

(Rs)(Rs)Year 2007Year 2007

(Rs)(Rs)

Bills PayableBills Payable 1414 1062116910621169 1021906110219061 70619027061902

BorrowingsBorrowings 1515 4527813845278138 4045892640458926 1081517610815176

Deposit and other Deposit and other accountsaccounts

1616 726464825726464825 624939016624939016 591907435591907435

TotalTotal 782,364,132782,364,132 675,617,003675,617,003 609,784,513609,784,513

Ratio Ratio AnalysisAnalysis

National Bank of PakistanNational Bank of Pakistan

Current Assets – Inventories – prepaid expenses / current liabilitiesCurrent Assets – Inventories – prepaid expenses / current liabilities

Year 2009Year 2009 Year 2008Year 2008 Year 2007Year 2007

Acid Test Acid Test RatioRatio

856,706,861– 59316438856,706,861– 59316438 782,364,132 782,364,132

==1.019 1.019

745,785,752– 44550347745,785,752– 44550347675,617,003 675,617,003

= = 1.0371.037

705,275,649705,275,649 – 30994965– 30994965 609,784,513 609,784,513

= = 1.105 1.105

Acid Test Ratio

0.96

0.981

1.02

1.041.06

1.081.1

1.12

2009 2008 2007

Ratio

Ratio Ratio AnalysisAnalysis

National Bank of PakistanNational Bank of PakistanCurrent Assets - Current LiabilitiesCurrent Assets - Current Liabilities

Year 2009Year 2009 Year 2008Year 2008 Year 2007Year 2007

Working Working CapitalCapital

856,706,861856,706,861--782,364,132782,364,132==74,342,729 74,342,729

745,785,752745,785,752--675,617,003 675,617,003 = = 70,168,749 70,168,749

705,275,649705,275,649--609,784,513 609,784,513 = = 74,342,729 74,342,729

Working Capital Ratio

0

20000000

40000000

60000000

80000000

100000000

120000000

2009 2008 2007

Ratio

Leverage Ratios:

Time Interest Earned Ratio

Debt Ratio

Debt to Equity Ratio

Total Capitalization Ratio

Debt to Tangible Net Worth Ratio

Ratio Ratio AnalysisAnalysis

National Bank of PakistanNational Bank of Pakistan

Times Interest Earned = EBIT + interest expenses / interestTimes Interest Earned = EBIT + interest expenses / interest

Year 2009Year 2009 Year 2008Year 2008 Year 2007Year 2007

Time Time Interest Interest EarnedEarned

22,300,173+23,513,897/22,300,173+23,513,897/23,513,897= 1.9523,513,897= 1.95

23,000,998+19,502,080/23,000,998+19,502,080/19,502,080 = 2.1819,502,080 = 2.18

28,060,501+14,391,079/28,060,501+14,391,079/14,391,079 = 2.9514,391,079 = 2.95

Time Interest Earned

0

0.5

1

1.5

2

2009 2008 2007

Ratio

Ratio Ratio AnalysisAnalysis

National Bank of PakistanNational Bank of Pakistan

Total Debt / Total AssetTotal Debt / Total Asset

Year 2009Year 2009 Year 2008Year 2008 Year 2007Year 2007

Debt Debt RatioRatio

824,676,384 824,676,384 //944,232,762 944,232,762 = = 0.87 0.87

715,299,108 715,299,108 //817,758,326 817,758,326 = = 0.87 0.87

645,855,939 645,855,939 //762,193,593 762,193,593 = = 0.84 0.84

Debt Ratio

0.82

0.83

0.84

0.85

0.86

0.87

0.88

2009 2008 2007

Ratio

Total Debt = Bills payable + Borrowings + Deposits and other Total Debt = Bills payable + Borrowings + Deposits and other accounts + Liabilities against assets subject to finance lease + accounts + Liabilities against assets subject to finance lease + other liabilities other liabilities

Total Assets = Cash and balances with treasury banks + Total Assets = Cash and balances with treasury banks + Balances with other banks + Landings to financial institutions Balances with other banks + Landings to financial institutions + Investments + Advances + Operating fixed assets + Deferred + Investments + Advances + Operating fixed assets + Deferred tax assets + other assetstax assets + other assets

Ratio Ratio AnalysisAnalysis

National Bank of PakistanNational Bank of Pakistan

Total Debt / Total EquityTotal Debt / Total Equity

Year 2009Year 2009 Year 2008Year 2008 Year 2007Year 2007

Debt to Debt to Equity Equity RatioRatio

824,676,384 824,676,384 //94,791,919 94,791,919 = = 8.70 8.70

715,299,108 715,299,108 //81,367,002 81,367,002 = = 8.80 8.80

645,855,939 645,855,939 //69,270,631 69,270,631 = = 9.324 9.324

Debt to Equity Ratio

8.2

8.4

8.6

8.8

9

9.2

9.4

2009 2008 2007

Ratio

Total liabilities: Bills payable + Borrowings + Deposits & other Total liabilities: Bills payable + Borrowings + Deposits & other account + Liabilities against subject to the finance lease + other account + Liabilities against subject to the finance lease + other assetsassets

Shareholder Equity: share capital + un-appropriated profit & other Shareholder Equity: share capital + un-appropriated profit & other reservesreserves

Ratio Ratio AnalysisAnalysis

National Bank of PakistanNational Bank of Pakistan

Long Term Debts /Long term debts + Owner EquityLong Term Debts /Long term debts + Owner Equity

Total Total Capitalization Capitalization

RatioRatio

Year 2009Year 2009 Year 2008Year 2008 Year 2007Year 2007

42,312,252/137104142,312,252/137104171 71 = = 0.31 0.31

39,682,105/1210491039,682,105/121049107 7 = = 0.33 0.33

36,071,426/1053420536,071,426/105342057 7 = = 0.34 0.34

Total Capitalization Ratio

0.29

0.3

0.31

0.32

0.33

0.34

0.35

2009 2008 2007

Ratio

Long term debt = Long term debt = Sub-ordinate loans + Deferred tax liabilities + Sub-ordinate loans + Deferred tax liabilities + other liabilitiesother liabilities

Owner’s Equity = Owner’s Equity = Share Capital + Capital Reserves + Un-Share Capital + Capital Reserves + Un-appropriated Profit and other reservesappropriated Profit and other reserves

Working of Total Capitalization Ratio

Particulars 2007 2008 2009

Long term Debts 36,071,426 39,682,105 42,312,252

Owner Equity 69,270,631 81,367,002 94,791,919

Long term debts + Owner Equity 105342057 121049107 137104171

Long Term DebtsLong term debts + Owner Equity

36,071,426 105342057

39,682,105121049107

42,312,252137104171

Long Term Debts Long term debts + Owner Equity 0.34 0.33 0.31

Ratio Ratio AnalysisAnalysis

National Bank of PakistanNational Bank of PakistanDebt to Tangible Net worth Ratio=Total Debt/Equity –intangible Debt to Tangible Net worth Ratio=Total Debt/Equity –intangible assetsassets

Debt to Debt to Tangible net Tangible net worth Ratioworth Ratio

Year 2009Year 2009 Year 2008Year 2008 Year 2007Year 2007824676384824676384

94791919-17530 94791919-17530 = = 8.701 8.701

715299108715299108

81367002- 5925 81367002- 5925 = = 8.791 8.791

645855939645855939

69270631- 8578 69270631- 8578 = = 9.324 9.324

Debt to Tangible Net Worth Ratio

8.2

8.4

8.6

8.8

9

9.2

9.4

2009 2008 2007

Ratio

Long term debt = Long term debt = Sub-ordinate loans + Deferred tax Sub-ordinate loans + Deferred tax liabilities + other liabilitiesliabilities + other liabilities

Owner’s Equity = Owner’s Equity = Share Capital + Capital Reserves + Un-Share Capital + Capital Reserves + Un-appropriated Profit and other reservesappropriated Profit and other reserves

Intangible Assets =Intangible Assets = 2009 (17530), 2008 ( 2009 (17530), 2008 (5925) & 2007 5925) & 2007 (8578 )(8578 )

Profitability Ratios:

Gross Profit Margin

Net Profit Margin

Operating Income Margin

Return on Operating Assets

Return on Assets

Dupont Return on Assets

Return on Total Equity

Ratio Ratio AnalysisAnalysis

National Bank of PakistanNational Bank of Pakistan

Gross Profit Margin = Gross profit/Sales Revenue *100Gross Profit Margin = Gross profit/Sales Revenue *100

Gross Gross profit profit

marginmargin

Year 2009Year 2009 Year 2008Year 2008 Year 2007Year 2007

3845804838458048

77947697 * 10077947697 * 100

= 49.3%= 49.3%

37,058,03037,058,030

60,942,798 *10060,942,798 *100

= = 61 % 61 %

33,629,470 33,629,470

50,569,481 *10050,569,481 *100

= = 66 % 66 %

Gross profit marginGross profit margin

0.00%

10.00%

20.00%

30.00%

40.00%

50.00%

60.00%

70.00%

2009 2008 2007

Ratio

Ratio Ratio AnalysisAnalysis

National Bank of PakistanNational Bank of Pakistan

Net Profit Margin = Net profit/Sales Revenue *100Net Profit Margin = Net profit/Sales Revenue *100

Net Net profit profit

marginmargin

Year 2009Year 2009 Year 2008Year 2008 Year 2007Year 2007

18,211,84618,211,846

77,947,697 *10077,947,697 *100

= = 23.36 %23.36 %

15,458,59015,458,590

60,942,798 *10060,942,798 *100

= = 25.36 %25.36 %

19,033,77319,033,773

50,569,481 *10050,569,481 *100

= = 37.64 %37.64 %

Net Profit MarginNet Profit Margin

0

510

1520

25

3035

40

2009 2008 2007

Ratio

Ratio Ratio AnalysisAnalysis

National Bank of PakistanNational Bank of Pakistan

Operating Income Margin=Operating Income / Sales * 100Operating Income Margin=Operating Income / Sales * 100

Operating Operating Income Income marginmargin

Year 2009Year 2009 Year 2008Year 2008 Year 2007Year 2007

22,300,17322,300,173

77,947,697 *10077,947,697 *100

= = 28.609%28.609%

23,000,99823,000,998

60,942,798 *10060,942,798 *100

= = 37.741%37.741%

28,060,50128,060,501

50,569,481 *10050,569,481 *100

==55.489%55.489%

Operating Income MarginOperating Income Margin

0.00%

10.00%

20.00%

30.00%

40.00%

50.00%

60.00%

2009 2008 2007

Ratio

Ratio Ratio AnalysisAnalysis

National Bank of PakistanNational Bank of Pakistan

Return on Operating Assets = Net income/Operating assetsReturn on Operating Assets = Net income/Operating assets

Return on Return on Operating Operating

AssetAsset

Year 2009Year 2009 Year 2008Year 2008 Year 2007Year 2007

18,211,846 18,211,846 /25,147,192 /25,147,192

=72.4 % =72.4 %

15,458,590/24,217,6515,458,590/24,217,655 =63.8 % 5 =63.8 %

19,033,773/ 19,033,773/ 25,922,979 =73.4 %25,922,979 =73.4 %

Return on Operating AssetReturn on Operating Asset

58.00%60.00%62.00%64.00%66.00%68.00%70.00%72.00%74.00%76.00%

2009 2008 2007

Ratio

Ratio Ratio AnalysisAnalysis

National Bank of PakistanNational Bank of Pakistan

Return on Assets = Net Profit /Total AssetsReturn on Assets = Net Profit /Total Assets

Return Return on Asseton Asset

Year 2009Year 2009 Year 2008Year 2008 Year 2007Year 200718,211,846 18,211,846 /944,232,762=1.93%/944,232,762=1.93%

15,458,590/817,758,3215,458,590/817,758,326 =1.89 % 6 =1.89 %

19,033,773/ 19,033,773/ 762,193,593 =2.50 % 762,193,593 =2.50 %

Return on Asset RatioReturn on Asset Ratio

0

0.5

1

1.5

2

2.5

3

2009 2008 2007

Ratio

Ratio Ratio AnalysisAnalysis

National Bank of PakistanNational Bank of Pakistan

DuPont Return on Asset=(Net Profit / Sales Revenue) / (Sales / Total DuPont Return on Asset=(Net Profit / Sales Revenue) / (Sales / Total Assets)Assets)

DuPont DuPont Return Return

on Asseton Asset

Year 2009Year 2009 Year 2008Year 2008 Year 2007Year 2007

0.233 / 0.08 =2.91 0.253 / 0.07 =3.61 0.376 / 0.07 =5.37

Dupont Return on AssetDupont Return on Asset

0

1

2

3

4

5

6

2009 2008 2007

Ratio

Ratio Ratio AnalysisAnalysis

National Bank of PakistanNational Bank of Pakistan

Return on Total Equity =Net Profit /Total equity

Return Return on Total on Total EquityEquity

Year 2009Year 2009 Year 2008Year 2008 Year 2007Year 2007

18,211,846 / 94,791,919 =19.21 %

15,458,590 / 81,367,002

=18.99 %

19,033,773 / 69,270,631 =27.47 %

Return on Total EquityReturn on Total Equity

0.00%

5.00%

10.00%

15.00%

20.00%

25.00%

30.00%

2009 2008 2007

Ratio

Activity Ratios:

Total Asset Turnover

Fixed Asset Turnover

Ratio Ratio AnalysisAnalysis

National Bank of PakistanNational Bank of PakistanTotal Asset Turnover= Net Sales / Average Total

Assets

Total Total Asset Asset

TurnoverTurnover

Year 2009Year 2009 Year 2008Year 2008 Year 2007Year 2007

77,947,697/ 944,232,762 =8.25 %

60,942,798/817,758,817,758,326 326 =7.45 % 7.45 %

50,569,481/762,193,593

=6.63 %

Total Asset TurnoverTotal Asset Turnover

0.00%

2.00%

4.00%

6.00%

8.00%

10.00%

2009 2008 2007

Ratio

Ratio Ratio AnalysisAnalysis

National Bank of PakistanNational Bank of Pakistan

Fixed Asset Turnover= Net Sales / Fixed assets

Fixed Fixed Asset Asset

TurnoverTurnover

Year 2009Year 2009 Year 2008Year 2008 Year 2007Year 2007

77,947,697 /25,147,192 =3.10

60,942,798/24,217,655

=2.52 50,569,481 /25,922,979 =1.95

Fixed Asset Turnover RatioFixed Asset Turnover Ratio

0.00%

0.50%

1.00%

1.50%

2.00%

2.50%

3.00%

3.50%

2009 2008 2007

Ratio

Market Ratios:

Dividend per Share

Earning per Share

Price/Earning Ratio

Ratio Ratio AnalysisAnalysis

National Bank of PakistanNational Bank of Pakistan

Dividend paid / number of ordinary shares

Dividend Dividend per per

ShareShare

Year 2009Year 2009 Year 2008Year 2008 Year 2007Year 2007

5,820,338 / 1,076,370 5,820,338 / 1,076,370 =5.41 5.41

6,104,894 / 1,076,370 6,104,894 / 1,076,370

=5.67 5.67 2,831,895 / 8,96,975 2,831,895 / 8,96,975 =3.16

Dividend Per ShareDividend Per Share

0

1

2

3

4

5

6

2009 2008 2007

Ratio

Ratio Ratio AnalysisAnalysis

National Bank of PakistanNational Bank of Pakistan

(Net profit after tax / number of shares issued)(Net profit after tax / number of shares issued)

Earning Earning per per

ShareShare

Year 2009Year 2009 Year 2008Year 2008 Year 2007Year 2007

18,211,846/1,076,370 =16.92

15,458,590/1,07,6370

=14.36 19,033,773/8,96,975 =21.22

Earning per ShareEarning per Share

0

5

10

15

20

25

2009 2008 2007

Ratio

Ratio Ratio AnalysisAnalysis

National Bank of PakistanNational Bank of Pakistan

Market value per share / Earning per share

Price/Price/Earning Earning

RatioRatio

Year 2009Year 2009 Year 2008Year 2008 Year 2007Year 2007

68.11 / 16.92 68.11 / 16.92 =4.03 4.03 149.93 / 14.36 149.93 / 14.36 =10.44 10.44 146.03 / 21.22 146.03 / 21.22 =6.886.88

Price/Earning RatioPrice/Earning Ratio

0

2

4

6

8

10

12

2009 2008 2007

Ratio

The bank has now completed more than 60 yearsThe bank has now completed more than 60 years Multifarious products Multifarious products Set the trend before many other banks, both local and foreign Set the trend before many other banks, both local and foreign Good performance of Bank’s ManagementGood performance of Bank’s Management Excellent team spiritExcellent team spirit Today’s the biggest challenge for banking industry in Pakistan Today’s the biggest challenge for banking industry in Pakistan Capture potential customersCapture potential customers The key objective is to meet customers expectations on The key objective is to meet customers expectations on

continuous basiscontinuous basis

On the basis of Ratio Analysis:On the basis of Ratio Analysis:

NBP should cut off its administrative expenses & selling NBP should cut off its administrative expenses & selling expenses expenses

NBP should reduce its high debt and sales overheadNBP should reduce its high debt and sales overhead Reinvestments in the bank assetsReinvestments in the bank assets

On the basis of Internship:On the basis of Internship: Recruitment of new staffRecruitment of new staff Effective market approachEffective market approach Training of the employeesTraining of the employees

Thank You