NATIONAL BANK OF PAKISTAN

BBA (Finance)
Aalia Ali Jalbani 2011137
SZABIST University
19-june-2023 to 03-Aug-2023 (6 weeks)
Supervisor: Mr. . Nouman Ahmed Khan Sherwani
 DEDICATION
I dedicate this internship report to my teachers, for their kind support, guidance for making this
report possible and try to keep me motivated. And also dedicating this report to my parents,
especially to my dear mother, who made me able to be the person I am. Without her constant
efforts and kind prayers I would have been nothing, I also dedicate this report to my friends and
National bank of Pakistan WAPDA branch staff because of their encouragement, guidance and
give me opportunity to work in their organization then I have been able to complete this internship
report.
 ACKNOWLEDMENT

Starting with the name of Allah who is most beneficent and most merciful, This Internship report
is created by Aalia Ali Jalbani , who interned, under the internship program 2023 of National
Bank of Pakistan, for 6 weeks, i.e (19th June 2023 to 03 Aug 2023)

In preparing this report there are multiple people who helped me hence I would like to
acknowledge their support and guidance during the internship tenure.

I would like to express my gratitude to all of the following people:

1: Mr. Nouman Ahmed Khan Sherwani (branch manager) who guided me and made sure that I
get great learning in this tenure and also told me about the bank and the standing of bank in
market and the competition in market. 2: Mr. Munawar Ali Siyal (operations manager) who
made sure that I am getting better learning 3. Mr. Farhan Ahmed (officer) who gives tasks to do
in this tenure, and told me about the value of customer in banks and also guided me about the
work environment, details of the bank and how banking system works. 4. Mr. Naimmatullah
(officer) guided me about the activities done in credit department, how loans are sectioned and
gives me task related to financing which helps me to learn everything about loan department, and
also guided me about the cash department, work tasks that are being completed by this
department how to manage work while working in cash department and how to deal with
customer on the counter. And all other employees guided me and told me about each and every
activity and task throughout the tenure
Not to mention, I am also very thankful to all other people who were indirectly associated in
managing this internship.

This Internship experience at NBP is indeed the great pragmatic learning experience for me,
which will surely be helpful in my future endeavors.

Aalia Ali Jalbani

Intern’23
NBP WAPDA colony (1057)
 EXECUTIVE SUMMARY

As we all know very well that time and tide wait for none. So because of this rapid change in
time and era, we have to cope with it. During this era, I got an opportunity of getting practical
knowledge about the banking system in Pakistan. So to quench the thirst of practical exposure
and for getting the basic knowledge about bank I joined the National Bank of Pakistan WAPDA
colony branch Hyderabad. During this 6 week in NBP, I gathered all necessary information
about bank and banking system.
This report is compiled in such a way, that activities it's silent features not only for students but
also for the layman. I have divided this reporting to different sections. These are divided in such
a way that firstly I have mentioned about the banks and banking system then I have provided the
introduction of National Bank of Pakistan, the products and services provided by them. Then in
other section I have mentioned the details about the branch where I have done my internship. In
fourth section I have mentioned about my learnings and the relation b/w these learnings and the
theoretical concepts that I have learned in my academic life, after that I have discussed about the
management functions about the organization and strengths and weaknesses of NBP.
Finally, in the last section I have provided some recommendations that will help to better run the
branch and get more success.
 TABLE OF CONTENT

1 Dedication 2

2 Acknowledgement 3

3 Executive Summary 4

4 Table of content 5

5 Bank and Banking system 7

6 Banking in Pakistan 8

7 Overview of NBP 9

Introduction 9

Vision 9

Mission 9

Core values 10

Key products and services 10

List of competitors 10

8 Internship branch Introduction 11

Activities of branch 11

Goal of branch 11

Achievement of the branch 11

9 Starting and ending Date 12

10 Training program 12

11 Departments where I work 12

Account Opening 12

Remittances department 14
 Clearing department 16

Credit department 16

Government department (pension) 17

12 Connection b/w my experience and theoretical concepts I have 18

learned at university
13 Analysis of management functions of organization 18

Planning 18

Organizing 19

Leading 20

Controlling 20

14 SWOT Analysis 21

15 Conclusion 22

16 Recommendation 23
BANK
The word “Bank” is derived from the Italian word “Bancus or Banque” which means bench, desk
or counter. Because in ancient times the benches were used by the Jews for the purpose of
exchanging money. In ancient times the religious temples were used as the safest place for
keeping money and gold by people of that time under the supervision of the priests. Goldsmiths
then acted as the financial agents in exchange of gold and valuables which provided the basis
of modern banking. Today’s modern banking system is the ultimate and step by step
achievement of the ancient banking system of accepting deposits from those who have surplus
and lending to those who do not have it or have little. The back is the financial institutions that
borrows money from one party and lends to another party, and the difference between the
borrowing and lending is the profit for the bank. They are basically intermediary’s b/w borrower
and depositor.

BANKING SYSTEM
A banking system refers to a collection of a network of institutions that provides financial
services to the people.
The following are some of the institutions that belong to the banking system:
 Central banks
 Commercial banks
 Saving banks
 Retail banks
 Investment/mutual fund banks
 Islamic banks

Purpose of banking systems

The purpose of banking systems is to provide security and confidence in the economy.

Operation of banking systems

Regardless of the type of bank, baking systems operate in line with managing the flow of money
between persons and business entities. Through this process, they earn from profitable
investments, interest from loans, and costs levied on consumers. Banks also carry out currency
exchange, wealth management, safe deposit, and offering loans to gain profits.
Function of banking system
 Accepting of deposits and withdrawals
 Lending of funds
 Offering loans
 Offering checking accounts
 Remittance of funds
 Offering credit and debit cards
 Bill payment services and safe deposits.

BANKING IN PAKISTAN:
Prior to Independence British banks controlled the banking operation in Pakistan. Afterindepend
ence there were no resources so that Pakistanis could start their own banking system in a very
short period of time. Then at that time it was decided that “Reserve Bank of India” will
control the banking operations in Pakistan. But this was not good for the best interest of Pakistan
because British Government at that time distributed the reserves of the “Reserve Bank of India”
between India and Pakistan with the share of 70% India and 30% Pakistan. It was a very big loss
for Pakistan at that time as being a new nation with new country having few resources for
survival. Then “Quaid-e-Azam Muhammad Ali Jinnah” (The Governor General of Pakistan) at
that time took a step ahead and inaugurated “The State Bank of Pakistan” on July 1st, 1948
which then took control of all the banking operations of Pakistan
Overview of National Bank of Pakistan

INTRODUCTION
The National Bank of Pakistan (NBP) is among the largest commercial banks operating in
Pakistan, and it is world’s eighth largest bank. It redefined its role and by moving from a public
sector organization into a modern commercial bank. NBP was established in 1949 and since
then, its network has expanded making it the largest commercial Bank of the country. NBP
headquarter is in Karachi. The bank provides both commercial and public sector banking
services. The Bank's services are available to individuals, the corporate entities and Government.
While NBP continues to act as trustee of the public funds and as an agent to the State Bank of
Pakistan (in places where SBP does not have a presence) it has diversified its business portfolio
and is today a major lead player in the debt equity market, corporate investment banking, retail
and consumer banking, agricultural financing, treasury services and is showing growing interest
in promoting and developing the country's small and medium enterprises and at the same time
fulfilling its social responsibilities, as a corporate citizen. Today, NBP is a progressive, efficient,
and customer focused institution. The bank has developed a wide range of consumer products in
order to enhance its business capabilities and cater to the different segments of the modern
society.

VISION AND MISSION STATEMENT OF NBP

VISION STATEMENT
To be the Nation’s leading bank enabling sustainable growth and inclusive development

MISSION STATEMENT
We will achieve our vision by subscribing to the qualities captured by the word IMAGINE:
Integrity is the cornerstone of everything we do
Market leadership is what we aim across all our target sector
Agility and strategic nimbleness will help us adapt to changing market conditions
Good governance and transparency
Innovation to provide for the customer needs of tomorrow
Nation building remains our priority
Employee engagement through a merit-based culture
CORE VALUES
 Highest standard of integrity.
 Institutionalization of team work & performance culture.
 Excellence in service.
 Advancement of skills for tomorrow’s challenges.
 Awareness of social & community responsibilities.
 Value creation for all stakeholders.

KEY PRODUCTS AND SERVICES

 Current/saving accounts
 Business acounts
 Izzafi Munafa account
 Choice current account
 Asaan account
 Premium aamdani
 Term deposit
 Gold loan
 Advance salary
 Credit card
 Bancassurance
 NBP ATM
 Safe deposit lockers
 Home remittance account
 NBP digital

LIST OF COMPETITORS
Following Banks can be termed as the competitors of the National Bank of Pakistan.
• Habib Bank Limited
• Muslim Commercial bank
• United Bank Limited
• Meezan Bank
• Allied Bank
• Bank Alfalah
• Sindh bank
• Bank of Punjab etc
INTERNSHIP ACTIVITY PLAN

Internship Branch Introduction

The WAPDA colony hussainabad Branch (branch code 1057) was started in 1963, and
providing its services to the people. I have started my internship in this branch on June 19, 2023,
till Aug 03 , 2023.

Employees Working in the Branch

The following are the names of employees that are designated at various places in the bank.

NAME DESIGNATION
Mr. Nauman Ahmed Khan Sherwani Branch Manager
Mr. Munawar Ali Siyal Operation Manager
Mr. Farhan Ahmed Officer
Mr. Mohsin Nawaz Officer
Mr. Indad Ali Mari Govt: section officer
Mr. Khalid Ahmed Jatt Officer
Mr. Naimmatullah Head cashier
Ms. Tehreen Baloch Cashier

Activities of the Branch

The activities of the branch are accepting of deposits either current account, savings account or
term fix deposit. Providing loans, service related to account, opening of accounts. Performing
agency functions such as collection of cheques, transfers of funds from one place to another, act
as an agent or representative of his customers and providing general utility service as utility bill
collection, Government challan collection, etc.

Goal
The goal is to provide value to customers with the new and innovative products of NBP bank, as
the more the value will be provided to customers the more the business NBP will get.

Achievement
The branch has achieved the higher numbers of satisfied customer, and is currently running as
one of the leading branches in Hyderabad.
STARTING AND ENDING DATE OF INTERNSHIP

From: June 19th , 2023

To: Aug 3rd , 2023

TRAINING PROGRAM
While I was doing my internship at NBP I have obsereved that the theoretical concepts that I
have studied at SZABIST University were implemented in entire Branch. The theory and the
concepts that I have learned in financial accounting about Bank Reconciliation, ledgers, balance
sheets were effectively and stringently followed. The defined hierarchy of the organization was
completely followed. The manager of the Bank plans, controls and defines the work flow and
ensures that the staff is doing its best. I noticed that our Manager was keenly observing each and
every staff activity and was working as a responsible member of organization. Manager was
working as a true leader and was guiding the team very positively.

Names of Departments where I worked

During my internship at National Bank of Pakistan WAPDA colony branch I have worked in the
following departments for six weeks.
● Account Opening
● Remittance Department
● Clearing Department
● Credit Department
● Government Department (Pension)

ACCOUNT OPENING
In this section, Filling the forms and guiding the customers who were unable to fill their forms
was my task, I used to check all the requirements and document attachments, and send to the
account opening officer who would sign all the documents and then sign from all the concerned
personnel was taken and new account opening was initiated, normally new account opening
takes 1 to 2 days here I also got to learn the procedure of account opening, the required
documents for each type of account and the whole processes to open any account as per SOPs.
Opening an account means that customer establishes a relationship between the bank and
himself. After entering into bank premises, just like other banks the customer goes through the
following steps for opening an account in the bank and for becoming a bank customer.
The first important step is to take place in the bank to get satisfactory introduction of the person
who wants to become the bank's customer by putting various questions. In NBP Bank, the officer
verifies the applicant’s occupation, integrity and nature of business are determined via
references. The margin of error at this time is very less, a little mistake can lead to greater
problems. To keep the process of account opening concrete and in-order all the valid
documentation and KYC of customer is very important.

During my work span in the Account Opening section I was directed by my seniors to keep in
mind a few points which are the main requirements for an applicant to open up an account. They
are as follows:

 Applicant must submit his/her CNIC copy to the bank

 Applicant must provide proof of source of income or salary slip
 Signatures of the applicant’s are taken on the account opening forms
and are verified by the Bank Officer.
 Applicant’s biometeric verification must be taken by bank officals
 Specimen signature card must be filled
 Bank keeps the right to reject the application of the customer without any
reason.
 A unique account number is allotted to the applicant.
 Nature of the account determines the amount deposited at the time of
opening an account.
 If a business account than company’s letter head or autorization, NTN cetificate.
 If the businees is in partnership then partnership deed, partners CNIC.
 If the applicant is trying to open a company account, then
article of association, Directors CNIC, Memorandum of association, NTN certificate,
Company Letterhead are required.

During my work-span, and experience at NBP, that when an applicant applies for to open a new
account, the officer at Bank provides the applicant with application form, the necessary
information to be known by the bank need to be filled by the customer. This application form
also requires all the documents and attachments needed from the customer side.

Basic needs of the Application form are:

 Account Title
 Applicant’s Full Name
 Applicant CNIC number
 Customer’s Occupation
 Customer’s Address
 Customer’s Telephone Number
 Account’s Currency
 Type of entity
 Business Nature
 Accounts= related special instructions
 Amount to be deposited initially in the account
  Applicant’s Signature
 Information of Next of kin

In addition to this Specimen signature card will be obtained from the depositor at the time of
opening his account. A specially design card is used for this purpose, the card must be
countersigned by an official of the bank not below the rank of an officer.

After completing all the requirements, the officer then do compliance check of the applicant and
after that they upload all the information of applicant with the form on the portal of NBP to open
an account and then a unique account number is generated for the applicant, while working in
account opening section I have observed that the officer also maintain the manual record of all
the accounts opened as per the instructions of NBP.

REMITTANCE DEPARTMENT
Another important department in the bank is remittances. Remittance means the transfer of funds
form one account to another or one city to other city. People used to send their money to the
other persons and organizations through various way i.e. Bank draft, Telegraphic Transfer, Mail
Transfer, Coupons, Govt. Draft and Western Union Money Transfer etc. It works both inward
and outward. The customers collect their money/amount through bills. They present their
cheques, drafts and other bills for collection within the city and out of the city. Now days the
telegraphic transfer and mail transfers are no longer working instead there is a bankers cheque
which are being used to collect their money and Online Banking is becoming more popular for
this purpose.

Demand Draft
 It’s a negotiable instrument
 It’s a written order drawn by one branch of a bank upon another branch of the samebank
or upon another bank under special arrangements to pay a certain sum of
moneyaccording to the order by the customer.
 DD is cannot be issued within the same city.

There are two ways in which a demand draft can be used for transfer of money

Outward DD:
When money is transferred from National Bank of Pakistan to other city on the demand of the
customer it’s known as outward DD. The procedure for this is that the customer will fill the DD
application form and present the cash he wants to transfer through DD. After checking all the
provided details, the bank officer will make a DD
Inward DD:
When the issuing branch of the DD send advice in the form of the copy of the instrument or DD
then when account holder comes with DD to receive money then the bank provide money in
return of that DD.
Charges for making DD for account holders are as follows
up to Rs. 100,000/- are Rs.250 Plus federal excise duty
up to Rs. 1,000,000/- are 0.05% plus FED
over 1,000,000/- are 0.04% plus FED

Pay order (Payment order or baker cheque):

Pay order is the way of transferring money within the same city. It is issued, paid and maintained
by the same branch. It is also called as Banker Cheque or Manager Cheque. It is cleared in 5-6
days and it is crossed by default.
The customer fills the application form for pay order along with his details and cash or cheque.
Usually cheque is used for transfer of money through pay order. After paying the charges for
making pay order the pay order is issue to the customer. The entry for the issuance of pay order
is
Customer Account (Dr) and Pay order Payable (Cr)
Charges for making Pay Order for account holder are Rs.240/- plus federal excise duty (FED)
and for Non account holders are 0.20% or min Rs. 750/- plus federal excise duty (FED) and for
students depositing fees of educational institutes are 0.50% of fees or Rs. 25/- plus FED
whichever is less.

Here in remittances section, I used to make Pay Requests, Dd's, fill exchange structures, and cash
move structures, likewise made pay orders (bankers cheque) and helps customers to fill form for
these who are unable to fill those forms. Additionally, during my internship, I have got to learn
about counter services, the performance of transactions such as cash deposit, learning about the
deposit slip, the withdrawal of cash and CBC on the checks that are of above the limit that is Rs
500,000. The management of cash supply, the processing of incoming and outgoing cash
payments. The process of receiving the payments for utility bills and challans, process of making
Pay orders and call deposits.
CLEARING DEPARTMENT
I worked in clearing section where my main responsibilities were to clear the cheque and
securities. There are two stamps put on each cheque, sent for clearing:
1. Crossing Stamp
2. Manager Stamp.
CC controls the intra cities cheques. First these cheques are noted down in a daybook, here
different numbers are allotted to these cheques. After entering the cheques and assigning
numbers to it, a Performa in which details on who draw the money, cheque number, the amount,
who is taking money are recorded. After this, the cheque is posted along with its filled Performa.
Here I used to enter data on the cheque into the computer system to check whether the account
with-holds this much amount, after the verification of the amount, the transaction was made into
the system and, as the bank still uses the old forms of record keeping, a register is also
maintained and I entered the amount, name of the person withdrawing the money in case of open
cheque date and signature of the withdrawing person if it is other than the account holder, and
stamped the cheque to declare it to take money from the counter and give the customer a token
and write the token number on the cheque so the money counter can call the specific customer,
here I felt the need of modern Banking system as they have automatic counters and computerized
buzzer systems which were not available in that Branch of NBP.

CREDIT DEPARTMENT
After working in the clearing section I worked in the credit department of the branch. Credits
department advances loans to needy and eligible customers and this department adds a big share
of profit to overall profit of the National Bank of Pakistan. These loans are sanctioned by the
regional office. National Bank of Pakistan WAPDA colony branch Hyderabad’s credit
department works in both advance salary loan and gold financing.

NBP Advance salary

NBP Advance Salary is for NBP Account Holders who are, Permanent or Contractual
Employees of Federal / Provincial / Semi Government & Autonomous Bodies receiving salaries
through NBP. While working in the credit department I got a chance to learn from the credit
officer about the conditions for the advance salary which are as permanent employee can avail
financing up to Rs. 3 million against their salary. However, Contractual employee can avail up to
Rs. 2 million, with the Lowest Mark-up Rate and easy installments of up to 48 months. The age
limit for the NBP advance salary loan is 55 years and the client should have complete his/her 3
years of service. The 2% of the loan amount is the processing fees and 16% of that 2% is taken
by the government

The documentation that is required for the advance salary are:

  Applicant’s CNIC
 CNIC verification report from NADRA
 Applicant’s service card
 Applicant’s service certificate
 Applicant’s bank account statement
 Two witness of the same scale or the upper scale (their CNIC & service card)

Gold Loan
Gold loan is sectioned against the gold ornaments that client gives to bank as collateral and in its
return the bank gives a loan to the client. The nature of this financing is demand finance and its
financing limit as per NBP is from Rs. 50,000 to Rs. 7,000,000. The age limit for salaried class is
Min 18 years and 60 Year at the time of maturity of loan and for self-employed and
businessperson Min 18 years and 65 Year at the time of maturity of loan. The duration for the
loan is 1 to 3 years. The mark up rate for gold loan is 1 Year KIBOR + 3.5%.

While working in this department with the credit officer I got to know about the documentation
required for the gold loan are such as:

 Applicant’s CNIC
 Applicant’s personal information (contact number, address, email)
 Applicant’s salary slip
 Applicant’s bank statement
 Two witness and their CNIC
 CNIC of next of kin
In credit department I got a chance to view some old loan proposals of both advance salary and
gold loan and the proposal the officer was currently working on, and I closely worked with the
officer on those loan applications and their returns, I used to check for those customers who have
not yet paid loans and markup amount to the Bank. Every such customer was tracked and called
for. If the payment is made then everything is smooth, but if the customer doesn’t pay the
amount, the bank runs a case against them. I worked on providing loans to different customers
under different schemes; mainly the advance salary. I used to make the Loan Reports which
contained all the customer data and the figure of their loans to the head office on monthly basis.

GOVERNEMNT DEPARTMENT (Pension)

I have spent a week of my internship in the government pension section. Here two types of
pensions are given to the pensioners.
1. Pension to the retired Government servants.
2. Benevolent fund
The pension is paid to the pensioners on every date of the month. Every pensioner have his own
account and copy of pension in which all the details of the pension are listed including the date
of receipt, the amount of money and also any increase if sanctioned by the government.
I used to fill the Pensioner’s Pension book, check the previous Pension records to see when was
the last pension taken, as the Government of Pakistan is always making changes in the
Percentages of the Pensioner’s Pension, I used to calculate the variance in their pension’s and
update the pensioner about it. Here I used to make sure that the Pension holder himself is
receiving the Pension to ensure transparency. First week of the month is always busy and the
bank used to be full of pensioners.

Relationship b/w my experience and the theoretical concepts

Working in National Bank of Pakistan for 6 weeks as an intern was very informative experience
for me, by doing the internship I learned many new things which are surely going to help me in
my professional carrier. It was good experience for me to be the part of practical work of an
organization like NBP. Before doing an internship, I have a theoretical concept about banking,
but after this I got to know the practicality of those concepts, and the difference between the
theoretical concepts and practical work that is being done in the market.

ANALYSIS OF MANAGEMENT FUNCTIONS OF THE

ORGANIZATION

a. PLANNING
Planning determines the organizational goals and the means of achieving them. The planning
process includes a process to develop objectives, develop tasks to meet objectives, determine
needed resources, create a timeline, determine tracking and assessment, finalize the plan, and
distribute the plan to the team.

ORGANIZATIONS PLANNING STRATEGIES

The main objective and goal of a commercial bank is to earn profit. National Bank of Pakistan’s
current strategy is to value the customers, and provide services which people can trust, satisfied
customers provide the business to the bank. NBP has a big advantage of distributing Government
Salaries and Pensions.

DECISION MAKING PROCESS

National Bank of Pakistan has the following Decision Making Process.
 AT HEAD OFFICE LEVEL
The President of the Bank is the CEO of the Organization. He is the Chairman of the
Board of Directors. The Board is responsible for Policymaking and implementation of all
the major decisions. The board of Directors also give due weightage to the proposals
submitted to them by the field functionaries by time to time while making policies for
bank’s interest. We can say that there is democratic atmosphere and environment for
decision-making Process.

AT REGIONAL OFFICE LEVEL

The Regional Business Chief preside the Regional Management Team (RMT). All
decisions are made by the RMT Collectively. All of the five department’s Regional
Chiefs are the members of this team.

AT BRANCH LEVEL
The branch manager makes decision in association with branch operations manager and
other staff members

b. ORGANIZING

ORGANIZATIONAL DESIGN
Organizational Design is the process of developing or changing an organization’s structure. This
involves the decisions of about six key elements, which are: Work Specialization,
Departmentalization, Chain of Command, Span of Control, Centralization/Decentralization, and
formalization. National Bank of Pakistan focus on all six key elements while organizing to
accomplish those targets that are planned for the success of the bank or to earn profit, this plans
are organized on the proper hierarchical bases.
National Bank of Pakistan also focus on managing the changes and bring the innovation as
today’s world is changing rapidly and innovating much so to be in today’s market it is necessary
to be a part of the innovative era, the most frequent and common trigger for organizational
transformation is the technology and its continuous advancement, NBP is adapting the continues
new technology and making its processes more efficient and effective
c. LEADING.
LEADERSHIP STYLE
NBP is adopting democratic style of leadership in which employees’ involve in decision making
process. The bank uses the user feedback to coach employees for decision making process.
Democratic leadership style could contribute to both the quantity as well as high quality of work.
The leader plays a very important role of uplifting the employees in any hardship. The job in the
bank is very time consuming and requires motivation and support from the leadership. The
leader acts as a guide for the employees and his technical superiority is very important for the
employees. NBP is arranging seminars and workshops for the managers and leaders to enhance
their leadership skills so that they can lead the employees of NBP very well and work with them
for the betterment of the organization

d. CONTROLLING
CONTROLLING OF OPERATIONS
The bank is committed and focused towards good quality customer service, it made concerted
efforts and took a number of initiatives in order to improve the user experience and bank’s
operation capabilities. Workshops and seminars were conducted in order to disseminate the very
important message of “excellent customer service”. It is transforming the bank’s branches to give
a modern look and convenience to. A number of branches have been shifted to prominent and
spacious locations. It also has established specialized customer facilitation centers to exclusively
cater to pension payments, utility and government collections. These are expected to reduce
counter traffic at our branches and will increase our distribution channels for better and
convenient services. Business hours have been extended with the establishment of customer
facilitation offices at the regional levels in order to help on the spot resolution of customer
complaints.

CONTROLLING OF PERFORMANCE
 Internal control is the fundamental control of any bank branch. The adequacy of internal
controls determines largely the risk profile of the respective branch. Almost all the potential
frauds can be analyzed all the way to the stem from faulty internal controls or their absence.

 Since internal controls have evolved over the years, NBP has accepted them without question-
until now. Technology of computerization, which has changed the very face of Banking, has
compromised many of the internal controls not only because of other reasons such as execution
of a transaction in a different procedure.

 Monitoring progress towards goal achievement and taking corrective action when needed. NBP
is emphasizing on controlling to integration of the activities, plans, attitudes, policies and efforts
of the people of the Bank working together to provide reasonable assurance that the organization
will achieve its objectives and mission

SWOT ANALYSIS
Strengths
 Brand image and brand name of National Bank of Pakistan is its biggest strength. NBP is
considered to be the pillar of Pakistan’s economy
 Continuous and Phenomenal growth in profitability as its age is increasing
 NBP ‘s customer relation and customer management policies are more intended towards
the customer and are friendly, which in-turn increases the customer trust on the Bank
increasing profits
 It is a Government bank
 A cultural organization and is one of the few banks which has presence in the every city
of pakistan
 Branches are loactaed at ideal places
 Due to having branches in all over the country NBP has achieved the milestone of having
largest customer pool as compare to any other Banks in Pakistan.
 Highly trained, skilled and professional HR
 The service charges low as compared to the competitors
 The service process is easy as compared to the competitors
 Less cost of funds as compare to competitors
 Workforce is very energetic and dedicated to the work and salaries are very good so
employees are not financially disturbed
 Training schedule of employees is better than other banks

Weaknesses
 Work overload on employees
 Less attention towards the development in the infrastructure of the branches
 NBP do not focus on advertising, I have always seen NBP on a back foot when it comes
to advertisement, while other banks are more focused towards advertising and increasing
business
 Employees of the NBP are not technically well equipped, they lack the basic know how
of the computer
 Lack of diversified workforce
 The branch I worked in was not spacious that it can entertain more customers easily,
they do not have attractive and comfortable couter spaces for customers.

Opportunities
  Good image among the people, being the People’s bank and having trust of the customers
is a great advantage for the Bank to achieve new horizons of Banking and success
 The bank can increase the advertisement to increase the customer
 Growing Islamic Banking branch network
 The modern development in the nation is an extraordinary chance for the Bank to present
new open doors and plans for modern clients and increment the Bank's True capacity
 Agent of the State Bank of Pakistan
 Better training programs for employees that can enhance their technical skills

Threats
 Political instability in the country
 Adverse economic conditions
 Lack of workforce with technological skills
 Newly emerging competitors
 Lack of modern techniques
 Inconsistency in government policies

CONCLUSION
During my internship program, beginning from the internship till writing this report, I have
realized that the National Bank of Pakistan is a deliberate structured organization and it is
serving its customers all over Pakistan through its widely spread network of branches. It is
offering many services and products at easy markup rates to the valued customers. The
customers are valued and are served at the first priority. The employees of the Bank are very
much cooperative and work whole heartedly thus working hard for the success of the Bank.
Selections are made on the basis of merit in National Bank of Pakistan. The Bank serves the
people well and it has initiated special moral initiatives while distributing pensions among
people, especially the old age people who come from far areas to get their pensions. The Bank’s
employees are very dedicated to their work and they also helped in my internship tenure that I
can learn more about the organization and its working.
RECOMMENDATION
During my internship I found some of the faults and lack of some of the facilities in bank’s
operations. Here are some of the suggestions which I recommend to NBP.

 The advertising of bank and bank’s products is not so much good and exposed to people.
So, Bank should hire some of the skilled marketers who can design creative and attractive
advertisements and advertising campaigns by using all possible medias to
make every person aware of the bank’s updates about old and new products and services.
 Bank is not using token system to avoid difficulties for the customers to withdraw or pay
deposits. They should use the token system to avoid the huge traffic of customers on the
counter.
 Incentives and award system should be introduced for the employees for their
motivation.
 Employees should not be overloaded with work, this helps in relaxation of employees and
will increase job satisfaction of employees which is in best interest of the bank.
 New talent should be hired, who have advance skills and know more about the computer
based work to cope with the compeitative demand in the industry
 Bank is somewhat slow in launching new products. So bank should review its policies
of launching new products in short and reasonable time.
 The management should provide better arrangement for employeees in the branch
 It is recommended that proper training should be provided to the staff members which
will ultimately increase the performance of Bank over all.
 To sustain the job satisfaction, NBP needs to offer promotions and incentives from time
to time
 The bank should spend more on renovation of the branches to improve environment and
atmosphere to attract the customers.