NBP Circular Road Branch 1433: in The Name of "ALLAH" The Most Gracious, Beneficial & Most Merciful

NBP Circular Road Branch 1433
In The Name Of ALLAH The Most Gracious, Beneficial & Most Merciful.
Internship Report
Department of Business Administration Gomal University

Dera Ismail Khan
Presenter: ROMANA NARGUS Roll No: 462 MBA(B/F) Session 2009-2011
National Bank of Pakistan

Introduction of NBP Branch Network Corporate Information (BOD) Organizational Structure Departmentalization of NBP Circular Road Branch (1433) Commercial & Retail Banking Financial Analysis
Branch Network of NBP
Domestic & Overseas Branches

There are more than 1289 branches all over the world The bank is focusing mainly within the country There are 1266 Domestic Branches (As of December 2010) There are 23 Overseas and 4 Representative Offices There are 5 Subsidiaries and a Joint Venture Four Representative Offices are in the cities of China(Beijing), Uzbekistan(Tashkent), USA(Chicago) and Canada(Toronto)
Number of Branches

Representative Offices
Vision
To be recognized as a leader and a brand synonymous with trust, highest standards of service quality, international best practices and social responsibility
Mission
NBP will aspire to the values that make NBP truly the Nations Bank, by:

Institutionalizing a merit and performance culture Creating a distinctive brand identity by providing the highest standards of services Adopting the best international management practices Maximizing stake holder's value Discharging our responsibility as a good corporate citizen of Pakistan and in countries where we operate
Core Values

Highest standards of integrity Institutionalizing teamwork & performance culture Excellence in service Advancement of skills for tomorrow challenges Awareness of social & community responsibility Value creation for all stakeholders
Goals
To enhance profitability and maximization of NBP share through increasing leverage of existing customer base and diversified range of products.

Excellence in Direction Excellence in Growth Excellence in Performance Excellence in Management Excellence in Achievement
Corporate Information (Board Of Director)
Qamar Hussain
Chairman
Dr. Tariq Kirmani
Director
Haniya Shahid Naseem
Director
Ms. Nazrat Bashir
Director
Organizational Structure
PRESIDENT /CEO MEMBER BOARD SENIOR EXECTIVE VICE-PRESIDENT EXECUTIVE VICE PRESIDENT SENIOR VICE PRESIDENT
Branch Hierarchy Chart
VICE PRESIDENT ASSISTANT VICE PRESIDENT BRAN CH HIERA RCHY OFFICER GRADE- I OFFICER GRADE -II OFFICER GRADE-III MESSENGER PEON
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SWEEPER
Departmentalization of NBP Circular Road Branch D.I.Khan

General Banking Departments consist of following Sections 1. Account Opening Section 2. Deposit Section 3. Remittance Section 4. Clearing Section 5. Government/Pension Section 6. Advance Section
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Account Opening Section

This section performs the following functions: 1. Opening of Accounts 2. Issuance of Cheque Books 3. Closing of Accounts

Account closing by Customer. Account closing by Bank.
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Deposit Section
Following types of accounts are open in NBP Circular Road Branch
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Remittance Section
Remittance means a sum of money sent in payment for something. This Section deals with either the transfer of money from one bank to other bank or from one branch to another branch for their customers.
There are Four main modes of Remittance used in NBP
Demand Draft Mail Transfer/Online Funds Transfer Telegraphic Transfer Traveler Cheques
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Clearing Section
The major function of Clearing Section is to receive the cheques, which are drawn on some other bank. The customer can get the money in his account at NBP, from the cheques drawn on another bank. The bank accepts these cheques and collects the amount from that bank on which cheque is drawn through the Clearing House. Bank charges some commission for this function. National Institutional Facilitation Technology (NIFT) Pvt. Limited is performing the function of clearing and charges commission against it.
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Advance Section
Advance means To give loan to the parties amount may be small or big. Advances Section is one of the most sensitive and important departments of any bank. To finance the export and import of the country. To finance the industries, trade and agriculture. To give loan to student for higher education. To give loan to the business men. To give loan for house building.
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Govt/Pension Section
Circular Road Branch carries the responsibility of paying pension to the pensioners. For this purpose pension books are issued to the pensioners. In this book the pensioner has to come personally. Incase he is not able to come line certificate has to be sent.B-143 register is maintained for the record of pensioners. Pension can be refused to a person in following cases:
o
o o
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The person himself and his life certificate both are not present. Signature in the payment voucher is not made. He/She has not got pension book. Picture is not preset on the pension book.
Commercial & Retail Banking

1. 2. 3. 4. 5. 6. 7. 8.
9.
10. 11. 12.
NBP Advance Salary Scheme (Personal Loan) NBP Cash Gold Scheme (Ready Cash Against Gold) NBP Premium Saver Scheme (PLS Saving Account) NBP Kisan Dost Scheme (Agriculture Framing Program) NBP Kisan Taqat Scheme (Dairy Farm Scheme) NBP Premium Aamdani Scheme (Monthly Income Scheme) NBP Karobar Scheme (Mera Apna Karobar) NBP Saiban Scheme (Home Financing) NBP Investor Advantage Scheme (Financing Facility for Stock/Retail Investors) NBP Protection Shield Scheme (Personal Accident Insurance) NBP Pak Remit Scheme (Internet Based Home Remittance Service) NBP Student Loan Scheme
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Financial Analysis
The financial statement of any organization shows the results of its operation and its position in business. The overall objective of financial statement analysis is the examination of a firms financial position. Financial analysis involves the use of various financial statements e.g. balance sheet, income statement etc.
Horizontal Analysis Vertical Analysis Ratio Analysis
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Ratio Analysis
Liquidity Ratio -measure of the amount of funds a company can

quickly use to settle its debts.
NWC Ratio Current Asset
Activity Ratio -measure how quickly a firm converts non-cash

assets to cash assets.
A/C Receivable Turnover Total asset Turnover
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Financial Analysis
Leverage/Debt Ratio-measure the firm's ability to repay longterm debt.
Debt Ratio Debt to Equity Ratio
Profitability Ratios -measure the firm's use of its assets and

control of its expenses to generate an acceptable rate of return.
Gross Profit Margin Return On Total Equity Return on Total Asset Earning Per Share
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Financial Analysis
Ratios Current Ratio Debt Ratio Debt Equity Ratio Net Profit Margin Return On Total Equity Return On Total Asset 2008 6.065% 0.874% 6.98% 42.80% 6.79% 0.74% 2009 6.605% 0.874% 6.94% 33.08% 6.51% 0.74% 2010 7.128% 0.875% 7.05% 37.58% 5.82% 0.075%
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Thank You
For Your Kind Attention
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NBP Circular Road Branch 1433: in The Name of "ALLAH" The Most Gracious, Beneficial & Most Merciful

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