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    NBP Circular Road Branch 1433

    In The Name Of ALLAH The Most Gracious,

    Beneficial & Most Merciful.

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    Internship Report

    Presenter: ROMANA NARGUS

    Roll No: 462

    MBA(B/F) Session 2009-2011

    Department of Business Administration

    Gomal University

    Dera Ismail Khan

    NBP Circular Road Branch 1433

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    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

    NBP Circular Road Branch 1433

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    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

    Number of Branches

    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

    Representative Offices

    Four Representative Offices are in the cities of China(Beijing),

    Uzbekistan(Tashkent), USA(Chicago) and Canada(Toronto)

    NBP Circular Road Branch 1433

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    Vision

    To be recognized as a leader and a brand synonymous

    with trust, highest standards of service quality,

    international best practices and social responsibility

    NBP Circular Road Branch 1433

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    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

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    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

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    Goals

    To enhance profitability and maximization of NBP sharethrough increasing leverage of existing customer base and

    diversified range of products.

    Excellence inDirection

    Excellence in Growth

    Excellence inPerformance Excellence inManagement

    Excellence inAchievement

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    Corporate Information (Board Of Director)

    Qamar Hussain Chairman

    Dr. Tariq Kirmani Director

    Haniya Shahid Naseem Director

    Ms. Nazrat Bashir Director

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    Organizational Structure

    PRESIDENT /CEO

    EXECUTIVE VICE PRESIDENT

    VICE PRESIDENTASSISTANT VICE PRESIDENT

    OFFICER GRADE- IOFFICER GRADE -IIOFFICER GRADE-III

    MESSENGERPEON

    SWEEPER

    BRAN

    CH

    HIERA

    RCHY

    SENIOR VICE PRESIDENT

    MEMBER BOARD

    SENIOR EXECTIVE VICE-PRESIDENT

    NBP Circular Road Branch 1433

    Branch Hierarchy

    Chart

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    Departmentalization of NBP Circular Road

    Branch D.I.Khan

    General Banking Departments consist of following Sections

    1. Account Opening Section2. 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 Accounts2. Issuance of Cheque Books

    3. Closing of Accounts

    Account closing by Customer.

    Account closing by Bank.

    NBP Circular Road Branch 1433

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    Deposit Section

    Following types of accounts are open in NBP Circular Road Branch

    NBP Circular Road Branch 1433

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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. Limitedis performing the function of clearing and

    charges commission against it.

    NBP Circular Road Branch 1433

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    Advance Section

    Advance means To give loan to theparties amount may be

    small orbig. Advances Section is one of the most sensitiveand 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.

    NBP Circular Road Branch 1433

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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 bookthe 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 The person himself and his life certificate both are not present.

    o Signature in the payment voucher is not made.

    o He/She has not got pension book.

    o Picture is not preset on the pension book.

    NBP Circular Road Branch 1433

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    Commercial & Retail Banking

    1. NBP Advance Salary Scheme (Personal Loan)

    2. NBP Cash Gold Scheme (Ready Cash Against Gold)

    3. NBP Premium Saver Scheme (PLS Saving Account)4. NBP Kisan Dost Scheme (Agriculture Framing Program)

    5. NBP Kisan Taqat Scheme (Dairy Farm Scheme)

    6. NBP Premium Aamdani Scheme (Monthly Income Scheme)

    7. NBP Karobar Scheme (Mera Apna Karobar)

    8. NBP Saiban Scheme (Home Financing)9. NBP Investor Advantage Scheme (Financing Facility for Stock/Retail Investors)

    10. NBP Protection Shield Scheme (Personal Accident Insurance)

    11. NBP Pak Remit Scheme (Internet Based Home Remittance Service)

    12. 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 financialposition.

    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 canquickly 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 long-term debt.

    Debt Ratio

    Debt to Equity Ratio

    Profitability Ratios -measure the firm's use of its assets andcontrol 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 2008 2009 2010

    Current Ratio 6.065% 6.605% 7.128%

    Debt Ratio 0.874% 0.874% 0.875%

    Debt Equity Ratio 6.98% 6.94% 7.05%

    Net Profit Margin 42.80% 33.08% 37.58%

    Return On Total Equity 6.79% 6.51% 5.82%

    Return On Total Asset 0.74% 0.74% 0.075%

    NBP Circular Road Branch 1433

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    NBP Circular Road Branch 1433

    Thank YouFor Your Kind Attention