National Bank of Pakistan is the largest commercial bank in Pakistan with over 1,254 branches. It provides various commercial banking and financial services to individuals, corporations, and the government. NBP's business portfolio includes corporate investment banking, retail banking, agricultural financing, and treasury services. The bank faces some challenges like low internal controls, outdated organizational culture, and uneven work distribution. However, it maintains a strong position due to its large size, network across Pakistan, and role as an agent of the central bank.

2. HIRA SHAHID KHAN
SHAHZADI NEELOFAR
SAHAR KHAN
SAMREEN LODHI

4. INTRODUCTION:
National Bank of Pakistan is the largest commercial bank operating
in Pakistan
The bank is engaged in providing commercial banking and related
services in Pakistan and overseas.
The Bank's services are available to individuals, corporate entities
and government.
its business portfolio is a major lead player in the
debt equity market,
corporate investment banking,
 retail and consumer banking,
 agricultural financing,
 treasury services
NBP headquarters in Karachi, Pakistan with over 1,254 branches
country wide.
Participating in "World Bank" and "Asian Development Bank's"
lines of credit. HIRA SHAHID KHAN

5. OVER VIEW OF THE ORGANIZATION:
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 Nation’s 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.
GOALS: To enhance profitability and maximization of NBP share through increasing
leverage of existing customer base and diversified range of products.
Excellence inDirection
Excellence in Growth
Excellence in Performance
Excellence in Management
Excellence in Achievement

6. ORGANIZATIONAL STRUCTURE:
CHAIRMAN &
PRESIDENT
BOARD OF
DIRECTOR
PRESIDENT’S
SECRETARIAT
COMMERCIAL &
RETAIL BANKING
GROUP
CORPORATE & CREDIT AUDIT & COMPLIANCE
INVESTMENT MANAGEMENT INSPECTION GROUP GROUP
BANKING GROUP GROUP
HRM & OPERATION SECRETARY BOARD TREASURY
ADMINSTRATION GROUP OF DIRECTOR MANGEMENT
GROUP GROUP
SPECIAL ASSET Overseas
MANAGEMENT
Management I.T. GROUP
Group
GROUP

7. ORGANIZATIONAL NETWORK:
BRANCH NETWORK:-
10 Groups headed by SEVPs/EVPs. 9 Regions reporting to as many Regional Chiefs
and 15 Single Branch Zones headed by Zonal Chiefs; 12 corporate branches and
1,254 domestic branches headed by Branch Managers control its field operations.
GLOBAL NETWORK:-
18 Oversea Branches
5 Representative Offices
1 overseas Subsidiaries
Joint Venture.
DOMESTIC NETWORK:-
1254 Domestic Branches
6 domestic Subsidiaries
29 domestic regional offices
DOMESTIC SUBSDIARIES:
NBP Capital Ltd.
Taurus Securities Ltd.
NBP Exchange Company Ltd
National Agricultural and Storage company Ltd.
Cast – N- Link Products Ltd

8. DEPARTMENTALIZATION:
NBP DEPARTMENTS
GENERAL BANKING CREDIT AND ADVANCE
DEPARTMENT DEPARTMENT
COMMERCIAL ACCOUNTS GOVERNMENT FOREIGN
& RETAILING DEPARTMENT DEPARTMENT EXCHANGE
DEPARTMENT DEPARTMENT
1. GENERAL BANKING DEPARTMENT:
General banking involves the following sections:
•Deposit Section
•Accounts Opening Section
•Cash dealing Section
•Clearance Section
•Remittance Section
•Lockers Handling Section

9. There are two broad categories of deposits. These are DEPOSIT
1. Time deposit 2. Demand deposit
TYPES OF ACCOUNT/ DEPOSIT:- Checking Non-Checking
Following types of accounts are open in NBP DEPOSIT Accounts
Accounts
•Current or demand account
•Saving account PLS Saving PLS TDR’s
Account
•Fixed account
•Call Deposit Accounts Current Deposit Special Notice
•Foreign Currency Accounts Accounts Deposit
Accounts
Foreign Currency
2 ACCOUNT OPENING SECTION:- Accounts NIDA
This section performs the following functions:
•Opening of Accounts
•Issuance of cheque books
•Closing of accounts
3 LOCKER SERVICE SECTION:-
There are four types of locker depending upon the size of lockers
operate in banks.
•Small size locker
•Medium size locker
•Large size locker
•Extra large size locker

10. 4 CASH DEALING SERVICES:-
•Cash receipts for receive deposits.
•Cash payment for encashment of cheques.
5 CLEARING SECTION:-
•Local Clearing,
•Short Credit Service,
•Local Short Credit and
•Inter City
CLEARING PROCESS:
•Inward Clearing.
•Outward Clearing .
6 REMITTANCE SECTION:-
•Pay Order.
•Mail Transfer .
•Demand Draft.
•Telegraphic Transfer.
SHAHZADI NEELOFAR

11. 2. ADVANCE DEPARTMENT:
TYPES OF ADVANCES:
DEMAND FINANCE:
CASH FINANCE:
RUNNING FINANCE:
LOANS:
TYPES OF LOAN:
The credit department of NBP has providing the following types
of loans
•Short term loans
•Long term loans
•Working capital loan
•Syndicate (project) loan
3. ACCOUNTS DEPARTMENT:
The main function of account department of NBP is to maintain general ledger accounts and after
the business hours the function of the account officer is to close books.
1) ROUTING OF EXPENSE VOUCHERS:-
VOUCHER SYSTEM: Voucher is a system, which is generally designed to provide strong internal
control
over the transaction, In bank two vouchers are used DEBIT VOUCHER CREDIT VOUCHER

12. 2. PREPARATION OF DAILY ACTIVITY REPORTS:-
The main function of this department is to check daily transactions whether
cash, transfer of payments, billing, and clearing of all the departments.
It includes the details of the following:
•Loan transactions.
•general ledger transactions
•Foreign currency related transactions.
•Fixed deposits transactions.
3. PREPARATION OF WEEKLY AND MONTHLY STATEMENTS:
Second major function of accounts department is the preparation of various
statements.
These statements are:
A. WEEKLY STATEMENTS
B. MONTHLY STATEMENTS
4. PREPARATION OF TAX PURPOSE STATEMENTS:
The department also prepares two statements for the purpose of paying tax on
monthly and annual basis.

13. 4. BILLING & GOVERNMENT RECEIPT/ PAYMENT DEPARTMENT:
In this department all types of Government receipts i.e. Revenues, Taxes, Agriculture Tax,
Government Fees, EOBI Funds and Utility Bills are deposited.
1 Payment of Provident Fund
2 Payment of Benevolent Fund
3 Payment of pension
4 Collection of utility bills, property taxes, Challans
and dues of educational institution.
5 Payment of salaries
6 Payment of zakat
5. FOREIGN EXCHAGE DEPARTMENT:-
The foreign exchange department has four main parts on which the national bank works.
It consists of:
I. Imports and Exports.
II. Foreign remittance.

14. 1. IMPORT AND EXPORT:-
National bank acts as an intermediary in the exports and imports between the two
parties..
There are four major types of contracts or term of payment that are being used in the
trade.
 OPEN ACCOUNT:
ADVANCE PAYMENT:
COLLECTION:
LETTER OF CREDIT:
2. FOREIGN REMITTANCE:
It includes local and foreign currency fund transfer. NBP also
provide the facility to its customers in remitting funds from one
place to another place.
At present bank provides the following instrument that facilitates
the transfer of funds.
•TT ( telegraphic Transfer)
• DD (Demand Draft)
• PO (Pay Order)

15. 6. COMMERCIAL & RETAIL BANKING DEPARTMENT:
National Bank of Pakistan serving following product lines:
1) PREMIUM AAMDANI SCHEME: - Monthly Income Scheme
2) PREMIUM SAVER SCHEME:- Yours saving reward (PLS Saving Account)
3) SAIBAN SCHEME: - Open the Door to Your Dream Home (Home Financing)
Main features of this scheme are as under.
•Finance is available for:
•Home Purchase
•Home Construction
•Home Renovation
•Purchase of Land + Construction
SAHAR KHAN

16. 4) ADVANCE SALARY SCHEME:- Personal Loan
Take up to 20 times of Your Take Home Salary
5) CASH CARD SCHEME: - one card does it all
ATM + Debit Card
6) INVESTOR ADVANTAGE SCHEME:- easier financing, profitable trading
Financing Facility for Stock / Retail Investors
7) CASH N GOLD SCHEME:- Ancash and meet your needs
Ready Cash against Gold

17. 8) KISAN DOST SCHEME:- Agriculture Made Easy
Agriculture Farming Program
9) KISAN TAQAT SCHEME:- promise of prosperity
Dairy Farm Scheme
10) PAKREMIT SCHEME:-
NBP's Internet Based Home Remittance Service

18. 11) NBP PROTECTION SHIELD SCHEME:- Life is Precious
Personal Accident Insurance
12) PRESIDENT’S KAROBAR SCHEME :.Mera Apna Karobar
13) NBP STUDENT LOAN SCHEME:-
Pursuant to the announcement made by the Federal Finance Minister in
his 2001-2002 budget speech, a STUDENTS LOAN SCHEME (SLS) for
Education
was launched by the Government of Pakistan in collaboration with major
commercial banks of Pakistan (NBP, HBL, UBL, MCB and ABL).

19. STRENGTH:
•NBP one of the largest financial institutions of Pakistan with eight million of customer
•NBP has 1254 branches located all over Pakistan. And 23 international locations
including the USA, United Kingdom, Europe and the Far East.
•It acts as an agent of the Central Bank wherever the State Bank does not have its own
Branch.
•Performing social responsibilities and claiming “The Nation’s Bank”
•Earning commission from SBP on Government transaction
•Leading bank in agriculture financing amongst commercial banks with the market
share of 15%
OPPORTUNITIES:
•Being a Government Bank NBP having wide scope in economic market.
•Its vast network of domestic and overseas branches can help to expand business.
•Bank’s deposit is increasing rapidly so there is a great opportunity to enhance its investment
and financing.
•Being an agent of State Bank of Pakistan it can play vital role in local economy.
•Amongst highest bank is Asia, NBP further expand its services proudest and earn more profit.
•The bank is reshaping its portfolios by investing into higher area of growth
SAMREEN LODHI

20. WEAKNESSES:
•Lowest Internal Control and Compliance System, SBP rated “Marginal” which is alarming
for the Bank.
•Unsatisfactory corporate culture of the Bank.
•Less number of Online Branches.
•Ineffectively use of technologies i.e. Information technology
•Shortage of staff- per employee customer is very high side
•Technical education and training of staff is insufficient The workload in NBP is not evenly
distributed
THREATS:
•SBP penalties due to low internal control and compliance.
•Government, SBP and Prudential Rules and Regulations.
•Schedule banks and Multinational/International bank’s profit rates.
•Its staff switching over to other private banks due to more facilities.
•Other bank’s charming atmosphere and relaxation in documentation.
•NBP staff code of ethics and practices.
•High number of complaints regarding staff behavior.
•Payments and FBR Collections create heavy workload.

21. DILEMMA FACED BY ORGANIZATION:
Rather NBP is a nation's bank but like any other organization NBP also is not free from problems and crisis..
In this topic the most important problems are included which are widely present at the organizational level.
1. PROBLEMS AT THE BRANCHES OF NBP:-
1) Customer Satisfaction:
2) Poor record management and filing system:
3) Unequal distribution of work:
4) Marketing visits:

22. 2. FUNNCTIONAL PROBLEMS:-
• Formal Organization:
•Excessive paper work:
•More accounts fewer deposits:
3. ADMINISTRATIVE PROBLEMS:
•Job analysis is not effective:
•Lack of appreciation:
4. PERSONAL MANAGEMENT PROBLEMS:
Need for better training program
Developing Managerial Leadership
Recruitment policy
Promotions
Lack of business communication

23. CONCLUSION:
The primary objective of NBP was to purchase jute from
the growers in the former East Pakistan and also to perform
the commercial banking functions in the country.
The strength of this bank is that it is acting as Agent of
State Bank of Pakistan, providing Agency Arrangements for
different government organizations include WAPDA and PIA,
Profitability and a vide coverage throughout Pakistan.
The challenge it is facing is currently the lack of
implementation of rules and regulations that may lead to
weak organizational culture, old organizational culture, no
regular promotions practices and not much use of IT
technology in bank as other are using.
As analysis shows that NBP is a most growing organization
with highest return on capital, largest market share amongst
all Pakistani banks and cost to income ratio is the highest in
banking sector. But there is further need for improvement to
overcome weaknesses and to maintain its position as an
“Asian Tiger” in banking field.

24. THANKYOU