Internship Report On Bank of Punjab

INTERNSHIP REPORT ON
BANK OF PUNJAB
Internship Report submitted to the Faculty of Management & Administrative
Sciences in Partial Fulfillment of the Requirements for the Master of
Business Administration.
Program & Session
MBA (4th) H
UNIVERSITY OF GUJRAT
Date of Submission
Name of Program Coordinator ___________________
Signature of Program Coordinator_________________
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Page 1
Dedication
I Dedicate This Work To My
Honorable Parents
Who have been a great source of love,

affection and encouragement throughout my academic career and their
matchless sacrifices in the process of my upbringing make me respectful to
all human talk.
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Acknowledgement
Praise be to Almighty Allah, the Most Merciful and Magnificent and to his Holy
Prophet Muhammad (Peace Be Upon Him) who is forever a torch of guidance
and knowledge for humanity as a whole.
I feel deep sense of gratitude to HASSAN NAWAZ manager of The Bank of
Punjab khiali Gate Gujranwala Branch for allowing to me to do my internship
and also providing me necessary assistant and guidance. I am also highly
grateful to Mr.salman (Agri. Relationship Manager) & Mr. Kamran (OG III)
who helped me during my training while performing complex tasks as well as
the
departmental
heads
of
the
bank
especially
operations
related
department.
I owe depth of gratitude to my affectionate parents, and other peoples who
supported me morally and inspired me to the higher ideas of life.
My gratitude also goes to all those friends who provided me any assistance
in what so ever manner in the preparation of this study.
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Executive Summary
I have presented my report into 3 main sections. In the 1st section I have
described the introduction, nature and history of BOP. Details of products and
services, introduction of all departments and the branch where I did my
internship and the task done by me during my training.
In the 2ndsection Ive made the complete ration analysis, vertical and
horizontal analysis and BOP comparison with the industry. In 2008 critical
analysis does not provide satisfactory results, the main reason is the loss on
revaluation of assets (Hamas Khan Fraud cause).
In the 3rd section I have suggested some recommendations in the light of
ratios and SWOT analysis. BOP has negative working capital in all the three
years so it is essential to increase current assets and reduce investment in
fixed assets. Annexes and reference and sources used are also described in
this section.
Since the incorporation the Bank has grown manifold showing remarkable
growth in all aspects. Especially, after the current management took over the
affairs of the bank in 2007 there has been tremendous growth in all its facets
of operations as a result of application of prudent and pragmatic policies with
futuristic approach. Owing to its significant performance, profitability,
financial standing and market penetration the Bank has attained reputation
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of a responsible corporate citizen playing a pivotal role in economic and

social development of the country.
Sound financial footing, improved profitability and competent management
are the key factors taken into consideration by PACRA, the credit rating
agency, while assigning to the Bank highly credible ratings of AA for longterm and A1 for short-term which is the highest rating in this category.
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Table of Content
Title Page
Dedication
Acknowledgement
Executive Summary
AboutBankOFPunja.....
Mission and Vission Statement....
Punjab Govt Show Faith In The Bank Of Punjab
CORE VALUE......
AWARDS AND ACHIEVEMENT.
PRODUCTS.
Depositsproducts.....
BOP Basic BAnk Account..
BOP Tijarat Account..
BOP FCA Supreme
Account
13
PROFIT AND LOSS SHARING TERMS ACCOUNT..
Product..
Premature Encashment..
Miscellaneous
Corporate premier Term
Account
17
8
9
9
9
9
10
10
10
12
15
15
16
17
General Corporate
Entities
17
Munafa Hi Munafa Term
Account
17
Bai Missal Term Deposit
Account..
18
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PROFIT LOSS SHARING CHEQPNG

ACCOUNTS
19
PLS Saving
Account
19
Senior Citizens Saving

Account..
21
Gharayloo Saving
Account..
22
ZaidaMunafa Saving
Account..
24
LOANS
PRODUCTS.
25
Commercial
Finance..
Against GOVT
Securities..
stocks.
25
27
Against Hypothecation Of
28
CASH
FINANCE.
29
CONSUMER
FINANCE 30
Asian Loan
30
Cash
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Quick
34
Page 7
Car Loan
37
AGRICULTURE
CREDIT.
41
AGRICULTURE
LOANS.
42
Kisan dost scheme.

43
Agriculture Schemes Markup
44
Scheme for Controlled Shed.
46
Agriculture Finance Scheme
48
Model Dairy Farms
49
TRADE PROCESSING CENTERS..
53
COMMERCIAL BANKINGS..
54
CORPORATE AND INVESTMENT BANK.
54
CASH MANGEMENT SERVICE..
UTILITY BILLS..
56
LOCKER FACILITIES..
56
ATM LOCATIONS..
57
1 LINK NETWORKS..
SUGGESTIONS
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56
57
59
Page 8
SWOT ANALYSIS
59
CONCLUSION
.
64
Reference and Sources Used..
66
About Bank of punjab

Established in 1989, in pursuance of The Bank of Punjab Act 1989 and was given the
status of scheduled bank in 1994. The Bank of Punjab is working as a scheduled
commercial bank with its network of 273 branches at all major business centers in the
country. The Bank provides all types of banking services such as Deposit in Local
Currency, Client Deposit in Foreign Currency, Remittances, Advances to Business,
Trade, Industry and Agriculture A wholly owned subsidiary of BOP First Punjab
Modaraba (FPM) was established in 1992 and is being managed by Punjab Modaraba
Services (Pvt) Ltd.( 272 branches )
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Vision statement
To be a customer focused bank with service excellence"
Mission statement
To exceed the expectations of our stakeholders by leveraging our relationship with the
Government of Punjab and delivering a complete range of professional solutions with a
focus on programmed driven products & services in the Agriculture and Middle Tier
Markets through a motivated team.
Punjab Government Shows Faith in Bank of Punjab
Punjab Government wishes to state that being the major stake holder in the Bank of
Punjab it has full faith in the new management and operations of the Bank. The
government further pledges its unequivocal support to the Bank and firmly believes that
the affairs of the Bank are sound and its financial health robust. (Finance Department)
Core Values
Our Customer As our first priority

Profitability For the prosperity of our stakeholders that allows us to constantly invest,
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improve and succeed.

Corporate Social Responsibility To Enrich the Lives of community where we operate.
Recognition and Reward For the talented and high performing employees.
Excellence In every thing we do.
Integrity In all our dealings
Respect For our customers and each other.
Awards & Achievements
Excellence Award by the Central Board of Revenue

The Central Board of Revenue presented "Excellence Award" to the Bank of Punjab in
recognition of the contribution made by the bank towards Government exchequer.
3rd Kissan Time Awards
In recognition of Bank's contribution in development and growth of agricultural sector,

the Bank honoured with "Top Bank for Agriculture Loans" and "Best Bank Crop
Insurance" under 3rd Kissan Time Awards year 2006.
Best Corporate Report Award
Annual Report of the Bank for the year 2005 won 5th position for "The Best Corporate
Report Award" for the financial sector, adjudicated jointly by the Institute of Chartered
Accountants of Pakistan and the Institute of Cost and Management Accountants of
Pakistan.
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16th Bolan Excellence Award

The Bank was awarded Best Bank Award under 15th Bolan Excellence Awards
distributed in 2006.
Achievement Award
The Lahore Chamber of Commerce & Industry (LCCI) awarded the Bank "LCCI
Achievement Award" 2006.
Products
Deposit Products:
Current Accounts
The Accounts shall be opened upon submission of duly filled-in Banks prescribed
Account Opening Form properly introduced in the manner provided and on submitting
all such documents as may be revised by the Bank. The Bank reserves the right to
demand such relevant documents even after opening of account as deemed necessary.
The Accounts shall be opened with an initial/minimum deposit as stipulated by the Bank
from time to time unless specifically exempted.
The Accounts may be opened singly in one name or jointly in two or more names.
A distinctive number shall be allotted to every account and this number should be
quoted in all correspondence relating to the account and at the time of making a deposit
or withdrawal. The Bank reserves the right to change the Account Number or any part of
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it in order to meet its book keeping/administration requirement. However, intimation of

change in the account number shall be sent to the account holder.
Account for the recipient of Zakat or recipient of grants from Bait-ul-Mall, maybe
opened with an initial deposit of Rs.100/Deposit may be accepted from minors provided the account is opened and operated
through a guardian. The Account thus opened will continue to be operated upon by the
guardian even if the minor attains the age of majority. The necessary consent to this
effect will be obtained at the time of opening of the account. The orders of the court will,
however, are followed in case the guardian is appointed by the court.
All monies/instruments to be deposited in an account should be accompanied by pay-inslip showing the title and number of the account. The entry of transaction shall be
authenticated by putting Banks stamp under the joint signatures of two officers of the
Bank on the pay-in-slip and counterfoil thereof. However in case of branches where
teller system has been introduced, teller only shell authenticate the transactions up to
the prescribed limits.
Withdrawals are not allowed against postdated (payable on any future date) and stale
(06 months after issuance date) Cheques and against un-cleared funds.
Where any account is not conducted to the satisfaction of the Bank, the account may be
closed without any notice and the balance will be remitted to the depositor at the
address given by the Account Holder(s).
The Bank has the right to refuse to open an Account without assigning any reason.
For New Customer
All CD accounts which are not operated upon by the account holders for a period of one
year will be classified as dormant. After passing one year in the dormant status, that is,
no operation in the account for a continuous period of two years, the account shall be
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classified as inoperative. This entails certain restrictions on the operation of such

accounts, for reactivation, the account holder must in person request for a change of
status and will produce original CNIC or Passport or Pakistan Origin Card (POC) or
National Identity Card for Overseas Pakistani (NICOP) with photo copy for Branch /
Bank attestation. After passing further 8 years in inoperative status,i.e., if a CD account
is not operated upon by a customer for a continues period of ten years, it will be
classified as unclaimed deposit account and will be surrendered to SBP as per the
provisions (section 31) of Banking Companies Ordinance 1962
For Existing Account Holders
The period of conversion of a normal CD account to dormant has been enhanced from
06 months to one year, since last opertaion in the account, with effect from January
2008.
The branches shall ensure completion of all the formalities required by State Bank of
Pakistan vide Prudential Regulation No.M-1with regard to KNOW YOUR CUSTOMER.
\
BOP Basic Banking Account

The minimum initial deposit will be Rs.1000.
No profit will be Payable.
No fee (service charges) for maintaining such accounts will be charged.
There will be no limit for maintain minimum balance. In the cases, there balance in
BBAs remaining "NIL" for a continuous 6 month period, such accounts will be closed.
Account holder will be allowed a maximum of 2 deposit transactions and 2 chequing
withdrawals, free of charge either through cash/through clearing per month otherwise
service charges of a regular banking account shall be applicable for that month as per
Bank's Schedule of Charges.
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Unlimited free of charge ATM withdrawals from Bank's own ATM's will be allowed. In
case of withdrawals from BBA through the ATM Machine of other Banks, the Charges of
these Banks shall be applicable for such transactions.
Note
If any existing customer desire to get his regular banking account converted into Basic
Banking Account, he / she may kindly contact the branch where his / her account is
being maintained. The facility for conversion into BBA will be provided free of charge
BOP TIJARAT ACCOUNT (LCY) :
INCENTIVE
MINIMUM MONTHLY AVERAGE BALANCE

FROM RS. 50,000 OVER
Inter-city/within-city On-line
deposit/withdrawal
Rs.5/- flat
Issuance of ATM/Debit Card
Free
Renewal of ATM/Debit Card
Free
Issuance of Cheque Book
Free No limit
Issuance of Duplicate A/c Statement
Free No limit
Rental Charges for Lockers

(small/medium)
Free - Locker of your choice subject to

availability
Key deposit for lockers
Free
Issuance of PO/DD/MT/TT
Rs.5/- flat
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DD Cancellation Charges
Free No limit
Courier Charges
Free- No limit
Commission in Outward Bills for

Collection charges
Free - on equal to thrice of last months average

balance and above this amount as per SOC
(commission @ 0.15%)
Cheque return charges for cheques

presented in clearing as collecting
banker.
Free
Call Deposit Receipt
Free
N.B 1) the rent free locker facility will be allowed on availability of locker and after
maintaining average balance for six months.
2) In order to further facilitate the managers in targeting customers, it will be at the
discretion of the manager to offer the incentive package from day one. However it will
be the responsibility of the branch to ensure that customer completes the criteria as per
above table otherwise recover the charges waived
3) The incentive package will be reviewed on the basis of deposit procured vis--vis
cost/benefit and it can be revised downward.
BOP FCY SUPREME CURRENT ACCOUNT:
Foreign Currency Accounts can be opened in four currencies namely US Dollar, UK
Pond Sterling, Yen and Euro at any of the authorized branch
INCENTIVE PACKAGE FOR BOP FCY SUPREME CURRENT A/Cs

INCENTIVE
Issuance of ATM/Debit Card for Pak Rs. A/c
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MINIMUM BALANCE $ 10, 000 OR

EURO 8,000 OR U.K. POUND 7,000
One Card
Page 16
Renewal of ATM/Debit Card for Pak Rs. A/c
Allowed
Issuance of Cheque Book
One per month
Issuance of Duplicate A/c Statement
1 per month
Lockers (small / medium) *
01 Allowed with same title (at any

branch of Bop)
Outward Bills for Collection
CD account in PKR, with same title
Free Cancellation of DD/PO/MT/TT/CDR in

PKR
No Cheque Return Charges - for cheques

presented in clearing as collecting banker
No key deposit for lockers
For Free Locker, mentioned above
Free Issuance of DD/ PO/ MT/ TT/ CDR in

PKR
Rs. 5/- flat per transaction
On Line Transactions from PKR account

(Intercity / Within City Deposit / Withdrawal)
Rs. 5/- flat per transaction
N.B.
1. The rent free locker facility will be allowed on availability of locker and after
maintaining average balance for six months.
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2. In order to further facilitate the managers in targeting customers, it will be at the

discretion of the manager to offer the incentive package from day one. However it will
be the responsibility of the branch to ensure that customer completes the criteria as per
above table otherwise recover the charges waived.
3. The incentive package will be reviewed on quarterly basis. The Bank reserves the
right to change, modify the package.
Profit Loss Sharing Term Accounts

BOP PEHLAY MUNAFA SCHEME:
PRODUCT
This is a Fixed Deposit product with free ATM/Debit Card. The tenure will be 3, 6, 12, 15
and 18 months.
WHO CAN INVEST
The product is available for all types of customers who are eligible to invest in term
deposit as per Banks criteria. The term account can be opened singly or jointly.
Benevolent/Charitable Funds, Trusts, Cooperative Societies, Clubs etc can also invest.
AMOUNT OF DEPOSIT
Minimum deposit is Rs.50,000/

While No Maximum deposit limit
BOP PAHLAY MUNAFA DEPOSIT SCHEME (Profit in Advance)
The detail of profit rates are as follows
TERM
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PROVISIONAL
* PROVISIONAL
MULTIPLIER
PROFIT TO BE PAID PROFIT RATE P.A.
FACTOR
IN ADVANCE (WHT (ANNUALIZED RATE
EFFECTIVE
RATE OF
EXPECTED
Page 18
TO BE DEDUCTED)
OF EXPECTED
RETURN)
RETURN
03
months
Rs. 2,500
10.00 %
0.025
10.25 %
06
months
Rs. 5,000
10.00 %
0.050
10.53 %
12
months
Rs. 10,350
10.35 %
0.1035
11.54 %
15
months
Rs. 12,800
10.24 %
0.128
11.74 %
18
months
Rs. 14,000
9.333 %
0.140
10.85 %
* This product is governed under PLS rule of Profit & Loss sharing system. The
rates mentioned are expected and the Bank reserves the right to review/revise the
profit rates half yearly and terms & conditions of profit and scheme
The provisional profit will be paid in advance i.e. at the time of investment.
Zakat will be deducted as per law, wherever applicable.
With holding tax will be deducted as per law.
The above expected rates are effective from 08-06-2010 for all fresh deposit
procured/accounts opened under the BOP PahlayMunafa Scheme. These rates will not
be applicable to deposits already booked in these schemes till the time they are
matured.
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PREMATURE ENCASHMENT:
The profit shall be paid on prevalent normal term deposit rates. Rules governing normal
PLS Term Deposit shall apply i.e. In case of pre-mature encashment, corresponding
rate applicable to the period of retention then declared by the Bank will be paid,
provided deposit is kept for a period not less than 7 days. The difference amount will be
recovered from the principal amount.
With-holding Tax deducted in advance and paid to Tax Authorities shall not be refunded
at the time of pre-mature encashment. However Advance Tax Deduction Certificate will
be issued to the customer for claiming refund from the Tax Authorities.
MISCELLANEOUS
The provisional profit will be paid in advance i.e. at the time of investment. The
provisional profit will be credited into customers PLS/CD account.
For further details, please contact your nearest Branch
CORPORATE PREMIER TERM ACCOUNT
His account has been introduced for corporate clients. This is a non operating/chequing
account. Minimum amount of investment is Rs.500 (M). The deduction of Zakat and
Withholding tax will be applicable as per law of the land.
Profit payable at maturity
GENERAL CORPORATE
ENTITIES
01 Month
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5.00%
Page 20
03 Month
5.50%
06 Month
5.75%
01 Year
6.00%
05 Years
Above
&
6.50%
MUNAFA HI MUNAFA TERM ACCOUNT - III
deposit as per Bank's criteria. The term account can be opened singly or jointly.
TERM
*EXPECTED
PROFIT
RATES P.A.
1 month
3 months
6 months
1 year
2 year
7.00 %
8.75 %
9.25 %
11.40 %
11.60 %
PROFIT PAYMENT ON
MINIMUM AMOUNT MONTHLY BASIS (WITH
OF DEPOSIT RS
HOLDING TAX TO BE
DEDUCTED)
100,000/Rs.583
100,000/Rs.729
100,000/Rs.771
100,000/Rs.950
100,000/Rs.967
This product is governed under PLS rules i.e. the rates mentioned are provisional and
the Bank reserves the right to revise/revisit the profit rates under Profit & Loss sharing
system and terms & conditions of scheme.
procured/accounts opened under the Munafa-Hi-Munafa Scheme III. These rates will
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Page 21
not be applicable to deposits already booked in these schemes till the time they are
matured.
* Please note the rates will be reviewed on monthly basis.
Main terms & conditions are as follows:

Minimum deposit is RS.100,000/No Maximum deposit limit
The profit will be paid on monthly basis
Withholding Tax and Zakat will be deducted as per law, wherever applicable
* All other terms & conditions circulated earlier will remain the same
BAI MISAAL TERM DEPOSIT ACCOUNT
deposit as per Bank's criteria. The term account can be opened singly or jointly.
TERM
1 year
2 year
*EXPECTED
MINIMUM PROFIT TO BE PAID ON
PROFIT
AMOUNT OF MATURITY (WHT TO BE
RATES P.A. DEPOSIT RS
DEDUCTED)
12.00 %
12.25 %
100,000/100,000/-
Rs. 12,000
Rs. 24,500
TOTAL AMOUNT TO BE
PAID ON MATURITY
(WHT TO BE
DEDUCTED)
Rs. 112,000
Rs. 124,500
This product is governed under PLS rules i.e. the rates mentioned are provisional
and the Bank reserves the right to revise/revisit the profit rates under Profit &
Loss sharing system and terms & conditions of scheme.
procured/accounts opened under the BaiMisaal Term Deposit Scheme. These rates will
not be applicable to deposits already booked in these schemes till the time they are
matured.
Please note the rates will be reviewed on monthly basis.
Main terms & conditions are as follows:
Minimum deposit is RS.100,000/No Maximum deposit limit

The profit will be paid on maturity along with principal amount
Withholding Tax and Zakat will be deducted as per law, wherever applicable
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Rules governing normal PLS Term Deposit shall apply i.e. In case of pre-mature
encashment, corresponding rate applicable to the period of retention then declared by
the Bank will be paid, provided deposit is kept for a period not less than 7 days. Please
note profit shall be paid on prevalent normal term deposit rates.
All other terms & conditions circulated earlier will remain the same.
Profit Loss Sharing Chequing Accounts

PLS SAVING ACCOUNT
The Accounts shall be opened upon submission of duly filled-in Banks prescribed
Account Opening Form properly introduced in the manner provided and on submitting
all such documents as may be revised by the Bank. The Bank reserves the right to
demand such relevant documents even after opening of account as deemed necessary
The Accounts shall be opened with an initial/minimum deposit as stipulated by the Bank
from time to time unless specifically exempted.\
The Accounts may be opened singly in one name or jointly in two or more names.
A distinctive number shall be allotted to every account and this number should be
quoted in all correspondence relating to the account and at the time of making a deposit
or withdrawal. The Bank reserves the right to change the Account Number or any part of
it in order to meet its book keeping/administration requirement. However, intimation of
change in the account number shall be sent to the account holder.
Account for the recipient of Zakat or recipient of grants from Bait-ul-Mall, maybe opened
with an initial deposit of Rs.100/Deposit may be accepted from minors provided the account is opened and operated
through a guardian. The Account thus opened will continue to be operated upon by the
guardian even if the minor attains the age of majority. The necessary consent to this
MBA 4th
Page 23
effect will be obtained at the time of opening of the account. The orders of the court will,
however, are followed in case the guardian is appointed by the court.
All monies/instruments to be deposited in an account should be accompanied by pay-inslip showing the title and number of the account. The entry of transaction shall be
authenticated by putting Banks stamp under the joint signatures of two officers of the
Bank on the pay-in-slip and counterfoil thereof. However in case of branches where
teller system has been introduced, teller only shell authenticate the transactions up to
the prescribed limits.
Withdrawals will not be allowed against postdated (payable on any future date) and
stale (06 months after issuance date) Cheques and against un-cleared funds.
Where any account is not conducted to the satisfaction of the Bank, the account may be
closed without any notice and the balance will be remitted to the depositor at the
address given by the Account Holder(s).
PLS Savings Accounts may also be opened by charitable institutions, for Provident
Funds and other funds of benevolent nature by Local Bodies, Autonomous
Corporations, Companies, Associations, Societies, Educational Institutions, Firms etc.
and in all other cases where such accounts are required to be opened under the orders
of Competent Court of Law
Not more than one PLS Savings Account may be opened at a branch in any one name
except in the name of a parent or guardian for more than one child or for keeping funds
of specified nature category by an entity, with the Banks prior approval.
Profit payable or Loss recoverable on PLS Saving Accounts to be credited or debited

will be determined by the Bank at its sole discretion on the basis of its net working
results at the end of each half-year within the time prescribed by SBP from the date of
the close of the half-yearly books of accounts of the Bank. The rates of profits may vary
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from period to period via January to June/July to December each year. Calculation of
Profit on PLS Saving Accounts will be made for each calendar month on the lowest
credit balance of an account between the close of the 6th day and the last day of the
month. However, profit accrued even for Re. 1/- after deducting withholding tax will be
payable to all Account Holders. When an account is CLOSED before declaration of
profit rates, the accrued profit will be first credited in the account at the profit rates
previously declared by the Bank. However, no recovery or payment of profit as a result
of increase/decrease in the rate of profit will be affected upon such A/C holders after
announcement of half-yearly profit rates by the Bank.
The Bank has the right to refuse to open an Account without assigning any reason.
Withholding Tax at the rate notified by the Government of Pakistan from time to time will
be deducted out of profits payable to the Account Holders.
ZAKAT is leviable on the assets as described in the Zakat &Ushr Ordinance 1980 (as
amended from time to time) on balances which will fall within the definition of zakatable
assets as notified by the Government of Pakistan on valuation date each year, provided
Declaration (original/attested photocopy) for exemption from compulsory deduction of
zakat is filed on the prescribed proforma (CZ-50) in the prescribed manner one month
preceding the valuation date except in the case of newly opened accounts.
The branches shall ensure completion of all the formalities required by State Bank of
Pakistan vide Prudential Regulation No.M-1with regard to KNOW YOUR CUSTOMER,
SENIOR CITIZENS SAVING ACCOUNT
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This is a saving bank product available for all senior citizens i.e. persons of 60 years
and above who are eligible to open a saving account as per our Banks criteria. The
account can be opened singly or preferably jointly (husband & wife) provided either of
them is of 60 years or above. This product is designed to attract procure
deposit/savings of senior citizens by offering attractive, innovative incentives and higher
rate of profit to senior citizens.
The Main Features are:

A customer can open only one BOP Senior Citizens Saving Account singly or jointly
regardless of the branch. In case it is found out that more than one account exists under
this category, the Bank reserves the right to recover & forfeit the profits paid or not to
give any profit. The account can be opened with a minimum initial deposit of Rs.10,
000/-. However in case average deposit during the month falls below Rs.10, 000/-,
account maintaining charges shall be levied as per Banks Schedule of Charges.
The profit slab is as follows:
Minimum Monthly Balance
* Expected rate of profit
Rs. 0 up to 200,000/-
Normal PLS SB rate
Rs.200,001 up to 400,000/-
5 7 % p.a.
Rs.400,001 up to 500,000/-
8 % p.a.
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Page 26
Over Rs. 500,000/-
5 % p.a.
*This product is governed under PLS rule of Profit & Loss sharing system. The rates
mentioned are expected and the Bank reserves the right to review/revise the profit rates
quarterly.
Maximum profit @ 8.0 % p.a. as per different slabs shall be paid on minimum monthly
deposit up toRs.500; 000/-Deposit can exceed Rs.500, 000/- however will be paid at
normal PLS-SB-Account rate on amount over and above Rs.500, 000.
The profit will be calculated on monthly basis based on the minimum monthly balance
maintained by the customer during that particular month.
The profit will be credited on monthly basis in the respective account. Profit once
disbursed will not be recovered in case of decrease in rate at the time of announcement
of Half Yearly profit rates. However in case of rise in profit rate the difference amount
will be paid.
Existing senior citizen account holders can also open account under this scheme.
Withholding tax will be deducted from the profit as per law in force Preferably PLS SB
joint a/c should be opened with special instructions of Either or Survivor which must be
jointly authenticated under full signatures of the Joint A/c holders.
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Unlimited transaction (debit/credit) Free complimentary issuance of first ATM/Debit Card

Free complimentary issuance of first Cheque Book of 25 leaves 25 % reduction in rental
charges of small or medium locker subject to availability.
Priority banking especially in utility bills payment, counter service etc
The product carries all characteristics/conditions pertaining to PLS SB account i.e.

issuance of DD/TT/MT/PO etc as per Banks Schedule of Charges except payment of
profit which shall be paid on monthly basis on minimum monthly deposit as per
admissible rates shown against each minimum monthly balance.
GHARAYLOO SAVING ACCOUNT:
This is a saving bank product available for all females who are eligible to open a saving
account as per our Banks criteria. The account can be opened singly or jointly with
husband. This product is designed to attract procure deposit/savings of ladies
particularly housewives of expatriates & students.
The Main Features are:
A female can open only one BOP Gharayloo Saving Account singly or jointly regardless
of the branch. In case it is found out that more than one account exists under this
category, the Bank reserves the right to recover & forfeit the profits paid or not to give
any profit. The account can be opened with a minimum initial deposit of Rs.10, 000/-.
MBA 4th
Page 28
However in case average deposit during the month falls below Rs.10, 000/-, account
maintaining charges shall be levied as per Banks Schedule of Charges
MINIMUM MONTHLY BALANCE
* EXPECTED RATE OF PROFIT
Rs. 0 up to 10,000/-
Normal PLS SB declared rate
Rs. 10,001 up to 250,000/-
7.25 % p.a.
Over Rs.250,000/-
Normal PLS SB declared rate
quarterly.
Maximum profit @ 7.25 % p.la.Shall be paid on minimum monthly deposit up to Rs.250,
000/- but over Rs.10, 000/-. Deposit can exceed Rs.250, 000/- however, profit will be
paid at normal PLS-SB-Account rate on balance over and above Rs.250, 000.
maintained by the customer during that particular month.
MBA 4th
Page 29
The profit will be credited on monthly basis in the respective account. Profit once
disbursed will not be recovered in case of decrease in rate at the time of announcement
of Half Yearly profit rates. However in case of rise in profit rate the difference amount
will be paid.
Withholding tax will be deducted from the profit as per law in force. Preferably PLS SB
jointly authenticated under full signatures of the Joint A/c holders.
Unlimited transaction (debit/credit) Free complimentary issuance of first ATM/Debit Card

25 % reduction in rental charges of small or medium locker subject to availability Priority
banking especially in utility bills payment, counter service etc.
The product carries all characteristics/conditions pertaining to PLS SB account i.e.

issuance of DD/TT/MT/PO etc as per Banks Schedule of Charges except payment of
profit which shall be paid on monthly basis on minimum monthly deposit as per
admissible rates shown against each minimum monthly balance.
ZIADA MUNAFA SAVING ACCOUNT
This is a saving bank product available for general public i.e. persons who are eligible to
open a saving account as per our Banks criteria. The account can be opened singly or
jointly. This product is designed to attract procure deposit/savings of general public
particularly salaried and small investors.
A customer can open only one BOP ZiadaMunafa Saving Account singly or jointly
regardless of the branch. In case it is found out that more than one account exists under
this category, the Bank reserves the right to recover & forfeit the profits paid or not to
give any profit. The account can be opened with a minimum initial deposit of Rs.10,
000/-. However in case average deposit during the month falls below Rs.10, 000/-,
account maintaining charges shall be levied as per Banks Schedule of Charges.
MBA 4th
Page 30
MINIMUM MONTHLY BALANCE

Rs. 0 up to 400,000/Rs.400,000 up to 500,000/Over Rs.500,000
* EXPECTED RATE OF PROFIT

Normal PLS SB rate
7.5 % p.a.
Normal PLS SB rate
quarterly.
Maximum profit @ 7.5 % p.a. as per different slabs shall be paid on minimum monthly
deposit up to Rs.500, 000/-Deposit can exceed Rs.500, 000/- however, profit will be
paid at normal PLS-SB-Account rate on amount over and above Rs.500, 000.
maintained by the customer during that particular month. The profit will be credited on
half yearly basis in the respective account as per rules of PLS SB.
Withholding tax will be deducted from the profit as per law in force. Preferably PLS SB
jointly authenticated under full signatures of the Joint A/c holders. Unlimited transaction
(debit/credit) free complimentary issuance of first ATM/Debit Card
The product carries all characteristics/conditions pertaining to PLS SB account including
payment of profit on half yearly basis i.e. issuance of DD/TT/MT/PO etc as per Banks
Schedule of Charges on minimum monthly deposit as per admissible rates shown
against each minimum monthly balance.
Loan Products
COMMERCIAL FINANCE:
Against Pledge of Shares
Against Government Securities
MBA 4th
Page 31
Against Hypothecation of Stocks
Against Pledge of Shares
His facility is generally extended to companies or individuals on selective basis against

pledge of tangible securities such as Shares. Such financing is supportive to secondary
Capital Market concept. The facility is required to be adjusted periodically or within the
period as specified in the Sanction Advice/DAC. Given that Stock Market in Pakistan is
volatile, banks are required to refrain from extending loans to the market players who
are engaged in speculations for short term Gains, which quite often they fail to make,
consequently rendering the facility to non-performing ultimately.
POLICY
Advances against shares shall not be allowed to:
Take exposure against the security of shares/TFCs issued by them.

Provide unsecured credit to finance subscription towards floatation of share
capital and issue of TFCs.
Take exposure against the non listed TFCs or the shares of companies not listed
on the Stock Exchange(s).
Take exposure on any limited company against the shares/TFCs of that
company or its group companies.
Take exposure against sponsor directors shares (issued in their own name or in
the name of their family members) of banks/DFIs.
Take exposure on any one person (whether singly or together with other family
members or companies owned and controlled by him or his family members)
MBA 4th
Page 32
against shares of any commercial bank/DFI in excess of 5% of paid up capital of

the share issuing bank/DFI.
Take exposure against the shares/TFCs of listed companies that are not
members of the Central Depository System.
Take exposure against unsecured TFCs or non rated TFCs or TFCs rated below
BBB or equivalent.
Unless otherwise adequately secured by other acceptable collaterals, Advance
to finance Subscription, towards floatation of Share Capital of public limited
company, is not allowed, under Credit Policy.
Advances approved shall be within Per Party Limit (i.e, 30% of un-impaired
equity of Bank for fund based and non fund based subject to condition that the
maximum outstanding against fund based exposure doest not exceed 20% of
Banks equity) and supported by positive CIB/DFIs confidential reports.
Loans exceeding Rs. 500,000/- (Total Accommodation) shall not be more than
10 times of Borrowers Equity i.e. Capital and Reserves minus losses and 04
times in case of fund based facility, as disclosed in their balance sheets.
Financing shall be allowed against shares registered in the name of Borrower,
however in case the shares tendered for pledge are registered in the name of a
Third Party, the letter of lien shall be signed by the Third Party and not by the
Borrowers.
Advances Department Head or RCAD shall conduct a monthly review of
financing against shares and exercise vigilance over: - Market Rates of pledged
shares. Their marketability. Dividend/Bonus declarations etc
Minimum Margin Requirements
1. Exposure against Shares of Listed Companies shall be subject to minimum margin of

30% of their current market value as per prevalent Prudential Regulations, which may at
the discretion of the Bank be set higher. However, in terms of the Prudential Regulations
the Bank shall monitor the margin on at least weekly basis and shall take appropriate
MBA 4th
Page 33
action for top-up and sell out, on the basis of approved Credit Policy and prior written
authority from the borrower.
AGAINST GOVERNMENT SECURITIES:
Government Securities include Defense Saving Certificates (DSCs), Special Saving

Certificates (SSCs), Regular Income Certificates (RICs), and Behbood Certificates, US
Dollar Bonds & NIT Units etc, issued by National Saving Centre Government of
Pakistan/National Investment Trust.
Large amount of funds representing Provident Fund, Benevolent Fund collections are
invested in the Government Securities, which are yielding better return compared to
placements with Commercial Banks. Banks also extend credit facilities against pledge
of Deposit Certificates or other instruments of value issued in the name of Individuals,
Joint Holders Public Bodies, and Firms, issued by various Government regulated
Investment/Saving Organizations, which at the moment are restricted to Maximum of
Rupees One Million and are subject to change.
1) POLICY
a. All Credit Financing against pledge of Securities require Credit Limit
approved by Credit Committee, even if 100% covered by cash or
collateral.
b. Documents complete in all respect duly vetted by Banks legal counsel
signature verified shall be obtained ensuring their validity in a Court of
Law. Signatures shall be verified in pencil on each document.
AGAINST HYPOTHECATION OF STOCKS:
Industrial organizations have to invest a large sum of money to build stocks of raw
material to up keep their manufacturing line. This is apt to create liquidity constraints in
MBA 4th
Page 34
the Financial Balance Sheet of the customer. To manage such financial gaps/shortfall in
their cash flow they usually resort to borrowings from Banks against Hypothecation of
raw material/semi or finished goods held by them in their stocks. Banks in such cases
although do not have a physical custody of the goods, however have a legal
Charge/Lien established, thereon, providing a legal recourse to the Bank to take
custody of the stocks, in the event the borrowers default to repay the loan or fail to meet
their obligations, as agreed.
Criteria to merit this facility is provided in the Banks Credit Policy Manual, which is care
fully assessed by Risk Managers, while recommending a credit proposal to credit
committee. Some of the basic requirements are as follows which are included for
general understanding of the Processing Officers at Branches/CAD:- It shall be ensured
that the borrowers have absolute title to the goods and the same are not encumbered or
previously hypothecated to any other Bank.
Formal charge (First/Second/PariPassu) is created in the name of the Bank. Goods

offered are not perishable, or have short expiry period and do not warrant special
storing. Stocks offered for hypothecation are easily marketable and its price is not highly
fluctuating, otherwise the Bank retains higher margin. Stocks under hypothecation are
not restricted by SBP/Government as a policy to maintain market supply.
POLICY
Advances against hypothecation of goods is subject to the policies as applicable to

other loans, and as spelled out in the Credit Policy Manual with the exceptions given
below:
Stock reports, duly signed by borrowers, are received periodically at a frequency

as spelled out in the DAC/Credit Proposal etc.
MBA 4th
Page 35
Limits are adjusted by CAD in the system in accordance with the Drawing Power
worked out each time a stock reports is received and value of stocks reassessed by
applying latest Pricing Index.
Negative Variance between the net value of stocks (i.e, market value less
margin) and the outstanding advance shall be reported to the relationship/Risk Manger,
who shall advise the borrowers to cover the shortfall by additional stocks or adjust the
facility accordingly.
Cash Finance
This facility is generally provided against pledge of goods. Under this type of financial
accommodation the facility amount is disbursed in specially opened account for the
purpose. The pledged goods are released to the borrower against cash payment only. In
case the goods pledged are seasonal in nature, the customer would be required to
adjust the facility before the season ends. Rollover shall not be allowed.
POLICY:Basic criteria to qualify for advances against pledge of goods are as follows:-
Facility is disbursed in specially opened CF A/C for the purpose It shall be ensured that
Goods tendered for pledge are:
Free from credit restrictions imposed by State Bank of Pakistan Not perishable,
do not require special Storing arrangements / conditions and have short expiry period.
Easily marketable and their price is not highly fluctuating.
If so higher margins shall have to be approved & retained Where variation in
pricing is observed during periodic evaluation, the customer shall be advised to make
good the shortfall in the drawing power.
Where variation in pricing is observed during periodic evaluation, the customer
shall be advised to make good the shortfall in the D.P.
The borrowers hold an absolute un-encumbered title to the goods
MBA 4th
Page 36
Consumer Finance
Aasaish Loan
Quick cash
Car Loan
House Loan
Smart Cash Personal Loan
BOP Aasaish Loan
Particulars
Banks Policy
About
Scheme
"BOP Aasaish Loan is personal loan facility for banks target market for
the purchase of Consumer durable goods for their personal use,
repayable on easy instalments"
Features
Target
Market
Brands/
Products
Down
Payment
MBA 4th
Salaried Individuals (SI)

Self Employed Professionals (SEP)
Self Employed Businessmen (SEB)
All renowned brands including PEL, LG, Sony, Samsung etc. for all
products like Refrigerator, TV, Microwave Oven, AC, Washing machine
etc.
0%
Page 37
Tenure /
Loan
Amount /
Mark-up
Rate
Charges
Details
Tenure
Mark-up Rate
(Reducing balance method)
6 months
0%
9 Months
8% p.a
12 Months
11%p.a.
18 Months
15%p.a.
24 Months
18%p.a.
Processing Charges
= Rs. 500/- per case
E-CIB Charges
= Rs.125/- per case UptoRs. 100,000/Rs.200/- per case over Rs. 100,000/Documentation Charges
= Actual
Debt
Burden
The monthly payments of all loans/lease/limits from all FIs/banks

should not exceed 50% of Take Home Salary / Net Income.
PrePayment
Penalty
No Penalty
Late
Payment
3% on the amount of instalment per day for the days the amount
remains overdue Max. Rs. 500/- + ChequeDishonouring Charges (as
MBA 4th
Page 38
Penalty
per schedule of charges of the bank)
Eligibility
Criteria
Eligibility Criteria for Govt. /Armed Forces/BOP Employees

Age between 21 and 59 Years or retirement date; whichever is
earlier (59 Years at maturity of facility)
Minimum Take Home Salary is Rs.7,000/

Permanent Employee with Minimum 01 Year of job Experience.
Contractual Employees are also eligible but loan should be

adjusted before 03-months of the expiry of contract. Moreover,
departmental undertaking / one Personal Guarantee of equivalent or
senior grade shall be obtained for contractual employees (Financial
commitment of Guarantor should be established through E-CIB report
& Salary Slip or Employer Certificate or Bank Statement of salary
account showing monthly credits of salary amount).
Maintaining Salary Account in any bank.
Have valid CNIC

Eligibility Criteria for Private Employees

Minimum Take Home Salary is Rs. 10,000/

Permanent Pvt. Employee with Minimum 02 Years of job
Experience including 01 year with current employer.
Maintaining Salary Account with any bank.
Have valid CNIC

Eligibility Criteria for SEP/SEB

Minimum 02 Years in current business.
Minimum Monthly Net Income is Rs.15,000/- (Established

through Tax Return or Financial Statements or Bank Statement).
Have valid CNIC
Residing or working in launching cities.
Documents
Required
MBA 4th
For Govt. /Armed Forces/BOP Employees
Copy of valid CNIC

Latest Salary Slip (Employer Certificate, if salary slip is not
Page 39
provided by employer)
Employer Certificate on organizations letter head (as per BOP

specimen)
Bank Statement for last 06 months (where salary is being

transferred).
Latest Copy of utility bills (Electricity & phone) (of present living
address).
For Private Employees
Copy of valid CNIC
Two Recent Photographs


specimen)

transferred).
address)
Income Tax Return/Wealth Statement OR Non-Tax Payees

Form, if applicant is a non-tax payer In case of non-tax payee, one
personal guarantee is required. one Personal Guarantee of equivalent
or senior grade shall be obtained for contractual employees (Financial
& Salary Slip or Employer Certificate or Bank Statement of salary
account showing monthly credits of salary amount)
For self employed business professional
Copy of valid CNIC
Bank Statement for last 06 months of Business Accounts
Latest Copy of utility bills (Electricity & phone) of Residence

Form, if applicant is a non-tax payer. In case of non-tax payee, one
personal guarantee is required.
Business related documents.
Latest copy of utility bills (Electricity & phone) of current

business address.
MBA 4th
Page 40
Security
Documentary evidence in business or in the profession for the

last 2 years.
Proprietorship Certificate/Partnership deed
Copy of Professional Degree (For Professionals)
Post Dated Cheques
Life Insurance of Borrower.

Three (03) undated cheques of marked up amount (Principal +
Mark-up)
Any additional guarantee, if required as per the contents of the
approval letter.
Quick Cash
Particulars
Banks Policy
About
Scheme
BOP Quick Cash is personal running finance facility for Salaried Class
for meeting their day to day personal needs
Features
Target
Market
MBA 4th
The facility shall be available for Salaried Individuals (SI) only.
Page 41
Finance
Amount
Minimum amount
Rs.50,000/-
Tenure
Mark-up
Rate
Rs.500,000/-
The facility is available for 1 year .However, It is renewable subject to

satisfactory Conduct of account, status/request of the borrower and
banks usual terms & condition.
Tenure
1
year
Charges
Details
Maximum amount
Mark-up Rate
Avg. 1 Year ask
side KIBOR + 900
BPS with floor of
19% p.a.
Frequency of
Change of Mark-up
rate
Fixed for one year
and revised at the
time of renewal.
Processing Charges
= Rs. 1,850/E-CIB Charges
= Rs.125/- per case UptoRs. 100,000/Rs.200/- per case over Rs. 100,000/Guarantor e-CIB Charges
= Rs.50/- per report
Documentation Charges
= Actual
Monthly
5% of outstanding amount at last date of the month OR Mark-up
Installment amount; whichever is higher (Payment of Monthly Instalment before
10th of every month)
Debt
Burden

Late
Payment
Penalty
In case of delayed/non-payment, additional 2% mark-up shall be

charged. However, 03 grace days shall be allowed for payment
MBA 4th
Page 42
Eligibility
Criteria
Documents
Required

earlier (59 Years at maturity of facility).
Minimum Monthly Take Home Salary/Income is Rs. 15,000/Permanent Employee with Minimum 03 Year of job Experience
including 01 year with current employer Contractual Employees are
also eligible but loan should be adjusted before 06 months of the
expiry of contract.
Have valid CNIC
Copy of valid CNIC
specimen)
transferred)
address)
Two recent photographs
Form, if applicant is a non-tax payer In case of non-tax payee
Security
Departmental Undertaking or Two Personal Guarantees of

employees of equivalent/senior grades to the client or where no
equivalent/senior grade officer is available then Personal Guarantee of
two officers of grade 17 or above shall be obtained. (Financial
& Salary Slip/Employer Certificate/Bank Statement)
In cases where the departments show intention to stand as guarantor,
an agreement shall be signed between the concerned
Department/Organization and Bank (through Regional Chief) whereby
the Organization shall undertake to deduct the amount due at its own
and then deposit the same into clients account.
THREE undated cheque for the full marked up amount i.e

(Principle + Mark-up of 01 year)
Life Insurance of Borrower
MBA 4th
Page 43
BOP Car Loan
Particulars
Banks Policy
About
Scheme
A lease facility for the purchase of vehicles for personal use.
Features
Target
Market
Finance
Amount
Tenure
Mark up
Rate
Minimum
Equity
MBA 4th
Salaried Individuals (SI)

Self Employed Professionals (SEP)
Self Employed Businessmen (SEB)
Minimum: Rs. 200,000/-
Minimum: 01 Year
Maximum: 5,000,000/-
Maximum: 05 Years
Tenure
Mark-up Rate
1 year
Avg. 1 Year ask side KIBOR + 400

bps with floor of 17% p.a.
2 Years
Avg. 2 Years ask side KIBOR + 400

3&5
Years
Avg. 3 Years ask side KIBOR + 400

Govt. / BOP Employees Pvt. Employees SEP/SEB
Page 44
10%
15%
20%
Down
Payment
Equity + Processing Charges + First Year Insurance + First Monthly

Instalment
Charges
Details
Processing Charges
= Rs. 5,000/E-CIB Charges
= Rs.300/- per case
Guarantor e-CIB Charges
= Rs.50/- per report.
Documentation Charges
= Actual
Insurance Rate
= 4% from Insurance company on bank panel
Registration Charges
= Actual. Payable directly by the customer
PrePayment
Penalty
Pre-payment penalty @5% on principal outstanding .However, If the

customer repays in order to obtain finance for new vehicle no penalty
may be charged.
Debt
Burden

Late
5% on the amount of instalment Maximum Rs. 1000/- +
MBA 4th
Page 45
Payment
Penalty
Eligibility
Criteria
MBA 4th
ChequeDishonouring Charges (as per schedule of charges of the bank)
ELIGIBILITY CRITERIA FOR GOVT. EMPLOYEES & BOP

EMPLOYEES


Permanent Govt. Employee with Minimum 03 Years of job
Experience. (01 Year for BOP Employees).
Contractual Employees are also eligible but loan should be

adjusted before 06-months of the expiry of contract. Moreover,
departmental undertaking / one Personal Guarantee of Govt.
Employee of grade 17 & above shall be obtained for contractual
employees (Financial commitment of Guarantor should be established
through E-CIB report & Salary Slip/Employer Certificate/Bank
Statement of salary account showing monthly credits of salary
amount).
Have valid Driving License & CNIC

ELIGIBILITY CRITERIA FOR PRIVATE EMPLOYEES


Permanent Pvt. Employee with Minimum 03 Years of job
Experience including 01 year with current employer.
Maintaining Salary Account with any bank.

ELIGIBILITY CRITERIA FOR SEP/SEB

Minimum 03 Years in current business.
Minimum Monthly Net Income is Rs. 20,000/- (Established
Page 46
through Tax Return or Income Estimation Report of outsourced

agencies or Bank Statement).

Documents
Required
FOR SALARIED PERSON
Copy of valid CNIC
Latest Salary Slip / Employer Certificate on organizations letter

head (as per BOP specimen)
Bank Statement for last 6 months
Latest Copy of utility bills (Electricity & phone)

Form, if applicant is a non-tax payer
FOR SELF EMPLOYED PROFESSIONAL /BUSINESSMEN
Copy of CNIC
Bank Statement for last 01 Year of Business Accounts
Latest Copy of utility bills (Electricity & phone) of Residence

Form, if applicant is a non-tax payer
BUSINESS RELATED DOCUMENTS.
Latest copy of utility bills (Electricity & phone) of current

business address.
Documentary evidence in business or in the profession for the

last 2 years.
Proprietorship Certificate/Partnership deed
Copy of Professional Degree (For Professionals)
Security
MBA 4th
Car will be registered in the name of Bank as per lease

agreement.
Comprehensive Insurance Policy (Insurance Certificate/policy

will be sent directly to the branch by the Insurance Company).
Post Dated Cheques as per the repayment schedule.
Three (03) undated cheques of marked up amount (Principal +

Mark-up) Any additional guarantee, if required as per the contents of
Page 47
the approval letter
Agriculture Credit
Lease Finance Facility for Purchase of Tractor under Green Tractor Scheme 2008-2009
In the wake of Chief Minister, Punjab's agenda for promotion of Agriculture Sector,
Government of Punjab has decided to provide 10000 Tractors to small farmers on
subsidized rates. A subsidy of RS: 200,000/- per tractor will be provided to the farmers
declared successful through computerized balloting. The scheme has been titled as
"Green Tractor Scheme 2008-09". In order to facilitate farmers and to grasp maximum
business, our Management has approved a special product titled as "LEASE FINANCE
FACILITY FOR PURCHASE OF TRACTOR UNDER GREEN TRACTOR SCHEME
2008-09" with following terms & conditions:
ELIGIBILITY:
All Farmers who have been declared successful through computerized balloting
The applicant should be a resident, owner/self cultivator of minimum 05 Acres of agri
land free from all encumbrances. Existing BOP borrowers having land under Bank's
charge are also eligible under this scheme.
The applicant should not be a defaulter of any Financial Institution.
PRICE OF TRACTOR:
The price of Green Tractor would be less by RS: 200,000/- from market price of tractor.
Subsidy of RS: 200,000/- will be provided by Govt. Of Punjab directly to Tractor
Manufacturers
MBA 4th
Page 48
MAKE OF TRACTOR:
Government of Punjab has approved M/s Millat Tractors (Pvt.) Ltd. and Al-Ghazi
Tractors Limited as Local Manufacturers of tractors for the scheme.
AMOUNT OF FINANCE:
The amount of finance will be equal to the price of locally manufactured tractor less
subsidy amount of RS: 200,000/- to be provided by the Government of Punjab.
However, maximum amount of facility will not exceed the ex - factory price of tractor.
EQUITY:
No Equity for Tractors having price up to RS: 500,000 10% equity of Subsidized Price
(actual price - subsidy amount) for all Tractors having price above RS: 500,000/-
SECURITY:
Leased Asset (Tractor) itself (Tractor will be registered solely in the name of The Bank
of Punjab).
Charge on Agriculture Land through Agri. Pass Book.
Two written satisfactory market checking reports
MARGIN ON COLLATERAL SECURITY:

25% margin on three years OstBai of Agri Land as assessed by Revenue Officials.
50% margin on FSV of Agri Land as evaluated by Bank's approved surveyor (s).
MBA 4th
Page 49
INSURANCE:
Asset Insurance and Life assurance of the Borrower (assigned to BOP) as per Bank's
policy Insurance, Registration and evaluation charges (if any) etc shall be borne by the
farmer.
MARK-UP:
18% per Annum
VALIDITY:
05 Years from the date of disbursement.
REPAYMENT:
10 Equal Half Yearly Installments (Principal + Mark up).
Agriculture loans
MBA 4th
Page 50
Kisan dost scheme

Scheme for Controlled Shed
Agriculture Finance Scheme
Model Dairy Farms
Kisan Dost Tractor Finance Scheme

PURPOSE:
Provision of financial facility to the farmers and non farmers (those who provide tractors
to farmers on rental basis for various tractor related operations), for purchase of Tractor
on Lease Finance Basis
ELIGIBILITY:
Resident Self Cultivator having Agriculture Land minimum 5 acres and maximum 50
acres. OR The persons who are related with the business of providing services for
tractor related farming practices to the farmers on rental Basis.
AMOUNT:
Maximum Rs. 750,000/-.
EQUITY:
10% to 20% of the cost of Tractor will be paid by the borrower on case to case basis.
MBA 4th
Page 51
SECURITY:
1. Lease Tractor (to be registered in the name of Bank)
2. Charge on Agriculture Land through Agri. Pass Book.
3. One personal guarantee of reputable person. Two written satisfactory market
checking reports

50% Margin on Agri land assessed by PBAs Approved Surveyor. 25% Agri land as per
value in revenue record. The maximum amount of Finance will be allowed upto 75% of
the OastBai Value of land (OastBai is verified by Revenue Officer)
INSURANCE:
The Lessee will arrange comprehensive insurance of tractor. Life assurance of lessee
under the Banks charge
MARK-UP:
18% per Annum
REPAYMENT:
10 equal half yearly installments (within five years).
MBA 4th
Page 52
Name of Scheme
Type
Rate of Markup
FARM SECTOR
Kissan Dost Agrimall Finance
Scheme (LEASE FINANCE)
Development
18% p.a

Scheme (LEASE FINANCE)
Development
18% p.a
Forced D/F Agri Loan against L/G &

L/C etc.
Development
18% p.a
Kissan Dost Mechanization Support

Scheme
Development
18% p.a
K.D. Aabiari Scheme
Development
18% p.a
Kissan Dost Islah-e-Arazi Scheme
Development
18% p.a
K.D Commercial Agro Services

Scheme
Development
18% p.a
K. D. Green House Finance Scheme

(D/F)
Development
18% p.a

(L/F)
Development
18% p.a
K.D. Cold Storage Finance Scheme

(L/F)
Development
18% p.a

(D/F)
Development
18% p.a
K.D. Drip Irrigation System Finance

(L/F)
Development
18% p.a
Green Tractor Scheme
Development
18% p.a
K.D. Farm Transport Scheme
Development
18% p.a
Kissan Dost Commercial Tractor

Lease Finance Scheme
Development
18% p.a
MBA 4th
Page 53
Kissan Dost Agriculture Finance

Scheme
Production
18% p.a
K.D Agriculture Corporate Farming

Finance Scheme
Production
18% p.a

Scheme (R/F)
Production
6 month KIBOR + 350 BPS

with floor rate of 12% P.A

(R/F)
Production
18% p.a
K. D. Agriculture Corporate Farming

Finance Scheme
Production
18% p.a

(R/F)
Production
18% p.a
Scheme for Controlled Sheds
PURPOSE
The purpose of this scheme is to provide finance: For Construction of new Controlled
Poultry Sheds For remodeling of existing Sheds in to Controlled Sheds For
modernization/remodeling of existing sheds by replacing equipment machinery Import of
Machinery/Equipments related to Controlled Sheds
MBA 4th
Page 54
ELIGIBILITY
A genuine farmer engaged in Agri related activities directly or indirectly having a suitable
land to erect Controlled Sheds Not a defaulter of any Financial Institution Having land
free from all encumbrances to be offered as security
NATURE & AMOUNT OF FACILITIES
MEDIUM TERM DEMAND FINANCE FACILITY (D/F)

Amount of Finance
(For construction of Controlled Sheds for Poultry Farming) 70% of the cost of
construction as assessed by PBAs approved surveyor according to the proposed plan
of construction.
EQUITY:
30% of the cost of construction as assessed by PBAs approved surveyor according to
the proposed plan of construction.
MEDIUM TERM LEASE FINANCE FACILITY (L/F)

AMOUNT OF FINANCE
(For purchase of machinery and equipments for modernization/remodeling of existing
poultry sheds (Feeding System, Nipple System, Cooling Pads, Fans, Heaters,
Generators and Weighbridge etc) 80% of purchase price of Equipment/Machinery
MBA 4th
Page 55
Letter of Credit Facility L/C

Facility for import of equipments/machinery to be installed in the Controlled Shed
Import L/C (sight) Cash Margin 20%

Retired through L/F of 5 years period
Lease Key Money 20%
TENURE OF FACILITIES
Five Years in case of Demand Finance with grace period of ONE YEAR
Five Years in case of Lease Finance
TYPE OF SECURITY
1. Primary
Leased Assets in case of Lease Finance Facility (receipt will be issued in the name of
the Bank of Punjab)
2. Collateral
Charge on agriculture land through Agri Passbook OR Charge on urban immovable
property through equitable/registered mortgage the property should be cleared by the
banks approved legal counsel and will be assessed by the Banks and PBAs approved
surveyor. OR Liquid security in shape of Banks Fixed Deposit Receipt/DSC/NSC or
Regular Income Certificates. One personal guarantee of a reputable person. ACO
along with Regional Chief can waive this condition if they deem the borrower to be
credit worthy.
Margin on Security
IN CASE OF OAST BAI
MBA 4th
Page 56
The maximum amount of Finance will be allowed up to 75% of the OastBai Value (duly
verified by Revenue Officer) of Agri Land
IN CASE OF MARKET VALUE OF AGRI/URBAN/COMMERCIAL LAND
The maximum amount of Finance will be allowed up to 50% of the Forced Sale Value of
the property as evaluated by PBA/Banks approved surveyor.
INSURANCE
Comprehensive Insurance (assigned to BOP) of the Leased Assets at borrowers cost
Life assurance of the borrower (assigned to BOP)
Application of Markup Rate
For Demand Finance 18% per Annum
For Lease Finance 18% per Annum
DISBURSEMENT
In case of Medium Term Demand Finance Facility the loan will be disbursed in the
following manner: 40% for base structure, foundation and purchase of raw materials
40% for construction of Boundary Wall and other civil works 20% for finishing purposes
Each tranche will be released after proper verification by Executive Incharge Agriculture,
Branch Manager and ACO of the respective Branch. In case of Medium Term Lease
Finance Facility the loan will be disbursed in the following manner. Payment will be
made directly to the vendors/suppliers. The original cash receipts/invoices will be in the
name of the Bank of Punjab.
REPAYMENT
20 equal quarterly installments (Principal + Mark up) in case of Lease Finance 16 equal
quarterly installments (Principal + Mark up) in case of Demand Finance Facility. This
MBA 4th
Page 57
scheme would be a part of our existing Kissan Dost Livestock Development Finance
Scheme.
Kisan Dost Agree Finance Schemes
PURPOSE:
Provision of financial facility to farmers for purchase of inputs (Seed, fertilizers,

pesticides, fungicides e.t.c)
ELIGIBILITY:
acres. The applicant should not be defaulter of any other Bank and property should be
free from any encumbrances
AMOUNT:
Maximum Rs.500, 000/- according to per acre limit of the crop
MBA 4th
Page 58
SECURITY:
Charge on Agriculture Land through Agri. Pass Book. OR Registered / Equitable
mortgage of urban property assessed by PBAs approved surveyor and cleared by
Banks legal counsel OR Liquid security in the shape Banks Fixed Deposited
Receipts/DSC/NSC or Regular Income Certificates One Personal guarantee of
reputable person. ACOs along with Regional Chief can waive this condition if they deem
the borrower to be very credit worthy two written satisfactory market checking reports.

50% Margin on Agri land or urban property assessed by Surveyor 25% margin on liquid
security or Agri land as per value in revenue record. The maximum amount of Finance
will be allowed up to 75% of the OastBai Value of land (OastBai is verified by Revenue
Officer)
Insurance:
Borrower will to arranged Crop Insurance and Life assurance by company on banks
panel.
MARK-UP:
18% per Annum
REPAYMENT:
Principal Once in a year & Markup on half yearly basis
MBA 4th
Page 59
RENEWAL:
Automatic renewal upon adjustment of entire principal with full markup within one year
Fresh documents will be obtained after three years.
Model Dairy Farms (PDDC)
PURPOSE:
Lease Finance Facility to purchase Dairy Farm Machinery for up gradation of Farm
infrastructure. Following items will be permissible.
Farm cooling tanks.

Fodder harvesters.
Hay bailers.
Animal cooling systems.
Any other machinery/equipment advised by PDDC that is necessary for Farm
up-gradation.
ELIGIBILITY:
I) the applicant should be having his owned/leased Dairy Farm.
II) Recommended by PDDC.
Amount:
Bank will provide Lease Finance between 70% to 90% of the cost of assets ( on case to
case basis).
EQUITY:
From 10% to 30% of the cost of Equipment (on case to case basis)
MBA 4th
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PRIMARY SECURITY:
Leased assets in the name of the Bank (Cash Memo/Invoice in the name of
Bank).Hypothecation of stocks (if any)
Collateral Security:
Charge on Agriculture Land through Agri. Pass Book/Registered and Equitable
Mortgage of Urban Immovable property/Lien on liquid security (Banks Term Deposit
Receipts/National Saving Certificated)
MARGIN ON IMMOVABLE SECURITY:

25% to 50% margin on FSV of immoveable security (Agri land /urban property). & 10%
margin on liquid security. The maximum amount of Finance will be allowed up to 75% of
the OastBai Value of land (OastBai is verified by Revenue Officer)
INSURANCE:
Comprehensive Insurance of the Leased assets at the borrowers cost. Life assurance
of the borrower, assigned to BOP.
MARK-UP:
Average 6 months KIBOR + 250 bps to 495 bps with floor of 10% per annum to be paid
by PDDC according to the repayment schedule of the principal amount.
VALIDITY:
Up to five years in case of Lease Finance Facility
MBA 4th
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REPAYMENT:
Equal quarterly installments (Principal only)
Kisan Dost Aabiari Scheme
PURPOSE:
Provision of financial facility to the farmers for installation of Tube well, turbines etc
ELIGIBILITY:
acres.
AMOUNT:
Maximum Rs 500,000/-.
EQUITY:
20% of the cost of project will be paid by the borrower.
MBA 4th
Page 62
SECURITY:
1. Lease Assets i.e. Engine, Tube well and other related implements (The vendor will
issue receipt in the name of Bank).
2. Charge on Agriculture Land through Agri. Pass Book.
3. One personal guarantee of reputable person acceptable to Bank.
4. Two written satisfactory market checking reports.

50% Margin on Agri land assessed by Surveyor. 25% margin Agri land as per value in
revenue record. The maximum amount of Finance will be allowed upto 75% of the
OastBai Value of land (OastBai is verified by Revenue Officer)
INSURANCE:
The Lessee will arrange comprehensive insurance of implements/assets. Life
assurance of lessee under the Banks charge
REPAYMENT:
10 equal half yearly installments (within five years).
Live Stock Development Scheme
MBA 4th
Page 63
PURPOSE:
Provision of financial facility for purchase of animals (Milk & meat production, cattle
farming, Poultry Farming and Fish farming) to the farmers and non farmers (those who
have their own live stock farm/fish farm for commercial purposes)
ELIGIBILITY:
Sufficient experience to handle Dairy Farm, Cattle Farm, Goat Farm, Poultry and Fish
Farming The persons who have their self owned Dairy Farms for production of milk on
commercial basis).The applicant should be having adequate arrangements to sell out
the products properly e.g. supply contract with milk processing company.
AMOUNT:
80% of cost of animals (Maximum facility can be granted upto 50% of forced sale value
of property).
SECURITY:
Leased Animals (receipt will be issued in the name of Bank).Charge on Agriculture Land
through Agri Pass Book OR Charge on urban immovable property through
equitable/registered mortgage. The property will be cleared by Bank's approved legal
counsel and will be assessed by Bank's and PBA's approved surveyor. Liquid security in
the shape Bank's Fixed Deposited Receipts/DSC/NSC or Regular Income Certificates
MBA 4th
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MARGIN ON SECURITY:
50% margin on landed property (Agri/Urban). 25% margin in case of liquid security
INSURANCE:
The Lessee will arrange comprehensive insurance of Animals. In case of Poultry and
Fish farming Borrower will have to arrange comprehensive insurance of poultry and fish
stock himself form Bank's approved A rated company life assurance of lessee under the
Bank's charge.
MARK-UP:
18% per Annum
PERIOD:
5 Years
Trade Processing Centers
Foreign Trade operations are centralized at The Bank of Punjab and being handled at
10 TPC (Trade Processing Centre) designated branches out of 273 branches country
wide. These Trade Processing Centers are well equipped with modern communication
technology like SWIFT, E-Mail & Fax etc. and manned by staff having expertise in their
field of work. Our non TPC branches route the trade related transactions of their
customers through these designated TPCs. All our TPCs extend full co-operation to the
MBA 4th
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importers / exporters and also provide valuable guidance to execute their transaction in
line with the laid down procedures as per State Bank & Government policies.
SERVICES
Commercial Banking
Corporate & Investment
Cash Management Services
Utility Bills
Lockers
Commercial Banking
The Commercial Banking Group has been formed to cater the needs of small & medium
size customers for increasing Banks business significantly with clear focus,
repositioning of resources and active marketing to improve Banks profitability.
Commercial Banking will deal with customers having sales turnover and aggregate
credit exposure as per benchmarks prescribed in the SBPs Prudential Regulations.
This Groups emphasis will be to meet necessary business needs of customers which
are numerous as compared to CIB clients but their individual credit requirements are
relatively much smaller. In view of this peculiar nature of this business segment that
involves a higher turn over a much wider network is needed. The SME will concentrate
on rebuilding its set up which suits to its peculiar needs on all locations.
Corporate & Investment Banking
This group performs its function through its following two units:
MBA 4th
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CORPORATE BANKING
The BOP Corporate Banking endeavors to market new clients and retain the existing
relationships and build market share by offering superior services, competitive pricing
and wide product range to valued corporate clients including Public Sector Entities
and Multi National Companies. BOP facilitates its customers for all sorts of their banking
needs including working capital, trade finance, BMR and project financing etc. BOP has
worked on some of the local markets largest and most complex transactions and
infrastructure projects.
The BOP Corporate Banking Group comprises of seasoned relationship
management team to meet the demanding service standards of large corporations. The
group delivers a full range of high quality advisory, financing and operational service
solutions tailored according to customers needs.
MBA 4th
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INVESTMENT BANKING
The investment Banking Group is entrusted with the prime responsibility of developing
and executing investment banking strategy to enhance and maximize shareholder
value and customer confidence. IBG specializes in providing innovative and unique
advice to its clients to assist them in meeting challenges in an ever-changing market.
The team of qualified professionals operates under a strict risk management
framework, following best practices within their fields and continuously striving for
excellence.
Investment Banking Unit offers full spectrum of services, which include TFCs,
Syndicated Finances, Structured Finances, Leveraged Buyouts, Project Finance,
Quasi-Equity Products, Independent Advice, Equity Placements, IPOs, Equity
Underwriting, Mergers, Corporate Restructuring, Acquisitions and other products. IBU
also works on and come up with providing Fund Management Facilities.
SERVICES:
BOP provides a wide range of services to meet requirements of its valuable corporate
clients. Few of the services are.
Working Capital Finance including overdraft, FE Loans etc.

Pre and Post shipment Export Financing(PKR and USD based)
Import Financing(PKR and USD based)
LMM Funding
Cash Management Services
Trade Services including Letter of Credit, Letter of Guarantee and Standby Letter
of Credit, etc.
Corporate Centres
CIBG, Head Office, Lahore
CBU Faisalabad
CBU Karachi
CBU Islamabad
MBA 4th
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Corporate Branches
Main Branch Lahore
M.M. Tower Branch Lahore
Railway Road Branch Faisalabad
Quaid-e-Azam Road Branch Multan
Jinnah Avenue Branch Islamabad
Main Branch Rawalpindi
I. I. Chudrigar Road Branch Karach
Cash Management Service
Cash Management is a process of collections & payments on behalf of the Customers

using the Bank Network.The objective is to faciliate organizations with multiple
collection points in gathering Cash / Funds and making them available in the customer
operating Account. Similarly it facilitates disbursement of frequent and or Bulk payment
to multiple locations.
This should be accomplished with minimal supervision by the customer, supported by
an automated system to provide timely and requisite MIS / Reconciliation under agreed
Service Level
Utility Bills
Customers can pay their utility bills e.g. electricity, water gas, telephone, mobile, at any
of our 272 branches across Pakistan. For your convenience bills are collected on all
MBA 4th
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working days from 9:00 am to 5:00 pm (Monday to Friday) except lunch & prayer breaks
and from 9:00 am to 1:30 pm on Saturday.
You can also pay your bills by availing our drop box facility. Just drop your Cheque
along with bill at your branch and collect the receipt in the evening, avoid the hastle of
standing in queues and save your precious time.
BOP Locker
Discover peace of mind, enjoy personalized service and operate your locker in a friendly
and pleasant environment at The Bank of Punjab.
We are offering lockers facility at our following locations/branches:
Locker Size
Annual Fee
Small
Rs.1,200
Medium
Rs.1,800
Large
Rs.3,000
Extra Large
Rs.6,500
Key deposit equivalent to two years rent for respective locker is payable in
advance
Locker holder need to have an account with us.

So put your valuables in a safe place and sleep well
ATM Locations
MBA 4th
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The Bank of Punjab has a network of 67 ATM branches across the Pakistan. To better
guide our customers, we have made the listing of all the branches. Click on the city and
get a look on all the ATM branches in that city.
Lahore
Islamabad
Rawalpindi
Faisalabad
Multan
Gujranwala
Sialkot
Sheikhupura
Gujrat
Sargodha
Muridhke
Kasur
Mianwali
Depalpur
Lalamusa
WahCantt
Sahiwal
Jauharabad
D.G Khan
Layyah
Peshawar
Abbottabad
Karachi
Bahawalnagar
Chiniot
Attock
Bhakkar
Jhelum
Kamoke
Peer
Mehal
Ranjanpur
Muzaffarg
arh
Vehari
Hyderaba
d
Quetta
1Link Network
The Bank of Punjab Debit Card could be used in an 1-Link network as well as in M-Net
network. Customer areadviced to use 1-Link network. In Pakistan, the 1-Link ATM
facilities can be availed at any of the following banks and locations:
AlBaraka Islamic Bank Limited

Allied Bank Limited
Askari Commercial Bank Limited
Atlas Bank Limited
Bank-al-Habib Limited
Bank Alfalah Limited
Bank Of Khyber
Bank Of Punjab
Bank Islami Pakistan Limited
Barclays PLC
Dawood Islamic Bank Pakistan Limited
MBA 4th
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Dubai Islamic Bank Pakistan Limited

Emirates Global Islamic Bank Limited
Faysal Bank Limited
Habib Bank Limited
HabibMetropolatin Bank
ArifHabib Bank
Kashf Microfinance Bank
JS Bank
KASB Bank
Mezzan Bank Limited
My Bank (Bolan bank)
National Bank of Pakistan
NIB Bank Limited
RBS (Royal Bank of Scotland)
Samba Bank (Formally Crescent Commercial Bank Limited)
Silk Bank Limited
Soneri Bank Limited
Standard Chartered Bank
Tameer Microfinance Bank
United Bank Limited
SUGGESTIONS
The suggestions for the findings from the study are follows:
MBA 4th
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Non financial incentive plans should also be implemented; it can improve the
Productivity level of the employees
Organization should give importance to communication between employees and
gain
Co-ordination through it Skills of the employees should be appreciated.
Better carrier development opportunities should be given to the employees for
their
Improvement
If the centralized system of management is changed to a decentralized one, then
There would be active and committed participation of staff for the success of the
OrganizationSWOT Analysis
SWOT analysis is one of the most important steps in formulating strategy
using the organization mission as a context; managers assess internal
strengths distinctive competencies and weakness and external opportunities
and threats. The goal is to then develop good strategies and exploit
opportunities and strengths neutralize threats and avoid weaknesses.
SWOT analysis is an acronym that stands for strengths, weakness, opportunities, and threats
SWOT analysis is careful evaluation of an organizations internal strengths and weakness as well
as its environment opportunities and threats.
SWOT analysis is a situational which includes strengths, weaknesses,
opportunities and threats that affect organizational performance.
In SWOT analysis the best strategies accomplish an organizations mission by:

1. Exploiting an organizations opportunities and strength.
MBA 4th
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2. Neutralizing it threats.
3. Avoiding or correcting its weakness.
INTERNAL ASSESSMENT:
STRENGTH:
The Bank of Punjab has lack of staff members than the required staff
level but its performance level is high as compared with its staff level.
As a result of the compassionate and personalized services of the officers, the clients
perception for BOP is very high. They have trust and feel themselves to be secure while
dealing with BOP.
BOP has opened all its branches at commercial areas so that the
customers or clients face no problems in reaching to the bank
The Bank of Punjab T.T.Singh branch is one of the busy branches in the
Distt.
The Bank of Punjab is 4th largest branch in region according to
investment (more than 600 Million) as there are 46 branches in region.
The BOP T.T.Sing Branch is the Ist largest branch in the District as there
are four branches in the Distt.
One employee in the bank performs many duties.
All staff members are well educated i.e. they hold masters degree e.g.
M.com, MBA etc
There is also improvement in corporate loans and consumer loans.
All staff members treat their account holders/general public with well
behavior.
Punjab bank T.T.Singh Branch is business wise best branch.
MBA 4th
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Bank has higher level of deposits if we compare with other banks.

Deposit wise its number is 6th in Pakistani Industry.
As it is business wise busy branch so its profit after tax has become
17% higher than previous year.
In Punjab bank, there is computerized system so performance
automatically has been increased having better results.
Compliance all risk mitigation policies and procedures. The banks
management realizes the necessity of existence of effective internal
controls to ensure smooth operations in current technical and swift
business environment.
The management feels confident that all internal controls procedures
are adequate to effectively and efficiently meet the operational
requirements.
Comprehensive risk management policies for credit, operational and
market risks are being implemented. Necessary steps have been taken
to ensure effective monitoring of risks and to observe compliance all
risk mitigation policies and procedures.
The Bank officers of BOP are considered as one of the most able
professionals in the banking world (some belong to BCCI). However,
they have added some local flavor in accordance with their targeted
segmented. In my observation that they interact with their clients as if
they are their personal friends and discuss about their problems as
their own.
Good security system, diversification of investments, foreign reserves.
Not excellent but good facilities are given to employees.
WEAKNESS:
MBA 4th
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Level of bad debts is improving at higher level.

There is yet no ATM machine in Punjab bank T.T.Singh Branch.
There is also lack of workplace in the Bank.
Lack of proper internal controls is one of the major weakness of BOP. It is also pointed
by the auditor in his review.
BOP has formulized a lot of products and services for its customers, even more than other
commercial banks, but any advertisement on electronic media has not been seen.
I observed during my internship that some of the employees were burdened with over
work. So I think that the work should be distributed according to their post and
capabilities.
As each staff member performs many duties in one time so this
capture extra time which can slows down the performance.
Due to lack of workplace, staff members as well as the general public
face disturbance in the bank.
There is no corporate credit department in theT.T.Singh branch.
Biased selection of employees.
EXTERNAL ASSESSMENT:
ENVIRONMENTAL OPPORTUNITY:
The
Bank
of
Punjab
compete
its
competitors
by
encouraging
agriculture loans. So in such a way it plays an important role for

promotion of agriculture sector.
All the opportunities of the 21st century are to be availed in the information technology.
Information technology is the future of this dynamic world. Therefore BOP should
emphasize much on IT, especially on E-Banking. Bank can design a universal account
like other foreign banks, to enhance online facilities.
MBA 4th
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Bank also encourages industrial sector. So in such a way most of

industrialists deal with Punjab Bank as a result Bank maintains large
size of deposits.
However the year 2008 will prove to be another challenging year for
the
bank
with
scattered
opportunities
and
tough
competition.
Diversification, innovation and mission driven approach are the key to

success.
Management of the bank is committed to continue its efforts for

outstanding performance. Improvement in stakeholders value shall be
ensured through progressive but cautious business expansion with
strategic branch network extension and introduction of innovative
products in all areas of business.
BOP has introduced a number of financial schemes including special Deposit Accounts.
These accounts have their unique features. During the last three years, BOP deposits have
been increasing @ 40%, which is a very healthy sign. Therefore, with the commencement
of new schemes there can even be a greater increase in its deposits.
Great opportunity of starting Islamic banking system.
ENVIRONMENTAL THREAT:
Currently The Bank of Punjab is facing major threat in Pakistan that is

private businessmen do not prefer the Bank of Punjab due to the
standard as compare to private bank.
BOP is facing a strong competition by its competitors, Business of all
these Banks are growing at very high pace.
Despite the difficult circumstances that confronted the banking sector in particular and
the country in general, BOP has been still highly profitable. But, the facts cant be denied
MBA 4th
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and there might be an adverse impact of such situation. In recent Hameesh Khan
(Previous President Fraud) is an example.
Low security, economic and political instability.
CONCLUSION
While making an analysis of The Bank of Punjab, as a financial institution, we

find that this institution came into existence in pursuance of Bank of Punjab
Act, 1989 passed in the legislative Assembly of Province of Punjab. In the
short span of about 15 years, it becomes the fifth largest bank in the county
with 272Branches net work all over the country. I have suggested some
recommendations in the light of ratios and SWOT analysis. BOP has negative
working capital in all the three years so it is essential to increase current
assets and reduce investment in fixed assets.
While having an opportunity to go for internship at the branch, I have
observed the following reservations:The Branch is housed in small a banking premises which does not suffice the
requirements of visiting clientele as well as corporate clients of the Bank. By
having a glance over the current business of the branch, the same should
immediately be shifted to some spacious building so that best banking
services can be offered to the bank customers. Moreover, though the branch
is automated yet required number of PCs etc has not been provided
resultantly, the staff has to wait their turn to accomplish their daily job.
Finally there is a immediate need for ATM Machine at present era.
MBA 4th
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Reference and Sources Used

Web Sites.
www.bop.org..com
www.bop.org.pk
www.google.com
www.scribd.com
www.pba.com.pk
www.brecorder.com.pkEconomic review of Pakistan
http://en.wikipedia.org/wiki/Bank_of_punjab
www.bop.com/prducts/48
www.bop.com/products/35(https://www.bop.com.pk/index.php
https://www.bop.com.pk/Financial/AnnualAccounts.aspx
www.sbp.com.pk
www.bop.com.pk
http://www.antiessays.com/free-essays/74909.html
MBA 4th
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http://www.scribd.com/doc/51440815/4/Business-Volume
MBA 4th
Page 80

Internship Report On Bank of Punjab

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INTERNSHIP REPORT ON

Program & Session

Who have been a great source of love,

of a responsible corporate citizen playing a pivotal role in economic and

PROFIT LOSS SHARING CHEQPNG

Senior Citizens Saving

Kisan dost scheme.

About Bank of punjab

To be a customer focused bank with service excellence"

Punjab Government Shows Faith in Bank of Punjab

Our Customer As our first priority

improve and succeed.

Awards & Achievements

Excellence Award by the Central Board of Revenue

In recognition of Bank's contribution in development and growth of agricultural sector,

16th Bolan Excellence Award

it in order to meet its book keeping/administration requirement. However, intimation of

classified as inoperative. This entails certain restrictions on the operation of such

For Existing Account Holders

BOP Basic Banking Account

BOP TIJARAT ACCOUNT (LCY) :

MINIMUM MONTHLY AVERAGE BALANCE

Issuance of ATM/Debit Card

Renewal of ATM/Debit Card

Issuance of Cheque Book

Issuance of Duplicate A/c Statement

Rental Charges for Lockers

Free - Locker of your choice subject to

Key deposit for lockers

Commission in Outward Bills for

Free - on equal to thrice of last months average

Cheque return charges for cheques

Call Deposit Receipt

INCENTIVE PACKAGE FOR BOP FCY SUPREME CURRENT A/Cs

MINIMUM BALANCE $ 10, 000 OR

Renewal of ATM/Debit Card for Pak Rs. A/c

Issuance of Cheque Book

One per month

Issuance of Duplicate A/c Statement

Lockers (small / medium) *

01 Allowed with same title (at any

Outward Bills for Collection

CD account in PKR, with same title

Free Cancellation of DD/PO/MT/TT/CDR in

CD account in PKR, with same title

No Cheque Return Charges - for cheques

CD account in PKR, with same title

No key deposit for lockers

For Free Locker, mentioned above

Free Issuance of DD/ PO/ MT/ TT/ CDR in

Rs. 5/- flat per transaction

On Line Transactions from PKR account

Rs. 5/- flat per transaction

2. In order to further facilitate the managers in targeting customers, it will be at the

Profit Loss Sharing Term Accounts

Minimum deposit is Rs.50,000/

CORPORATE PREMIER TERM ACCOUNT

MUNAFA HI MUNAFA TERM ACCOUNT - III

Main terms & conditions are as follows:

Minimum deposit is RS.100,000/No Maximum deposit limit

Profit Loss Sharing Chequing Accounts

Profit payable or Loss recoverable on PLS Saving Accounts to be credited or debited

SENIOR CITIZENS SAVING ACCOUNT