TABLE OF CONTENTS

Executive Summary

Acknowledgement ... III

Objective of Study ... IV
Introduction .

History of Banking .. 1
Definitions of Banking 1
History of Banking in Pakistan ...

Overview of National Bank of Pakistan .. 3

Vision ..

Mission Statement ..

Values .. 5
Objectives 5
Organizational Structure .

Board of Directors ... 7

Senior Management Group .

Organogram of National Bank of Pakistan .

10

Nature of National Bank of Pakistan ... 12

Branch Network of National Bank of Pakistan ... 12
Products of National Bank of Pakistan ...

13

Deposits ... 13
1) Current Deposits ... 14
2) PLS Saving Deposits 14
3) Fixed Deposits Account (Time Deposits) 14
4) Foreign Currency Account ... 15
5) NBP Premium Aamdani ... 15
6) NBP Premium Saver

15

7) National Income Daily Account (NIDA) . 16

Advances .

16

1) NBP Saiban ..

17

If you need any kind of help you can mail me at : Farhan.najum@gmail.com

2) NBP advance Salary . 17

3) NBP Cash & Gold 17
4) Student Loan Scheme ... 18
5) NBP Karobar-President' Rozgar Scheme . 18
a) NBP Karobar Utility Store .. 19
b) NBP Karobar Mobile General Store ... 19
c) NBP Karobar Transport .. 19
d) NBP Karobar PCO .. 19
e) NBP Karobar Tele-Center ..

19

Commercial Finance ...

20

1) Cash Finance

20

2) Running Finance/ Overdraft . 20

3) Demand Finance ... 20
Remittances .

20

1) Demand Draft ... 21

2) Travelers Cheques 21
3) Letter of Credit . 21
4) Foreign Remittances . 22
5) Swift System

22

6) Mail Transfer 22
7) Telegraphic Transfer

22

8) Pay Order .. 22
9) NBP Cash Card

23

10) International Banking ... 23

Branch Introduction . 24
Branch Structure .. 25
Layout of NBP Main Branch Vehari ... 26
Departments of the Branch .. 27
Account Opening Department . 27
Cash Department . 29
Deposits Department ... 31

If you need any kind of help you can mail me at : Farhan.najum@gmail.com

Computer Department . 32
Advance Department ... 33
Government Department . 34
Remittance Department ... 36
Clearing House Department 37
PEST Analysis . 39
SWOT Analysis ... 42
Financial Analysis ... 45
Financial Highlights ....

47

NBP Balance Sheet .

52

NBP Income Statement ...

53

Horizontal Analysis (Balance Sheet) ..

54

Horizontal Analysis (Income Statement)

55

Vertical Analysis (Balance Sheet) ... 57

Vertical Analysis (Income Statement)

58

Ratios Analysis 60
Profitability Ratios 60
Net Profit Margin .. 60
Gross Profit Margin ..

60

Assets Turnover 61
Return on Capital fund .

61

Return on Investment 62
Return on Deposits ...

62

Liquidity Ratios ... 63

Current Ratio

63

Cash Ratio . 63
Advance to Deposit Ratio . 64
Working Capital 64
Debt Ratios .. 65
Debt to Equity Ratio .

65

Interest Coverage Ratio

65

If you need any kind of help you can mail me at : Farhan.najum@gmail.com

Loan loss Coverage Ratio . 66

Operating Performance Ratios

66

Fixed Assets turnover ...

66

Revenue Per Employee . 67

Critical Analysis .. 68
Suggestions .. 69
Conclusion ... 70
References ...

71

If you need any kind of help you can mail me at : Farhan.najum@gmail.com