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National Bank of Pakistan

The Process of
Deposit Mobilization

Prepared By: Muhammad Yasir


The Process of Deposit Mobilization

What is Deposit?
Deposit is a claim of customer over the bank on
his account.

How Banks Mobilize Deposit?


Making Finances
Investing in various financial markets
The Process of Deposit Mobilization

Purpose of Bank Financings/ Lendings:


Positive Return on Loan
Provision of Working Capital
Shifting of funds into Productive Hands
Strengthening Industrializations
Backbone of National Economy

Lending Products:
Running Finance
Cash Finance
Demand Finance
Consumer Finance
PAD
The Process of Deposit Mobilization

Investment in Financial Markets:


The investment functions are usually
performed by Treasury Office of the bank.
Treasury invest deposit for:

Ensuring optimum utilization of


available resources.

Rising additional resources required for


meeting credit demands.

Managing market and liquidity risks.


The Process of Deposit Mobilization

Investment Markets

Foreign Exchange
Money Market Capital Market
Market

1. T.Bills and Govt. Securities 1. Equities e.g. shares and 1. Spot Transactions
2. Bonds of Provincial Govt. 2. Mutual Funds 2. TOM Transactions
3. Defense Saving Certificates 3. Bonds 3. Outright Transactions
4. Mutual Funds etc. 4. Debt Market 4. Swap Transactions
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