Beruflich Dokumente
Kultur Dokumente
FINAL PROJECT
FIRST DRAFT
TO:
MR. IRFAN MEHMOOD
FROM:
ALLIED GROUP #10
M. MOBASHAR ALI 08117032
ASIF MEHMOOD 08117033
IMRAN KHAN 08117043
SALMAN‐UL‐MUSTAFA 08117044
GIFT University MBA (Banking & Finance)
Section A
OVERVIEW OF NBP
OVERVIEW OF NBP
•NBP has authorized capital 1,000,000,000 shares of Rs. 10
each.
each
•The Federal Government and SBP held about 75.60%
shares of the bank as at 31.12.2008.
•NBP maintain its position as Pakistan
NBP maintain its position as Pakistan’ss premier bank.
premier bank
•It specially emphasis on fostering Pakistan’s economic
growth through
•Aggressive
•Balanced lending policies
•NBP also handles treasury transactions for the
Government of Pakistan as an agent of the SBP.
g
•Currently, NBP has 1276 branches with 29 regional
offices.
•NBP enjoys highest Credit rating ‘AAA’ assigned by the
j y g g g y
M/s JCR‐VIS Credit Rating Company Ltd.
/ d d
COMPLIANCE OF STAEMENTS
•International Financial Reporting Standards
International Financial Reporting Standards
(IFRS)
•Islamic Financial Accounting Standards (IFAS)
Islamic Financial Accounting Standards (IFAS)
•Requirement of Companies Ordinance 1984
•Banking Companies Ordinance 1962
B ki C i O di 1962
•As per the notice of SECP IFRS‐ 7 “Financial
i t
instruments Disclosure” has been made
t Di l ”h b d
applicable.
•And according to the circulars of the SBP.
d di h i l f h S
Excellence in Direction
To be recognized as a leader and a brand
synonymous with trust, highest standards
of service quality, international best
practices and social responsibilities.
Excellence in Value
NBP will aspire to the values
NBP will aspire to the values
that make NBP truly the
Nation’s Bank, by: •Maximizing stakeholder’s value
a g sta e o de s a ue
Institutionalizing a merit and •Discharging our responsibility
performance culture. as a good corporate citizen of
•Creating a distinctive brand
Creating a distinctive brand Pakistan and in countries where
Pakistan and in countries where
identity by providing the highest we operate
standards of services
•Adopting the best international
Adopting the best international
management practices
Excellence in Ambition
•Highest standards of integrity
•Institutionalizing a team network and performance
g p
culture
•Excellence in service
•Advancements of skills for tomorrow
Advancements of skills for tomorrow’ss challenges
challenges
•Awareness of social and community responsibility
•Value creation for all stakeholders
Excellence in Growth
To enhance profitability and maximization of NBP
p y
share through increasing leverage of existing
customer base and diversified range of products
Sixty Years of Excellence
NBP was awarded in 2008:
•Bank of the Year (2008)
•World’s best Foreign Exchange Bank (2008)
COMPETITORS OF NBP
COMPETITORS OF NBP
Public Sector
•First Women Bank Limited FWB
•The Bank of Punjab BOP
COMPETITORS OF NBP (Cont )
COMPETITORS OF NBP (Cont.)
Private Sector
Private Sector
•My Bank Limited •Allied Bank Limited
•Bank Al‐Falah Limited •Atlas Bank
•Bank Al Habib Limited •Habib Bank Limited
•Askari Bank •Saudi Pak Bank Limited
•Faysal Bank Limited
•Metropolitan Bank
Limited
•Muslim Commercial
Bank Limited
O G
ORGANIZATIONAL HIERARCHY CHART
O C C
Structure
PRESIDENT
BOARD OF DIRECTOR
MEMBER EXECUTIVE BOARD
REGIONAL CHIEF
REGIONAL CHIEF
ZONAL CHIEF
BRANCH MANAGER
ORGANIZTIONAL HIRARCHY CHART
ORGANIZTIONAL HIRARCHY CHART
HEAD OFFICE
HEAD OFFICE
Credit Sanction
Corporate
Banking De CEO
Credit
Foreign
Foreign Administration
Trade Human
DEPARTMENTS Resource
Accounts
Operations
Finance
Investment &
Treasury
IT
Internal Div
Audit & & FTPC
Inspection
Administration
Administration
Agriculture
SERVICES OFFERED BY NBP
SERVICES OFFERED BY NBP
Monthly Income Scheme
•Amount of investment required from Rs. 20,000/‐ to Rs. 5,000,000
•Investment period is 5 years
•Free Demand Draft, Pay Order and NBP Online Aasan Banking
•Free Cheque Book / NBP Cash Card (ATM + Debit)
•Profit paid every month as follows:
PERIOD PROFIT RATES
1ST year 7.50 %
2nd year 8.50 %
3rd year 9.50 %
4th year 10.50 %
5th year 11 %
•Financing facility available up to 90% of the deposit value
•Premature encashment will attract penalties
•Zakat and withholding tax will be deducted as per rules
SERVICES OFFERED BY NBP
SERVICES OFFERED BY NBP
PLS Saving Account
•Minimum saving balance of Rs. 20,001 and a
maximum balance of Rs. 300,000
•Free NBP Cash Card (ATM + Debit)
F NBP C h C d (ATM D bit)
•Two debit withdrawals allowed in a month and no
limit on number of deposit transactions
limit on number of deposit transactions
•Profit calculated monthly and paid on half yearly basis
SERVICES OFFERED BY NBP
SERVICES OFFERED BY NBP
Another step towards your prosperity
President's Rozgar Scheme,
if you are aged between 18 and 45
if db d
years, you could be eligible for easy
financing for self employment in
the categories below:
the categories below:
NBP Karobar Utility Store
NBP Karobar Mobile Utility Store
NBP Karobar Mobile Utility Store
NBP Karobar Mobile General Store
NBP Karobar Transport
NBP Karobar PCO
NBP Karobar
NBP Karobar Tele‐Centre
SERVICES OFFERED BY NBP
SERVICES OFFERED BY NBP
Product Items Home Purchase Home Construction Home
R
Renovation Purchase of Land + Construction Balance Transfer
ti P h f L d + C t ti B l T f
Facility (BTF)
Home Purchase (House or Apartment) * Financing Amount
Upto 35 Million Financing Period 3 to 20 Years Debt to Equity
85:15 (Maximum)
85:15 (Maximum)
Home Construction * Financing Amount Upto 35 Million
Financing Period 3 to 20 Years Debt to Equity 85:15 (Maximum)
Home Construction * ‐ Product Detail Financing Amount Upto
35 Million Financing Period 3 to 20 Years Debt to Equity 85:15
(M i
(Maximum) )
Home Renovation * Financing Amount Upto 15 Million
Financing Period 3 to 15 Years Debt to Equity 80:20 (Maximum)
Purchase of Land and for Construction thereon * Financing
Amount Upto 35 Million Financing Period 3 to 20 Years Debt to
Amount Upto 35 Million Financing Period 3 to 20 Years Debt to
Equity 80:20 (Maximum)
Re‐Financing (Balance Transfer Facility (BTF)) * If you have a
Home Finance Facility outstanding with another bank you can
have it transferred to NBP through a hassle‐free process.
SERVICES OFFERED BY NBP
SERVICES OFFERED BY NBP
Take upto
Take upto 20 advance salaries
20 advance salaries
(currently for NBP account holders of govt. or related organization
employees).
National Bank of Pakistan (NBP)
National Bank of Pakistan (NBP)
NBP Advance Salary , the leading personal loan product of the country, is
maintaining its inimitability ever since it was launched. This was only
possible due to its swift growth and remarkable loan disbursement of over
138 billi
138 billion.
You can avail up to 20 net take home salaries with easy repayment
installments. Its hassle free acquisition with no prior formalities and easy
y
availability in a short turn around time are attributed as the most
distinguishing features of the product. The product is offered countrywide
SERVICES OFFERED BY NBP
SERVICES OFFERED BY NBP
Shop to your heart's desire!
NBP CashCard
NBP CashCard is an 24
is an 24‐hour
hour direct access ATM/Debit card to
direct access ATM/Debit card to
your bank account, which lets you pay directly from your
account as an alternative payment method to cash. The
transaction is authorized and processed by entering PIN. The
NBP CashCard holders are able to transact at any of the 4000 +
Merchants where Orix logo is displayed and can withdraw cash
Merchants where Orix logo is displayed and can withdraw cash
from NBP, 1‐Link & M‐NET ATM’s across the country.
Advantages
• You won't need to carry a lot of cash with you every time you
go out.
t
• Secure and Safe transaction.
• Account Information on tips (like: Mini Statement, Balance
Inquiry, Utility Bill Payment etc.)
• Enable To Withdraw Cash From 1‐Link ATMs / MNET ATMs
Enable To Withdraw Cash From 1‐Link ATMs / MNET ATMs.
• Enable To Make Purchases From Around 4000 POS
(Merchants) Countrywide including 2500+ POS in Karachi.
• No Card Issuance Fee for first 12 Months
SERVICES OFFERED BY NBP
SERVICES OFFERED BY NBP
Financing Facility for
Retail Investors
Retail Investors
• Product Information
Financing Amount: Rs.50,000/ ‐ To Rs.10,000,000/‐
Equity Requirement: In the Form of Cash or Shares or Both (Currently Minimum Rs. 215,000/‐ @ 30%)
Shares: As per NBP Approved List Available. Shares In Physical Form Not Acceptable.
Trading: Allowed Only Through Trading Centers Created by NBP and Operated by Taurus Securities Limited (A Subsidiary of NBP)
Pricing
Fixed Price At The Time of Facility Sanction, Currently 6 Month Kibor + 3% (Per Annum)
Requirements Photograph of Applicant
• NBP Account ‐ Current or PLS
• Marginal Financing Application Form
• Copy of CNIC
• Copy of CNIC of Two (2) References
• Borrower Basic Fact Sheet
• Duly Filled In Statement of Assets & Liabilities
• List of Shares, Given as Margin (Optional)
SERVICES OFFERED BY NBP
SERVICES OFFERED BY NBP
Get extra benefit from your gold
• With NBP's Cash n Gold, you can
meet your need for ready cash
against your idle gold jewelry.
• Rate of mark‐up 13% p.a. Facility of
Rs. 10,000 against each 10 gms of
net contents of gold No maximum
net contents of gold No maximum
limits of cash Repayment after one
year Roll over facility Only gold
ornaments acceptable Weight and
quality of gold to be determined by
quality of gold to be determined by
NBP's appointed schroffs No
penalty for early repayment
Meet your need for ready cash against
your idle gold jewelry with no
minimum limits
SERVICES OFFERED BY NBP
SERVICES OFFERED BY NBP
SERVICES OFFERED BY NBP
SERVICES OFFERED BY NBP
NBP KISAN DOST
SERVICES OFFERED BY NBP
SERVICES OFFERED BY NBP
Pakremit is an internet based Home Remittance Service.
is an internet based Home Remittance Service
This service is available to U.S. residents for sending money
to their family and friends in Pakistan. One must have a valid
US Dollar account with a U.S. bank or a US Dollar credit or
debit card in order to remit funds through this channel.
Remitters in USA can log on to our user friendly website,
www.pakremit.com and easily remit funds to Pakistan from
the comfort of their homes, in a matter of minutes.
The service is fully secure with advance encryption
application and is available for use 24 hours a day, 7 days a
week. Fees and exchange rate have been set at competitive
k d h h b
levels and the remitters have the ability to track delivery of
funds as well.
SERVICES OFFERED BY NBP
SERVICES OFFERED BY NBP
Insurance Coverage In case of Accidental Death (Including death due to *Riots,
*Strikes, *Civil commotion, *Acts of Terrorism and Natural Calamities like Flood,
Earth Quake, Cyclones etc).
Coverage of Rs. 200,000/‐ for Rs. 20/‐ per month
Definitions: *provided the insured is not directly involved in these activities
"Accident” means unintentional, unfortunate or a harmful event by chance or
apparent cause.
Accidental Death
“Accidental Death” means death due to accidental injuries, but not illness.
means death due to accidental injuries but not illness
“Insured Person” means a National Bank of Pakistan PLS account holder, aged
between 18 years and above, and whose premium is deducted & details are
reported to the selected insurance company by NBP.
Policy means Group Personal Accident Policy dated 26/09/05 executed between
“Policy” means Group Personal Accident Policy dated 26/09/05 executed between
NBP and Insurer.
“Principal Sum” means the amount stated in the Policy’s Schedule of Benefits as
respects each Insured Person.
YEARS OF PERFORMANCE
YEARS OF PERFORMANCE
Y
Year 2003 2004 2005 2006 2007 2008
Return on assets Pretax Profit 2.00% 2.40% 3.40% 4.30% 4.00% 3.00%
Number of Branches 1,199 1,226 1,242 1,250 1,261 1,276
Number of Employees 13,272 13,745 13,824 14,019 14,079 15,204
REASONS TO JOIN NBP
REASONS TO JOIN NBP
• NBP is the only bank that offering pension plans to
y gp p
its employees after retirement.
• It has a greater social responsibilities and to the
community as “THE NATION’S BANK”.
“ ’ ”
• We feel job security after joining NBP.
• Being a Government Bank, provide medical (full),
B i G tB k id di l (f ll)
utilities allowance to its employees.
• NBP has providing training to its new employees that
NBP has providing training to its new employees that
was also shows by the increase in operating
expenses of year 2008.