Sie sind auf Seite 1von 18

c

CASE STUDY
NATIONAL BANK OF PAKISTAN
About National Bank of Pakistan:

National Bank of Pakistan O  ccc c   c


O
c c 
O c
c  c 
c  
c c   O c c c  c O 
c  c 

c 
c  c

O c c   c c   c O c c 
c    c Oc 
c

c 
 c  c   c   c  c   c 
  c 
 c  c

 c 
c 
c c 
 c  
c c
 c  c 
  c  c


   c c

We aim to be an organization that is founded onǥ


uc 
c
c
cc   c
 cc
cO
c
uc 
  cc c
c  c c
uc Êc  c
  cc c
cc
 cc
cOO c

We shall work toǥ


uc £ c   c
c£
   cc  c
 c
uc è 
c 

 
 c 
c
uc 
 c  c
c c  
c

We aim to be people whoǥ


uc 
c c
 c
uc à c
c c
cc
cOOO c  c cc  c
uc 
 c 
c c  c
c
c c   c c  c
cO 
cc

 c c

We have confidence that tomorrow we will beǥ


uc à
cc
c 
c
uc Êc
  cO  c c
cc  
c
uc Êc  c
 c  c  Occ
 cc c c c
c c
 c  c 
 c 
O c
c
£ission Statement:

Y  

   



 

   
   



 
 


 



    


    

Vision Statement:

Y 
 





 
 
 
  

 
 


 
     



c
Core Values:c

!c Occ c c


  c cc c"c

uc 
c
c
cc   c
 cccO
c
uc £ c   c
cO
   cc  c
 c
uc è 
c 

 
 c 
c
uc 
 c  c
c c  
c
c
!c Occ c  c"c

uc 
c c
 c
uc à c
c c
cccOOO c  c cc  c
 


    cc c   c c  c
cO 
cc
 c c

NBP   c  c cO

cm cc "c

uc à
ccc 
c
uc Êc
  cO  c c
ccc  
c
uc Êc  c
 c  c  Occ
 cc c cc c
 cc
 c 
 c 
O c

Objectives:
#
c O c  c c   c c 
c c
c 
c c 
c $c  Oc 
c
O
 cc
 c c
 cc
c !cccc
  cO
c c

 cc c  cc cO c  cO
cO
 c
cO
c c%  c

c c"c

Äc ? c
c
Äc 
 c c
Äc  c 
c
Äc £  c cc
c
£ilestones:
c

uc 6! c&O
c£
 c! c
Oc  'c
c c
c())*cc+ c,  -c.#Êc
£ c())*c
uc !cc cc c6%c/))c! ccÊ 'c+&
cO -c.0c£
c())*c
uc ! cc c
c())/c())12())3c
c  c+% c! 
-c  cO c
c
.0c
uc ! c,
c&  c! cc  c+ c,  -c.#Êc£
c())3c
uc ÊOc %c /)))c ! c c  c 
 c  c O
c /c c   c + c ! 
-c
,  c%O c
c.0c4c())*

Organizational Setup at Head Office:



 cc  c! cc  cc c c5 c&  cc cc  cc

 c c cc
c 5 
O  c "c

‰c ›
c
c6 c
‰c ,  c
c6 c
‰c 

 c  c O c! c
c6 c
‰c èc£   O c6 c
‰c OO
 c2cè  c! c6 c
‰c Ê c2c c6 c
‰c 6 c%c c?  O c  cO O  cc
‰c 6 c#
 c c2c&Ocè 
ccc
‰c 6 c#  cÊ c  cè O  c£   O c
‰c 6 cc6èc£   O c? 
O 
‰c 6 cc›
  c?  O c2c%
c? 
O 
‰c ›
 cè  c c6
Organizational Chart:

 c£  

£  
c £  
c  c
£  
c

c 
c O  
c
O 

  
 


£  
c £  
c
£  
c4! Ê c
,&7 Ê O
 

cc c

c
$



,&7 è  
?  
O

! ? 
&


 ? c#
è O 
.  # 

,5cÊ5
Ê # c
   

c
 
Spontaneous Financing in National Bank of Pakistan:
Accounts Payable:
Deposits:
! c  c  cc
  c
c% c c  c c c
c
c
c
 cc

cc 
c 
cO
c !c
 c
c
c cc
c O
c c 
c 
c   c 
Oc  c O
c c c
 c c 
c  c
O  c   c c c
c
 cc
cc c   c  c  c
Oc% c c
c  c   c c c  
c   c  c c  c  c  c   c

 c c

  c c  c
c
  ccc
Occ cO ccc  c

 c  c
 cc 
c
ccc!c c  c c c c c c c
  c c c

Oc cO
c O c c

c  c c c c 
c c c c
  c c
Oc c c c c 
c c O c  c 
c c c c O c 

c  c c c c
Oc 

  c !c 
c c c Oc 
O c  c  c Oc  c  c c
  c c c c cc 
cc O  c
c c 
c c  cO c

% cc cc 
c
c
 cc c 
O "c

Ac # cà 
cc
Ac 

cà 
c
Ac 
c  càc#
cà 
c
Ac , c? cè 
cc
Ac  c!c
Ac ? c
c  càc#OO
c!c
Ac ÿ
cè 
c
Credit:
cO c c  c c Dz% c  cc c  c 
 c  cO c Occ c
 cc
  c
c c
O cc cc
. Dzc
% c Oc O
 c c c  c c c  c 
c c 
c c  c O
c !c

 c 
c 
Oc  c c 
Oc  c 
c O c  c 
  c 
c % c
 cO c c 
c cc c c c c O  cc c cc c
 c  c

 c Oc


c c c 
c 
c c 

c  c OO c c  c !c
O cc cc c  c
O c c  c cc c
cO  
c
£  
c c
c c
cOcc cO
ccc c 
cOc 
 c
c  c 
c  c  c c 68c 
 c  c  c c  c  c  c  O c c
 $ c c  c
O
c c c  c cc  c c c c  c
cc
O


Discounting bills of exchange:


?cc cc 
 c  c   c 
c   c c  
c O
 c
 c  c c
 cc
cc c c c Oc $ cc c  c  c 
c c
c c c


cO
 c
 c
c c
 c%c c cc cO 
c%cc cOOc c c

c c c
cc  cc c cc c$ c
Oc

Accrued Expenses:
% c c  c  c 
 c c c c 
c 
 c   c c %  c  Oc
c


cc 
 c   c   c c c  cc c

 c cc c
c c  c   c   c c Êc !c c c  c 
  c  c   c c

c cc 
 c

c !c c
 c   c
c
c
 cc
c

c  c
c  cO c% c
c c cc c cc c Occ c
cc
 c
O c

c
Negotiated Financing in National Bank of Pakistan:
, c c  c c c    c c  
c  c OO
 c c   c
c 
c c
c  c c6   c 'c   c
O c
c

O c  c 
c c 
 c OO
 c 
c %

c c 
c c 
c  
c
 c 
c c
c c
c   c c

Foreign Services provided by NBP:

,cc cccO 
c
c
 c
 c c !cccO
c

Äc ?O 
cà 
cc
c
Äc !cc  c
Äc ,
c#
 cccccccc
Äc !c
c c
Êc
 c 
ccc  c  c
 cc c
9c

Documentary Letter of Credit:


Êc O 
c 
cc
cO c c  c c c 
c c c c c c
c  cc cO

cc 
cc c 

cc c c c c
c
c

c 
c c c c 
c 
 c  c  c 
Oc  c  c c O  c

cc
c cO ccc
 cc c O 
c
c cc c
c O 
c 
cc
c
c
c c !9c

†c è   càc
†c 

  càc
†c 
O càc
†c %

 càc
†c ! cc càc
†c #  c càc
†c #càc
†c .  cà
Bills for Negotiation:
c O c   c  c 

c c c c c  c 
c  c 
 c c  c c c

O ccc  c 



c
$ c c ! cc   c c c c c  c c
O cc! ccc  c! c  O c c O c  c

 c Occ c

$
O c O  c c  c à 
c c 
c  c c   c c  c c  c


c c ! c  c  c
c c  c  c 
 c c c c  c 
Oc  c
O

-c ! c !c 

Oc  c c c c  c 

-c  c  c O

-c
! c c
ccO
-c c

Bills for Collection:


% c 

c  c c
  c  c O c 
Oc  c 

c  O c  c
  c  Oc c  c O

-c c % c O

c c c 
Oc   c c 
c  c

$
O c   c c  c  
c c 
c c  c 

c  c  c Oc 


Oc  c
O
c  c c 

cc c c c
 ccc O c  cc c  cO  c
 cc O cc c 

c c

Pay Order:
!c
 c 
c
cc

c
cO cc
c  cc !c c

c

c c 
c  c c ccO c
cO c
Oc c  cc 
ccÊ c c c
!c
 c
cc
 c
c 
O cO  c% c
 cc !c
c
cc c

c  c   c c 
 c èc *)5c 
c !c c 
c c c  c  O c


cÊ c
 cèc/))5c
c !c c
ccc c O c

cc

 cèc(*5c
c cc O cc cc   cc

Travelerǯs Cheque:

%
 
-c $ c
c   c
O c  c
ccc

cc c
 cc
  cc c $ cè c
 
-c $ cc    c c c:))c
 cc !c%c
 c c   cc c3))c
 cc !c%
cccOcc
  ccc $ cc
c cc c  c c
c

cO 
Secured and Unsecured Advances/Loans:

%  c
c c
c   c
c  c  c cc c 


cc

cc
cc
O c 
c  c
$
O c%  c
c   cc
cO c c   c  c
c
c

†c #6›è%c%&è£c
†c £&?.£c%&è£cc
†c à› c%&è£c
%c 
cc c cc c 
cc 
c
$
O 

% c cc
 cc cO

cc c  cc

c  c% c c

 c3cOc  c

cc/c cÊ cc  cc  c c c

 c/:cOc  c/)cOc

Short Term Finances:-


#
c
Oc  c
c  c
c
c
c  c  c
 c%  c

c c
c c
 cc/c
cc1c
cO OOc#
c
Oc  c "c

uc Cash finance:

% c c c c cc cO


c  c  c  c
 c  cOO  c


ccc c
c  O c  c  cc 
c c  c
 c

c  cc   c c
Oc

% cc c  cO"c

†c Against the pledge of stock:

cc c c cc


O cc c
cc c c

†c Against the hypothecation:

cc c c ccO


c cc cc
O cc c c
c 


c
†c Issuance of bank Guarantee:

c c  c


c c c cc c
 cccc c   ccc c
c c  c  c 
 c c  c  c c  c 


c c 
  c c 
Oc  c

 
5
 
c#c c cc c c

uc Demand Finance:c

Tc  cc
 c  cO  c

c;  c 
c  <c
cO c c c  c

 c
 c;  c c  <c? O  c  cc

c  cc
c c

†c Staff Finance:

%c  cc cc c O cc c !c


cO
c 
cc 
c c

 c cO
c c
c c  cO
c c%
cccO
cccc c  c
c
c  cO
c c c3=c

†c Gold Finance:

cc  c


c c
 cc//cOc c c cc c
 O c

†c Agricultural Finance:

cc c
c
c  c
c cè c  c0
ccc  c
ccOcc c
 c
 cc/1=ccc

uc èunning Finance:

%c  ccc c 
c  ccc  c  cO  c 
c cc c

  cc c c 
c  cc
  c  c  cO c
  c c

Small Finance:

c   cO c  cO cc


c 
c  càOcc  cO c  cccc1))c
Oc%c cc
 c cO
  cc

c  c  c

Êc c cO c c c  c


c c  c
Fund Base"ccà c
c cc
c cc c
Occ cc c 


c

Non Funded"ccà c


c cc
c c
c c c c
 càc
O
c
 c c

c! c
c 
c  cc cO cc 
ccc
   cc Occ O  c
! 
c
c
cc cc  c c% cc  cO c 
c  c
O cc c 


c% cOc
cc 
c 
c  c c cc

†c   cc c
†c 
c
 c
†c   c
†c  
c
Securities:

! 
c c c cc 


c c c
$
c c   c 
cc
c c

†c 6  c
†c   c
†c £
  cc
c

Hypothecation:
cc cc 
cOO  c

cc  c c c c  c c cc
$
c c
c
  c
c c

c
c c c c£
c
cc 
cc*)=ccc  c
c  cc

cc c  cc 


c

Pledge:

c  c c c c>)=c


cc  cc c 


c% c c c c
cc c c

 c  c

cc c  c
 ccc cc 
c c  c cc
 c
cO 
 c% ccOc c
c#cc
 c  cO   c c c 9c



c c c
cO 
 c  c c cc
 cc c
  c  c

Occ c  cc c c
£ortgage:

Êc c O cc c


c  c

ccO  c

cc O cc c c
c c 
c 
cc c c 
O cc c 
cc c

cc  c c



ccc
 c c c 
c c c
 c

Detail of Documents required for sanctioning a loan:

†c  ccc 


c
†c Ê
 c c 
†c è 
cc


†c !   c 
†c 
O
c  
†c à 
cc  cà 
cc  
†c à 
ccccà 
†c ÿ  c
Oc c! -c&
c
†c !


c! c, c# c
†c 
 c
 c
†c Êc    c 
c c c c

 c c
cc
 c c

 cc£
c.c  cO c c c
Oc  c cc c,  c

cc

c cc 


cc c c
c
 cc 
c

c
c
c
c
c
c
c
c
c
c
c
c
c
SWOT Analysis:

Strengths:

†c !c c c
  cO   cc cO
c c c c
c c%c
c   c c  c   c  c O
c   c c  c c % c c c  c

  c  c  c c c c  
c c   c c c  c 
c c

c cc
†c % c O c c !c 
c   c c  c  c c  
c 
c c  c
c
c  c 
  c c 
 c c  c O
c c
Oc c %  c 
  c O   c   c  c O c c

  c  c

Oc cc  c
cc 
c c
†c  c c c
†c à c c c 

c  c Oc OO
 c c c  c O
 c

cc/*=c

Weaknesses:

†c à cO
cc› c!
 c
†c % c 
c  c  c c O c 
 c  c 
O c  c  
c O  c c
 c c cc c   c c% cO O c  cc
 c c
c c


cc cc  c  c  c cc c c O c
†c % c
Oc  c c c c c
cc

cOO  c
†c % c  c c  c !c c  c  c c 
  c % c O c   c c
O  c 
c
cO  ccc
cO cOcc
†c Ê%£c ccc
 cc c
 c
c
c
c
c
Opportunities:
c
†c ? cc
 cc c
c cc! cc c
c c
ccc
 c  c 
c
c
c
c cc£  c
 cc c c c c
c

cc  c  c
 c c
c
  c
Oc
†c % c cO c
c c cc c 
 cc
 cc
c ccc c
 c ccc  cc
cÊ c  c c c
c

 ccc
 
c  c
$
O c c  c  c 
Oc c %c 
c c c 
c  c
 c
c c cc
c c  ccc
O  c
†c 

c 
cc !c
 c  c
 c
†c %
c  c
 c
 c  cc   c c  c
 c
†c ! -c c c 
c
 c c 
c c c 
c 
c c   c c
 O c  c c
†c ! c c  cc#  c! cc  cc c c c
 cc c Oc

Threats:

†c %
c
c O c  
c c 
 c c c  c Oc #c c  c

 c%›c
 cc
c cÊc c
c
c
c
O  c
cc

c
c  c c
c c cÊ c c cc c  cc  c 
cO c
 
c   cc cc c  c  c
†c 6cO
ccO c

c c  
c
†c  O c  c,!èc c
 c c
 c
†c % ccc c
c
c  c c
 c cO
c
 c cO
c
c !c
†c !cc c  cc%c  cO
c
  c›
c c
 c c
 c  cO
c 
c c c ccc c
 c c !cO
 c
c
c
c
c
c

Conclusion
c
Ê
c  c  c  
 c 
 c c #  c , c  c    c
, ccc c c
c
ccO c  ccc
c
 c
 c 
 c c c O
c   c c c c  c 
c 

 c   c % c

 c c cc ccO
9c c c c  cc  cc cO
c  c

O c !c
 c c  c c c  c O  c  c
c  c
 c O c   c  c  
 c  
c   c  c O
  c à 
c c 
c
 ccO
c
c
c O ccc c c c ccc
 c
c  c  c 
cc c c
cc c6#  c! cc  'ccc
 cè  
c  c
c c c  cc

èecommendation:

†ccccÊc  c  c c  c O c 


c 
 
c  c c O
c
  c  c   c
†c Êc
 cc !c c c c
cO
c   c  c
c cc
Oc cc
 c
†ccccc c c ccO
 ccO
 ccc c 
c ccc  c
ccc c

c cc c cc c c  cc c
O
c  c  cc
†c c
c
 c 
O ccO ccc cc  c c c
c
c c
  cc c c 
 c
cc c£$$ Occ cc !c cO c
c
cccc c  cO cc cc c  c c%
cc c  cc
 c#c
 c  ccO  c 
cc cc
†c %
c c c cO
c
 c cc 
c
cc c cc

c
c   c cO
c c c ccOc c c
c 
O cc c

  ccc
cc c
c
 c c  c  c
 cc c
O c  c c  cc cO
c c c
c
c
c
c

è  

!
"
þþþ  c
þþþ þ 
 c
þþþ  c
þþþ     c
þþþ þ c
þþþ 
c
þþþ þ c
þþþ 
      

c
þþþ c c
c

"


  cc  c  cc
 c c! c" c# c$ c
c! c
% c& þ'(c! c