Abdullah (20016820-031)

Internship Report on National Bank of Pakistan
Name: Muhammad Abdullah Javed
Rollino: 20016820-031
Submittedito:i Assistant professer Tassadaq Hussain Warraich
Date of Submission: 15-08-2022
Abdullah Javed (20016820 - 031)

2. Acknowledgments
Starting from the start of my Internship program till the composition of this report, many
individuals have helped me through the promising and less promising times that I confronted. It
would be uncalled for to with on the off chance that I didn't name them. I can't miss to see the
value in the Concern and help of Mr. Abdullah and Mr. Hussain.
Whose consistent assistance made me ready to compose this report with the specialized direction.
I'd likewise thank the staff of the Service Industry Branch who helped me in every division, while
I was working. They helped me in all parts of work.
Dedication
I dedicate my dissertation work to my family and friends. I would like to of gratitude to my loving
parents, who always support me in every time. My sisters Maryam javed and Maria javed have
never left my side and are very special. I would like to dedicate my work to my teachers who
taught me throughout my BBA degree and helped me a lot in every aspect of my study. I also
dedicate this dissertation to my Mentors Prof Syed Ali Abdullah, Prof Yasir Aftab Farooqi, Prof
Arsalan, Prof Ajmal, Mam Mehwish, Mam Sadia Tasadaq and Sir Bilal who have supported me
throughout to complete the process. Last one our group members who helps me a lot in my entire
study life. I will always appreciate all they have done, especially for helping me to develop my
technology skills, as well as helped me a lot in my project proof reading.

3. Table of Contents
 Title Page
 Acknowledgement
 A brief executive summary of the internship
 Main body of report
Part A
Introduction, Overview of the organization and Organizational structure
Part B
Internees work
 Conclusions of the report
 Recommendations
 References

4. Executive Summary of the Internship

This record is the temporary job report that expresses my experience and perception in the NBP,
Service Industry branch. I have officially presented the bank, expressed its vision, mission and
objectives and have featured the offered items and its fundamental rivals. A short time later, I
examined the hierarchical design by talking about the hierarchical hierarchy. Next, I presented the
branch I was working in, I made sense of the labor force circulation in the bank, Next I expressed
my span of temporary job in the bank and the divisions that I served. A while later, I went through
the preparation progressively ease in which I was shown about the principal processes engaged
with the working of the bank, for example, account opening, dispatching and so on. Then, I made
sense of how banks are overseen and arranged to keep the progression of bank typical. I
additionally talked about the association methods that are trailed by representatives, for example,
supervisors, IT specialists and afterward I made sense of the job of pioneers and their job in
controlling the bank. After that, I have played out the basic examination of the bank in which I
expressed how poor the recording framework and occupations the board framework was. I
additionally expressed how the worker client connection can be improved and the innovation being
used can be gotten to the next level. In addition, the low benefit and its influences are likewise
talked about. In addition, the issues with respect to client security Finally I expressed the parts of
the bank where it sparkles, the spots where it is in the shadows, the potential open doors that can
upgrade the bank's working lastly the dangers that jeopardize the bank. And afterward I closed the
report with my remarks.
5. Main Body of Report

5.1 Introduction
5.2 Overview of the Organization
The National Bank of Pakistan (NBP) is among the biggest business banks working in Pakistan. It
reclassified its job and by moving from a public area association into a cutting edge business bank.
NBP was laid out in 1949 and from that point forward, its organization has extended making it the
biggest business Bank of the country. NBP settle is in Karachi, Pakistan with north of 1,250
branches country wide. The bank gives both business and public area banking administrations.
The Bank's administrations are accessible to people, the corporate substances and Government.
While NBP keeps on going about as legal administrator of the public assets and as a specialist to
the State Bank of Pakistan (where SBP doesn't have a presence) it has broadened its business
portfolio and is today a significant lead player in the obligation value market, corporate venture
banking, retail and shopper banking, rural supporting, depository benefits and is showing
developing revenue in advancing and fostering the nation's little and medium endeavors and
simultaneously satisfying its social obligations, as a corporate resident.
Today, NBP is a moderate, productive, and client centered foundation. The bank has fostered an
extensive variety of customer items to upgrade its business capacities and take special care of the
various sections of the cutting edge society. A few plans have been explicitly intended for the low
to center pay areas of the populace. For NBP's unmistakable presentation I will make sense of its
History and furthermore it’s Mission, Vision, Values and Goals.

VISION
For NBP to perceived as a pioneer and a brand inseparable from entrust with best expectations of
administration quality, worldwide prescribed procedures and social obligation.
MISSION
NBP tries to get together to the qualities that make NBP really the Nation's Bank, by defining the
accompanying objectives:
•Regulating a legitimacy and execution culture.
•Making an unmistakable brand character by giving the best quality of administrations.
•Taking on the best worldwide administration standard.
•Boosting partner's worth.
•Releasing our obligation as great corporate resident of Pakistan and in country where we work.
CORE VALUES
•Honest best quality.
•Systematization of cooperation and execution culture.
•Greatness in assistance.
•Progression of abilities for the upcoming difficulties.
•Familiarity with social and local area obligations.
•Esteem creation for all partners.
GOAL
To improve the productivity and amplification of NBP's portion through the rising influence of
existing client base and differentiated scope of items.
5.2.2 Nature of the Organization

Banks assume essential part in economy. Banks get and trade abundance to bring a positive

change in economy. Banks are extremely valuable for the arrangement of capital. In the event that
the financial framework is successful and effective it will get a fast development and improvement
different areas of economy. The development of economy is connected with the adequacy of its
financial framework. NBP is assuming a crucial part in the improvement of Pakistan. Agribusiness
area is fundamental creation area of Pakistan and NBP is making a trailblazer job being developed
of this area. Farming area is the significant piece of our products like cotton, sugar, rice and so
forth it assists us with procuring a colossal measure of unfamiliar trade through sends out. NBP
manages the public authority incomes, annuities what's more, assortment and installment of
compensations. The idea of obligations of NBP is interesting. It bargains with three exercises:
1. Lending
2. Borrowing
3. Investing
NBP has likewise assumed a significant part in the funding the country’s developing exchange,
which has extended during that time as broadening. NBP likewise handles the depository
exchanges for the Legislature of Pakistan. NBP was the main bank to present the plan of credit for
little borrowers. For the provincial and farming improvement NBP propels the liberal credit. Short
term credits are progressed to the ranchers for advancement of their horticulture. These advances
are progresses with next to no intrigue. These advances are might be in state of manures and seeds.
NBP draws in huge measure of stores and furthermore give enormous measure of advances to
various area.
5.2.3 Awards and Achievements

2021
"Best Bank for Agriculture" by "The Institute of Bankers Pakistan" in fifth Pakistan Banking
Awards 2020.
2020
"Corporate Client Initiative of the Yearâ€" Pakistan" by Asian Banking and Finance Magazine
(ABF) at the Corporate and Investment Banking Awards 2020
"Creative Deal of the Yearâ€" Pakistan" by Asian Banking and Finance Magazine (ABF) at the
Corporate and Investment Banking Awards 2020
Commitment to National Economy â€" by Federation of Pakistan Chambers of Commerce and

Industry during eighth FPCCI Achievement Awards in year 2020
Corporate and Investment Banking Services â€" by Federation of Pakistan Chambers of

Commerce and Industry during eighth FPCCI Achievement Awards in year 2020
2019

"Business Performance Award" at the 24th All Pakistan Newspapers Society (APNS).
"Best Bank for Agriculture" at the Pakistan Banking Awards 2019 coordinated by Institute of
Bankers Pakistan, Dawn Media Group and A.F.Ferguson and Co.
"Corporate Social Responsibility" grants in various classes at the eleventh International CSR
(Corporate Social Responsibility) Summit and Awards-2019 coordinated by the National Forum
for Environment and Health (NFEH)
2018
"Yearly Trade Finance Award-2018" for arising as the main accomplice bank of the ADB in
Pakistan by Asian Development Bank (ADB).
Gold Medal by FPCCI for "Best Performance in Banking and Finance Sector".
"Buyer Finance Product of the year-Pakistan" by Asian Banking and Finance.
"Provincial Bank of the Year-Pakistan" granted by Asian Banking and Finance.
2017
NBP set another standard with the Guinness Book of World Records for the "World's Highest
ATM", making this their second achievement with Guinness.
Consideration of NBP in FTSE Index-Certificate of enrollment "FTSE".
"Pakistan Domestic Project Finance Bank of the Year 2017 Award" by Asian Banking and Finance
Magazine (ABF).
Exchange Finance Program (TFP) "Economic agreement of the year" grant.
NBP got 4 CSR Award in the accompanying classifications on the sixth Corporate Social.
Obligation Summit and Awards coordinated by The Professionals Network:
Best CSR Services for the Year
Sports and Cultural Support
Best administrations in Health and Education
Cause Advocacy Awareness Campaign

NBP won two honors from the NFEH's Corporate Social Responsibility grants for the
accompanying classes:
Sports and Recreational Activities

Local area Development and Services
5.2.4 Product / Service Lines

National Bank of Pakistan has launched many programs to suit the needs of people of different
sectors. These programs include.
NBP offers:
The most reduced rates on sends out and other global financial items
Admittance to various nearby business banks in worldwide banking
Demand Drafts:
In the event that you are searching for a protected, fast and dependable method for moving cash,
you can now buy NBP's Demand Drafts at truly sensible rates. Any individual regardless of
whether a record holder of the bank, can buy a Demand Draft from a bank office
Mail Transfers:
Move your cash securely and rapidly utilizing NBP Mail Transfer administration. Furthermore,
we likewise offer the most aggressive rates on the lookout.
Pay Order:
NBP gives one more motivation to move your cash utilizing our offices. Our compensation orders
are a safe and simple method for moving your cash starting with one spot then onto the next.
Furthermore, to no one's surprise, our charges for this help are very aggressive.
Traveler's Cheques
Negotiability:
Pak Rupees Traveler's Checks are a debatable instrument
Legitimacy:
There is no limitation on the time of legitimacy
Accessibility:
At 700 parts of NBP all around the country

Encashment:
At each of the 400 parts of NBP
Limitation:
No limit on buy
Safety:
NBP Traveler's Checks are the most secure method for conveying our cash
Letter of Credit:
NBP is focused on offering its business clients the largest scope of choices in the space of cash
move. In the event that you are a business venture, our Letter of Credit administration is exactly
the thing you are searching for. With serious rates, security, and simplicity of exchange, NBP
Letters of Credit are the most effective way to do your deals.
Commercial Finance:
Allow us to assist with causing your fantasies to turn into a reality

Our committed group of experts genuinely grasps the requirements of experts, agriculturists,
enormous and independent company and different portions of the economy. They are the client's
best asset in making NBP's items and administrations work for them.
Foreign Remittances:
To work with its clients in the space of Home Remittances, National Bank of Pakistan has gone to
various lengths to:
Increment home settlements through the financial framework

Meet the SBP orders/directions for ideal and brief conveyance of settlements to the recipients
New Features:
The current arrangement of home settlements has been updated/fundamentally improved and
thoroughly prepared field functionaries are presented on give effective and solid home settlement
administrations to alien Pakistanis at 15 abroad parts of the Bank other than United National Bank
(the joint endeavor among NBP and UBL in UK)., and Bank Al-Jazira, Saudi Arabia.
Zero Tariff:
 NBP is giving home settlement administrations with next to no charges.
 Severe observing of the framework is finished to guarantee the most noteworthy

conceivable security.

 Exceptional messenger administrations are employed for speedy conveyance of home

settlements to the recipients.
SWIFT System
The SWIFT framework (Society for Worldwide Interbank Financial Telecommunication) has been
presented for expedient administrations in the space of home settlements. The framework has
implicit elements of electronic test keys, which kills the manual utilization of tests that frequently
create setback for the installment of home settlements.
The SWIFT Center is functional at National Bank of Pakistan with a widespread access number
NBP-PKKA. All NBP abroad branches and abroad journalists (more than 450) are drawing
settlements through SWIFT.
Utilizing the NBP organization of branches, you can securely and rapidly move cash for your
business and individual requirements.
Short term Investments

NBP presently offers great paces of benefit on the entirety of its momentary speculation accounts.
Whether you are hoping to contribute for a very long time or 1 year, NBP's paces of benefit are
incredibly appealing, alongside the security and administration just NBP can give.
Equity Investments
NBP has sped up its exercises in the securities exchange to work on its monetary base and
reestablish financial backer certainty. The bank is currently viewed as the most dynamic and
predominant player in the development of the stock market. NBP is involved in the following:
 Investment into the capital market
 Introduction of capital market

Accounts (under process)
NBP's association in capital business sectors is supposed to build its profit, which would bring
about better returns proposed to account holders
National Income Daily Account (N.I.D.A)

The plan was sent off in December 1995 to draw in corporate clients. It is an ongoing record
conspire and is important for the benefit and misfortune arrangement of records in activity all
through the country.

Trade Finance and Other Business Loans
Agribusiness Finance:
NBP gives Agricultural Finance to set confidence, responsibility and pride of ranchers who
produce the absolute best rural items in the World.
Agrarian Finance Services:

"I Feed the World" program, another item, is presented by NBP with the mean to assist ranchers
amplify the per section of land creation with least of required input. Select ranches will be made
good examples for different homesteads and ranchers to follow, in this way helping ranchers across
Pakistan to increment creation.
Agriculture Credit:
The farming supporting procedure of NBP is focused on three fundamental goals:-
Giving dependable framework to agrarian clients
Assist ranchers with using reserves proficiently to additionally create and accomplish improved
creation
Give ranchers a coordinated bundle of credit with provisions of fundamental data sources,
specialized information, and management of cultivating.
Agriculture Credit (Medium Term):

Creation and improvement
Stream improvement
Wells
Farm power
Development loans for tea plantation
Fencing
Sunlight based energy
Hardware for sprinklers
Farm Credit:
NBP likewise furnishes the accompanying financed with scopes of 90 days to 1 year on a
reestablishment premise.
Operating Loans

Land improvement credits
Hardware advances for acquisition of work vehicles, ranch executes or some other gear
Animals advances for the buy, care, and taking care of animals
Production Loans:
Production Loans are intended for essential contributions of the homestead and are transient in
nature. Seeds, manures, sprayers, and so forth are undeniably covered under this plan.
Assuming you require any additional data, kindly feel free to mail us.
Corporate Finance:
Working Capital and Short Term Loans:

NBP represents considerable authority in giving Project Finance - Export Refinance to exporters -
Pre-shipment and Post-shipment funding to exporters - Running money - Cash Finance - Small
Finance - Discounting and Bills Purchased - Export Bills Purchased/Pre-shipment/Post Shipment
Agricultural Production Loans
Medium term credits and Capital Expenditure Financing:

NBP gives funding to its clients' capital use and other long haul speculation needs. By sharing the
gamble related with such long haul speculations, NBP facilitates clients' endeavor to redesign and
grow their activity consequently making conceivable the satisfaction of our clients' vision. This
sort of long haul funding demonstrates the bank's faith in its client's capacities, and its obligation
to the country.
Credit Structuring and Syndication:

Public Bank's administration in credit partnering comes from capacity to produce solid connections
with borrowers as well as with bank financial backers. Since we comprehend our organization
accomplices' resource standards, we assist borrowers with meeting significant funding needs by
empowering them to arrive at the banks most keen on loaning to their specific industry, geographic
area and construction through partnered obligation contributions. Our partnership capacities are
supplemented by our own capital strength and by industry groups, who carry particular information
to the design of an exchange.
Cash Management Services:

With National Bank's Cash Management Services (in course of being set up), the client's business
assortment will be diverted through immense organization of NBP expanded spread the nation

over. This will empower the client to deal with their organization's all out monetary position right
from your PC. They can likewise exploit our remarkable scope of installment, launch, liquidity
and venture administrations. As a matter of fact, with NBP, you'll be given everything, which takes
to precisely deal with your income more.
List of Competitors
Following Banks can be termed as the competitors of the National Bank of Pakistan.
•Bank Alfalah
•Muslim Commercial Bank
•Habib Bank
•Meezan Bank
•Allied Bank
•United Bank
•First Women Bank
•Bank of Punjab etc
5.2.6 Contribution of Organization toward Economic Development

NBP has been assuming a critical part in supporting and formative exercises in Pakistan. It helps
in the development of economy in all circles of our public life. It has contributed fundamentally to
monetary development of the nation and has served exchange and industry in many activities.
NBP was the main bank who acquaint plan of credit with little borrowers like ranchers and so on,
for the advancement of horticulture. Little transient advances are given to the ranchers, liberated
from interest. NBP can draw in enormous measure of stores through its huge number of branches
all around the nation and in this way can give enormous measure of advances to various areas.
NBP is likewise giving funds to limited scope enterprises for the period as long as five years; it
has acquainted individuals' acknowledge offices for the average person at the enormous and more
liberal scope than previously. The fundamental target of this plan is to make a commitment toward
developing of a non-industrial country. The NBP likewise assists with advancing the foundation
of new organizations by guaranteeing their portions. The bank likewise contributes towards the
acquiring of unfamiliar trade however it’s unfamiliar trade business in Pakistan and abroad.
There are six key elements that managers need to address when they design their organization
structure. These six elements are used in analyzing the organizational structure of NBP. After
analyzing NBP structure I conclude my findings as:
Work specialization:
To what degree are activities subdivided into separate jobs is known as work specialization.
During my internship when I analyze my branch at this point I conclude that NBP does not
strongly stressed on work specialization.

Departmentalization:
This means the basis by which jobs in an organization are grouped together. If I talk about this
concept relative to NBP I conclude that there is great departmentalization View in operations of
Bank.
Chain of Command:
The chain of command is a line of authority, which means to whom do individual and groups
report. By analyzing the organizational structure of NBP it can be found that each and every
person knows to whom he should report.
Centralization and decentralization:

Centralization and decentralization decision making means where decision making authority
lie? By analyzing the organizational structure of NBP it can be found that the structure at NBP is
significant. All the decisions and policies are made at the top management level and the
subordinates have to obey and act upon these decisions. This trend shows a centralized decision
making pattern of inflexibility in structure of NBP.
Span of control:
This includes how many individuals can a manager efficiently and effectively direct. By
Observing the management style of NBP I conclude that there is wider span of control in this
Organization. NBP is a Govt. owned bank and act as an agent of SBP all over the country, so it
needs too much employees to cover all work. Wider span of control help him to control all
operations in possible minimum cost.
Formalization:
The degrees to which jobs within an organization are standardized are called formalization. This
also includes that how much rules and regulations within organization to direct employees and
managers. As we already knows that NBP enjoys sixty years’ experience, so in its long time
operations it developed well formal rules and regulations to operate his business in efficient
way.
O RGANIZATIONAL S TRUCTURE
a. O RGANIZAT IONAL H IERARCHY C HART






The Organizational Chart and Sub-charts are very descriptive. The defined hierarchy suits the
needs of the Bank and is able to manage the affairs smoothly. Unlike other Banks, the hierarchy is
less complex and is easy to follow and understand, the organization has a flexible structure.
5.3.2 Number of Employees in NBP
16457 employees are working in NBP all over the Pakistan according to the 2010 survey.
M AIN OFFICES
Main Offices of the National Bank of Pakistan are of three types
Head Office

Regional Offices
Branch Office
The Head Office of the National Bank of Pakistan is at Karachi. NBP continues its business the
whole way through a wide set up of branches those are arranged in the nation and out of the country
expertly and in mark of truth. All parts of NBP execute their capabilities subject to neighborhood
Regional Offices and provincial workplaces are prohibited by the Head Office arranged a brilliant
structure in the core of Karachi's middle.
In Sindh the NBP has its main offices in Karachi, dadu/sanghar, Hyderabad, Jacobabad/ shikarpur,
mirpurkhas/badin, nawabshah/N’feroz, sukkur/khairpur & tharparkar. In Punjab the NBP has its
main offices in Lahore, Faisalabad, Gujranwala, Sialkot/Narowal, Islamabad, Bhawalpur, D.G
khan, Jhelum/Gujrat/Chakwal, Multan, Murree/Gilgit/Attock, Rawalpindi, Sahiwal, Sargodha &
Sheikhupura. In NWF the NBP has its main offices in Peshawar, abottabad, D.I khan, kohat &
Mardan. In Baluchistan NBP have its main branches in Queta, Azad Kashmir, Mirpur &
Muzaffarabad.
I NTRODUCTION OF A LL D EPARTMENTS OF NBP

The NBP has Different departments. Brief description of all these departments are given here,
individually under discrete heads for better understanding.
General Banking Department
Credit and Advances Department
Accounts Department
Government Department
Consumer & Retailing Department
HR Department
Public Relations
Advertising and Marketing Department

General Banking Department

General Banking is the beginning stage of all the financial tasks. General Banking division helps
with taking stores and at the same time offers a few different types of assistance. Consistently it
gets stores from the clients and satisfies their need for cash by regarding their checks. It opens new
records, withdrawal of assets, issue bank drafts and pay orders and so on. General Banking
comprises of the many areas in the branch. These are:
Deposit Section
Account opening Section
Cash Dealing
Clearing Section
Remittance
Locker Service Section
Advance and Credit Department
Propels division is one of the most touchy and significant branches of the bank. The significant
part of the benefit is acquired through the activity of this division. The Credit Management
Division of Head Office straightforwardly controls every one of the advances. Bank is a benefit
looking for organization, so it draws in excess adjusts from the clients at low pace of revenue and
makes propels at a higher pace important to the people and business firms. Credit augmentations
are the main action of every monetary foundation, since it is the fundamental wellspring of
procuring. Be that as it may, simultaneously, it is an exceptionally unsafe errand and the gamble
can't be totally killed however could be limited generally with specific strategies.
Accounts Department:
The primary capability of record division of NBP is to keep up with general record accounts and
after the business hours the capability of the record official is to close books. There are numerous
other significant capabilities performed by accounts branch of NBP so comprehensively they can
be ordered in three heads:
Directing of costs vouchers
Readiness of day to day action reports

Arrangement of weekly and Statements
Arrangement of statements for Tax reason
Government Receipts/Payment Department
In this division a wide range of Government receipts for example Incomes, Taxes, Agriculture
Tax, Government Fees, EOBI Funds and Utility Bills are kept. This way NBP is serving incredible
occupation of income assortment and charges commission for offering types of assistance. This
division is carrying out following roles
Installment of Provident Fund
Installment of Benevolent Fund
Installment of pension
Assortment of Utility bills
Assortment of proper tax and Challans
Assortment of dues of education institution
Installment of Salaries
Installment of zakat
Consumer and Retail Banking Section
Buyer and retail banking branch of NBP is offering following offices to their clients
NBP Advance Salary
NBP Saiban
NBP Rozgar Scheme
NBP Premium Saver
NBP Premium Aamdani, and so on
HR Department:

Public Bank of Pakistan has a current Human Resource improvement division, which works to
expand the current abilities of individuals existing or coming in the association, to accomplish its
targets in a more proficient and viable way.
The capabilities under HR Department are:
Clinical
Disciplinary cases
Staff advance
Leave record of worker
Execution examination
Office request
Labor arranging
Advertising and Marketing Department
Public Bank of Pakistan has existing Public Relations and Marketing Department and the primary
undertakings of the Public Relations and Marketing Department include:
Creating NBP data strategy
Creating and chasing after NBP advertising methodology
5.3.5 Comments on Organizational Structure
Construction of NBP is Bureaucratic Structure, in this design a lot of formalized rules and
guidelines are kept, errands are gathered into useful divisions, concentrated power, limited ranges
of control, and dynamic that follows the levels of leadership. The design of NBP is very
concentrates choice are taken on time, Policies are given by the administrative center and carried
out inside the bank. There is a branch director who cares for the general working of the branch.
Each individual inside every division is allocated different assignments which increment their
errand performing capacity. No division has obstruction in the working of other office. It builds
the effectiveness of the division, as there is no outer inclusion by any individual. By and large, the

climate of NBP is very deep rooted and furthermore praiseworthy. The manner in which the
organization organized is excellent.
5.4 INTERNSHIP ACTIVITY PLAN

5.4.1 INTERNSHIP BRANCH
A. INTRODUCTION
Branch of National bank of Pakistan (NBP) where I did my internship is the Service Industry
Branch of Gujrat. Its branch code is 0647 and it was established in 1955 in order to cope with the
financial needs of the people. Service Industry Branch of NBP is mixed type of branch such as
civil secretariat branch, where every kind of work is done. The working and learning environment
of the bank is very valuable and of high quality. The whole staff of NBP is very promising and
intellectual, expert in their work, well-mannered and efficient.
At present Mr. Sohail Ahsan is Manager and operation manager is Mrs. Sadia pervaiz. 5 employees
work in this branch. The Branch Manager of National Bank of Pakistan (NBP) is responsible for
all the affairs of the Bank. All the decisions relating to Branch are made by him.
B. NUMBER OF EMPLOYEES WORKING IN THE BRANCH
The following are the names of employees that are designated at various places in the bank.
Name Designation
Mr. Sohail Ahsan Manager
Mrs Sadia pervaiz Operation Manager
Mr. Abubakar Zahid Officer
Mr. Umer Hameed Cashier
Mr. Shabeel Messenger
C. STARTING AND ENDING DATE OF INTERNSHIP

From: April 15th, 2022
To: May 9th, 2022.
D. NAMES OF DEPARTMENT WHERE I WORKED

I have worked in the following departments during my internship at National Bank of Pakistan.
•Establishment

•Account Opening
•Remittance and Bill Section
•Clearing Section
•Dispatching
•Advance Loans
•Government Department (Pension)
5.4.2iDetailiofisupervisor
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iveryisupportiveibyinature.iThat’siwhyiIilearntifromieachiandieveryiperson/iemployeeiofibank.i
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pervaizi(gradei3iofficeriofiNBP)itheirimainijobiwasirelateditoiaccountiopening,ithat’siwhyitheyi
teachimeihowitoiopenianiaccount,ihowimanyitypesiofiaccountiopeningiexistiiniNational Bank of
Pakistan, National Bank of PakistaniiisiofferingihowimanyiproductsiNational Bank of
Pakistaniisioffering.iAnditheniAbubakar
zahid,imyirealisupervisoriteachimeiailot,iheihasigreatipersonality,iheiteachimeiailot,iasiheiisithe
iheadiofiremittanceidepartment.iThat’siwhyiheiteachimeieachiandieveryithingiaboutiremittancei
department.iHeitoldimeiwhatiisibankingiactually,ihowiitiworks,ihowiNational Bank of
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5.4.3 Weekly TimeTables
Deposit Department
N AME OF SUPERVISOR S IGNATURE

Mrs. Sadia pervaiz____________________
DATE/DAY ACTIVITY
15-4-2022 Introduction of the Deposit department. The supervisor told me about
Friday all the tasks of this department that I have to do within week.
DATE/DAY ACTIVITY

18-4-2022 Learned about Cash & Transfer pay-in-slips, and filling of cheques.
Monday
19-4-2022 Learn the procedure for passing of cheque and issuance of token
Tuesday number.
20-4-2022 Learn the entries in BBO software for cash receipts and payment of
Wednesday cheques
21-4-2022 Learn procedure for End Of the Day.

Thursday
22-4-2022 Do same
Friday
C LEARING D EPARTMENT
Mrs. Sadia Pervaiz ___________________
DATE/DAY ACTIVITY
25-4-2022 Introduction about all activities of this department
Monday
26-4-2022 Learn the procedure for outward local clearing through NIFT
Tuesday
27-4-2022 Learn the procedure for inward Local clearing through NIFT and
Wednesday prepare F-15.
28-4-2022 Learn the procedure for cheques returned.

Thursday
29-4-2022 Learn to make & respond L.S.C

Friday
DATE/DAY ACTIVITY
2-5-2022 Learn to make & respond S.C. and about deduction of charges and
Monday preparation of vouchers for that.

3-5-2022 Learn the issuing and responding entries for S.C. and L.S.C.
Tuesday
4-5-2022 Learn the inward and outward local clearing entries on software.
Wednesday
C REDIT D EPARTMENT
Mrs. Sadia pervaiz__________________
DATE/DAY ACTIVITY
5-5-2022 Introduction about the activities of this department
Thursday
6-5-2022 Learn the procedure for issuing of Gold loan

Friday
DATE/DAY ACTIVITY
9-5-2022 Learn the calculation of markup for closing of Gold account and prepare
Monday vouchers for it And Affixation of stamps on proposal of Cash finance
and issued cheque book for CF.
5.4.4.1 Deposit Department

It is expressed that stores are the backbone of business banks. The principal capability of a business
bank is to prepare deposit of cash.
5.4.4.1.1 Functions Performed By Deposit Department

5.4.4.1.1.1 Passing of checks
5.4.4.1.1.2 Keeping record of money exchanges
5.4.4.1.1.3 End of the day
5.4.4.1.1.1 Passing of Check at Counter

Prior to passing of check, methodology which passing official follow is as under:
Acknowledgment of Checks:
At the point when a check is introduced at counter for installment, the official looks at the check
prior to giving a token. Coming up next is investigated:
The check is drawn on a similar part of the bank.
It isn't flat or post dated.
Mark of cabinet should be available on check
The sum written in words and figure ought to be same.
The cabinet of the check properly signs all change or scratch-off.
The moderator has endorsed at the rear of the check.
Confirmation of Signatures:
The approved official looks at the check for the above notice things. At the point when check is
found OK in all viewpoint, the mark of the cabinet contrasted and his unmistakable on the
Specimen Signature Card. At the point when it is seen as like example signature, he appends
SIGNATURE VERIFIED stamp, close to the cabinet signature in the check and sign it.
Work station Process:

After certification of the signature, the PC administrator actually takes a look at the equilibrium of
the record holder. The administrator likewise sees whether the stop installment directions are
gotten from the record holder or not. In the wake of considering these two focuses the check is
posted in programming of BBO. The check is then given over to the clerk after the apportioning
of the symbolic number to the check, appendage of stamp PAY CASH and mark of passing official.
The token is given to the moderator and check to the clerk.
5.4.4.1.1.2 Keeping record of money Transactions

It is exceptionally easy to Record of Cash exchange. At the point when client comes and needs to
stores cash in his/her record, first he needs to fill receipt for cash store known as money pay-in-
slip. Pay-in-slip is a proof of monetary exchange which is properly endorsed by approved official.
Specifics of this slip are as per the following:

Date
Account number
Title of record
Sum in figures and words
In the wake of filling this slip client store cash at cash counter where record number of client and
sum is kept in real money receipt register and clerk appends stamp of "Got BY CASH" on the two
pieces of pay-in-slip. Then, at that point, in store region where after mark of approved official
counter foil of slip is given to client for his record and credit voucher is kept by official for Bank
record. Then client's record is credited by the sum which is kept.
5.4.4.1.1.3 End of the day

Toward the day's end installments and receipts are matched by Computer administrator and clerk.
On the off chance that these sums are coordinated, conceptual is printed out and basically
everything which is finished in a specific date is shipped off the Gujranwala Branch through E-
mail. After that framework is shut for that specific date.
5.4.4.2 Clearing Department

The exchange of assets from one part of bank to the next part of a similar bank or the other bank
on which the instrument is drawn is finished through clearing process. The significant capability
of Clearing Department is to get checks and gathers the sum from that bank on which check is
drawn, through the Clearing House "Public Institutional Facilitation Technology" (NIFT) Pvt.
Restricted. In NBP Railway Road Branch, a few explicit sorts of checks are being engaged in the
clearing division, which are:
Clearing checks
Transfer checks
5.4.4.2.1 Types of clearing

5.4.4.2.1.1 Local Clearing
5.4.4.2.1.2 Intercity Clearing
5.4.4.2.1.3 Short Credit Service (SC)
5.4.4.2.1.4 Local Short Credit (LSC)

5.4.4.2.1.1 Local Clearing
All checks and other Negotiable Instruments payable locally is introduced to the bank for clearing.
Also, NIFT gives the office of clearing to locally payable instrument for nothing. In regard of
nearby checks the client's record is credited on the following day from the date of acknowledgment
of the check.
5.4.4.2.1.2 Intercity Clearing

NIFT is likewise answerable for the leeway of the outstation checks by utilizing its intercity game
plans. NIFT network is available in every one of the huge urban areas of Pakistan. In regard of
neighborhood checks the client's record is credited on the second day from the date of
acknowledgment of the check.
5.4.4.2.1.3 Short Credit Services (SC)

Bank clears the check either through mail or TCS where there no NIFT administrations are
accessible and charge commission for offering types of assistance. S.C is utilized for out station
settlement instruments. In regard of outstation checks the client's record is credited on fourth 0r
fifth day from the date of acknowledgment of the checks.
5.4.4.2.1.4 Local Short Credit (LSC)

In the event that the client needs sum in his record on pressing premise, bank give LSC
administration to its client for those in house checks which are introduced and drawn on NBP.
Parts of the bank can be different however should be situated inside the city. Bank didn't recuperate
charges from clients for this help. In regard of neighborhood checks the client's record is credited
around the same time from the date of acknowledgment of the check.
5.4.4.2.2 Clearing Process

The most common way of clearing is completed in following classes.
5.4.4.2.2.1 Inward clearing through NIFT
5.4.4.2.2.2 Outward clearing through NIFT
5.4.4.2.2.3 Local and outstation clearing through S.C and L.S.C
5.4.4.2.2.1 Inward clearing through NIFT

At morning bank get checks or different instruments which different Banks present at the clearing
house. All the settlement which is gotten by bank then, at that point, goes through the internal
leeway process.
The checks which bank get for freedom, are cleared subsequent to really looking at following
prerequisites, for example
 Stamp required ought to be right

 Equilibrium ought to be sufficient specifically represent leeway
 Cabinet mark ought to coordinate with SS card.
 Check ought not be post dated or out dated
 Sum in words and figures ought to be same
 Exhortation got from giving Branch
 Installment shouldn't came by the cabinet
In the event that all the above notice prerequisites are satisfied, check is gone through in any case
it is gotten back to the client by joining return update making sense of the reason for actually look
at return through NIFT. Return registers likewise enter with the return register by composing dates,
reasons for return, sum and season of return and gotten back to outsider through NIFT. On the off
chance that there is any return, that is deducted from the aggregate and F-15 is ready for the excess
sum.
5.4.4.2.2.2 Outward clearing through NIFT

Stamping
Cross Stamp
Cleaning Stamp
Payee,s Account Will be Credited
Fill Transfer Slip and Receipt Hand over To Client
Instrument assortment from Account Holder
Enter in NIFT Register Separately
Hand Over NIFT Agent
Instrument are Signed By Officer

Separate Transfer Slip and Check
NIFT Cover Bundle& Add List
OUTWARD CLEARING
Outward clearing incorporates those checks and different instruments which are sent by the Bank
to the Banks for installment for its own clients. The checks stored by clients are shipped off
clearing house. In any case, before acknowledgment of check following is being performed.
 Title of endlessly account number from move slip is checked.

 Counter foil of move slip is given over to the clients with branch stepping.
The methodology for outward leeway is appeared through following graph:
Then on getting of the clearing fanfold F-15 for instruments sent in outward leeway, the bank
credit the sum in the record of client in the event of neighborhood clearing while bank deduct the
charges if there should arise an occurrence of intercity clearing and afterward remaining sum is
credited to the client record and Bank General record is charged for the aggregate sum.
5.4.4.2.2.3 Local and outstation clearing through S.C and L.S.C
Development of S.C and L.S.C:

For making S.C and L.S.C Fanfold F-275 is utilized on which measure of instrument, S.C or L.S.C
number, and the name with code of the branch to which this instrument is sent, is referenced. Data
about the instrument is kept in important register and three sorts of stamps are joined on instrument,
which are:
Stamp of S.C and L.S.C
Unique Crossing stamp
Payees record will be acknowledged on acknowledgment for branch name and code
After attachment of stamp instrument and fanfold is endorsed by approved official, and afterward
it is sent through bank mail administration. S.C and L.S.C is sent exclusively to any part of NBP.
Answering passages of S.C and L.S.C:

On leeway of the S.C or L.S.C from answering bank, the responsible bank gets charge voucher for
example F-15. On getting that fanfold bank deduct its charges in the event of S.C. there are no
charges for L.S.C. After derivation of charges bank give credit to the client's record and charge

NBP general record. And furthermore mark answering passage in register. Charges which are
deducted if there should be an occurrence of S.C are:
Commission
Federal excise Duty (FED)
Postage and Telegram (P&T)
Commission Rates
NBP to NBP - - - - - - - - - - - - - - - - - - - - - - - - - - 0.16% (min. Rs. 75)
NBP to Other Banks- - - - - - - - - - - - - - - - - 0.20% (min. Rs. 100)
P& T Rates
P and T rates are fixed for each instrument for example Rs.70
Government Excise Duty
Taken care of is- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 16% of Commission
NBP to NBP - - - - - - - - - - - - - - - - - - - - - - - - - - - Min. Rs. 12
NBP to Other Banks- - - - - - - - - - - - - - - - - - - Min. Rs. 16
5.4.4.3 Remittance Department

Settlement implies an amount of cash sent in installment for something. This division manages
either the exchange of cash from one bank to other bank or starting with one branch then onto the
next branch for their clients. NBP offers following kinds of settlement:
5.4.4.3.1 Demand Draft
5.4.4.3.2 Mail Transfer
5.4.4.3.3 Telegraphic Transfer
5.4.4.3.4 Pay Order
5.4.4.3.1 Demand Draft (DD)

Request draft is a composed request drawn by a part of a NBP upon the part of same or some other
bank to pay specific add up to or to the request for determined individual. It tends to be given to

account holder of bank or non account holder. It tends to be given against money or check and
letter of guidance.
Types:
Junior draft (From Rs. 1 to 10,000)
Senior draft (From over Rs. 10,000 to 10 million)
Specifics of DD:
Date
Name of the workplace on which it is drawn
Name of recipient
Sum in words and figures
Bank trade rates
Mark and address of the candidate
Issuance charges on DD:

Trade on DD
From Rs.1 to 100, 000
0.10%
Least Rs.80 (for A/c Holder)
Least Rs.100 (for non-A/c Holder)
From over Rs.100,000 to a million.
0.05%
Least Rs.150 (for non A/c Holder)
From over Rs. a million
0.04%

Least Rs.700 (for non A/c Holder)
Taken care of 16% of trade
With Holding Tax (WHT) Over 2500 Rs. 2 for each 1000
Installment of DD
At the point when DD is given, its issuance counsel is shipped off the answering branch. So at
whatever point DD comes for installment it is possibly paid assuming guidance of that DD is as of
now gotten by bank.
5.4.4.3.2 Mail Transfer (MT)

A similar application structure which is utilized for DD is for the most part utilized for MT in
NBP. MT isn't given over to buyer yet rather it is straightforwardly shipped off the recipient's
branch by the responsible office through mail on its own gamble and obligation. MT is given
exclusively from one to the next part of a similar bank for example from NBP to NBP. The
candidate wanting to send the assets via MT can either store cash or can give check to charge his
record with the expense of MT including bank charges. A trade reminder is given to the candidate
as a receipt for his record.
Yet, for MT it is fundamental that the client should have the Branch Code of the host branch,
account number of a cabinet and name of spot, and so on.
Issuance charges of MT
Trade, FED and WHT rates are same as that of DD. extra charges which is taken for MT issuance
is postage. What's more, it is Rs. 70 for any measure of MT.
Installment of MT
At the point when MT I got by branch for installment, its mark are checked. Each branch has
example marks of chief and activity director of each and every part of NBP. In the event that mark
on MT coordinates with example marks, MT is paid. Furthermore, it is additionally kept in internal
mail move register.
5.4.4.3.3 Telegraphic Transfer (TT)

Move of assets structure one branch to another for example through NBP to NBP or upon different
banks under exceptional courses of action for the installment to recipient through wire, message
or fax is called Telegraph Transfer (TT).
Issuance and installment of TT:

In transmitted move (TT) the brokers utilize secret codes. One code is with giving individual and
the second is with getting individual. When these are joining it become a sum that is called check.
Following significant things ought to be remembered for TT at the hour of issuance:
Complete name or record number of the recipient ought to be referenced in the application
structure.
Guidance for the method of installment ought to be gotten.
It ought to be kept in settlement outward register.
TT issuance and installment is controlled through secret bear witness to and the installment is just
made after the affirmation of the check. At the point when it is paid, it is placed in the TT payable
register.
Issuance charges of TT:

Trade, FED, WHT and P&T rates are same as that of MT. however, extra 100 is charged for TT.
5.4.4.3.4 Pay Order

Pay request is an instrument which is given from one branch and is just payable from a similar
branch. It is given for installment in a similar city. Pay request is intended for bank own installment
yet practically speaking they are additionally given to clients.
Installment of pay request:

Installment of pay request is done exclusively through giving branch, so they are paid after
finishing of clearing process.
5.4.4.4 Account Opening Department

Account opening part of NBP can be viewed as the main division since banking begins with the
record opening. Each client of the bank it is possible that he is of credit segment or unfamiliar area
or some other division should have his record to get advantage and exchange with the bank. This
segment carries out the accompanying roles:
5.4.4.4.1 Opening of Accounts

5.4.4.4.2 Issuance of cheque books
5.4.4.4.3 Closing of records
5.4.4.4.1 Opening of Accounts

The launch of a record is the foundation of broker and client relationship. There are sure customs,
which a broker needs to finish prior to opening a record with a bank. Steps required for account
opening are as under:
Confirmation:
The primary significant stage to happen in bank for account opening is to get agreeable
confirmation of the individual, who needs to turn into bank's client. For this reason NADRA check
is made.
Account Opening Form and Specimen Signature Card:

Account Opening Form
After check of an individual from NADRA an individual is furnished with an application structure
known as Account Opening Form (AOF). This structure contains
Kind of record
Account Number
Nature of Account
Starting Deposit Amount
Cash of Deposit
Points of interest of clients e.g.;
Closest relative data
Working guidelines
Know Your Customer (KYC)
Zakat derivation directions
Marks of the candidate
Administration charges derivation directions

Specimen Signature Card (SS card)

Example of marks will be gotten from contributor at the hour of opening a record. A uniquely
planned card is utilized for this reason. SS card should be countersigned by an approved official
of the bank. For unskilled individual a new image of new record holder is taken and connected
with SS Card to diminish the gamble of cheats and abuse of the check.
Stamping and Scrutinizing

After the satisfaction of the relative multitude of fundamental agreements the significant official
of Account Opening joined stamps on the AOF for finishing of the multitude of formal principles
and guidelines. He attached two kinds of stamps on the structure and two sorts of reports.
Affixed stamps:
National Bank of Pakistan Stamp
Approved Stamp
Affixed Documents:
NADRA Verification
Signature Card
Account Opening Register

After culmination of step referenced over, the subtleties of record holder, for example, title,
address, CNIC number and telephone number and so on is kept in account opening register.
Opening of Account in BBO (Branch Back Office System)

Subsequent to opening of a record physically it is opened in BBO, so all the exchange executed
by client can be kept in a framework. There are discrete records which are kept up with for various
sorts of records for example
Current Account Ledger (GL Code:555)
Saving Account Ledger (GL Code:567)
Fixed Deposit Account Ledger
Call Deposit Account Ledger
N.I.D.A (GL Code:513)

Unfamiliar Currency Account Ledger GL Code: 591)
Letter of thanks
In the wake of opening of a record in BBO letter of thanks is printed, which is last option gave by
the bank to the client for two purposes for example to express because of clients and to affirm the
location of record holder given by him at the hour of opening the record.
5.4.4.4.2 Issuance of cheque books

The check book will conventionally be given to all clients who need to have pulling out office.
Right away, the check book is given to the client who accompanies the letter of thanks and
demands for the issuance of the really take a look at book. A check book which is given at present
in NBP Service Industry Branch comprises of 25 leaves for Rs. 125.
All resulting check books are given against the demand Slip removed from the past actually look
at book. This slip is appropriately filled and endorsed by the client. The mark of the client is
confirmed by the bank and new check book is given to the client. Chronic quantities of checks,
name and record number are properly placed in the check book issue register of the bank.
In the event that the check book is squandered or lost by clients, they need to present a stamp paper
for issuance of another really look at book. In the event that check book is lost, with stamp paper
account holder should need to submit F.I.R for lost actually look at book. Additionally, with check
book issuance charges for example Rs. 125, Rs. 250 are charged in abundance of that, if there
should be an occurrence of check book lost or wasted by client.
5.4.4.4.3 Closing of records
Account Closing by Customer:

The client can close the record. Client is expected to present an application for shutting of a record.
Then, at that point, the record is shut after derivation of shutting charges i.e., Rs. 250 and the
leftover equilibrium is paid to the client and the application is recorded in Account Closing File.
Remaining leaves of checks will likewise be gathered from the client.
Account Closing by Bank:

All ongoing records which have not been worked for quite some time or all saving records which
have not been worked upon for one year characterize as torpid record. And every one of the
ongoing records which have not been worked upon for quite a long time or all saving records
which have not been worked since 3 years are delegated broken accounts. The activities in accounts

named torpid or defective will stayed suspended except if demand recorded as a hard copy for
enactment or reclamation is gotten from the Account Holder. Assuming that the record holder
neglects to receptive the record regardless of bank's notification, the bank will have the right of
practicing choice of shutting of record and in such case will discount the equilibrium to the client
subsequent to deducting every single pertinent charge.
5.4.4.5 Cash Dealing Department

Cash branch of NBP handle all receipts and installments of money in both neighborhood and
unfamiliar monetary forms. Subsequently it is additionally answerable for the accounting of these
exchanges and the protected authority of money and close to cash protections of NBP.
Cash division of NBP is discrete close part and it carries out following roles.
Cash receipts and installments
Government receipts and installments
Assortment of service bills, and so forth.
The accompanying books are kept up with in the money division:
Getting Cashier Books
Paying Cashier Book
Scroll Books
Cash Balance Book
At the point when money is gotten in counter with pay-in-slip it is placed in Receiving Cashier
Book. At the point when the check or any debatable instrument is introduced at counter for
installment, it is placed in the clerk Payment Book and the installment is made to payee. The merge
figure of receipts and installments of money is placed yet to be determined Book and shutting
equilibrium of money is drawn, for example
OPENING BALANCE + RECEIPT - PAYMENT = CLOSING BALANCE
5.4.4.6 Credit Department

Propels division is among one of the main branches of NBP. Through this division, significant
piece of the benefit is procured. All advances are straightforwardly constrained by the Credit
Management Division of Head Office. Bank is a benefit looking for association so it draws in

stores from the clients at low pace of revenue and makes progresses at a higher pace important to
the people and business firms.
5.4.4.6.1 Types of Advances

The sorts of advances given in NBP Service Industry Branch are:
Request Finance (Gold Finance)
In this sort of funding office, the entire sum which is endorsed to client is paid at one time. Any
individual or gathering, organization or firm and so forth can accomplish this kind of funding. The
increase is determined on the aggregate sum given to client and it ought to be paid or recharged
before the date of definite change. Under request finance Gold adornments are frequently taken as
security for advance in NBP Service Industry Branch. The markup rate on Gold Loan is 15.5%
and sum authorized on net 1 gram of gold is Rs. 2500 and edge is half.
The records which are expected to endorse Gold Loan is as per the following
Borrowers CNIC
Lawful Heirs CNIC
Contact Number
Value sheet of Gold by Gold Smith
5.4.5 Work Done By Me

In Deposit division, I was given guidelines by Mr, Abubakar Zahid in performing various
undertakings which are depicted underneath:
I filled the money pay-in-slips as per client data.
I affirm the mark of record holder and pass checks at cash counters.
I mastered working of BBO framework in this segment.
Readiness of charge and credit vouchers
I cross checked the sum in figures and words composed on checks.
I took in the system for cash store and money installment.
I arranged credit look for Govt. receipts, traffic chalan and power bills.
I arranged F-16 for annuity.

I arranged F-15 for Govt. receipts.
In this office I additionally made Electricity Bills Vouchers
In Credit division, I help the incharge of this division Mrs. Sadia Pervaiz in performing various
assignments which are portrayed underneath:
I Learned about the archives expected for Gold Loan (Demand Finance)
I likewise found out about the estimation of Markup for Gold Loan.
I figure out how to open and close record for gold credit.
I likewise plan vouchers expected for shutting of gold advance.
In Account opening division, I help Mrs. Sadia Pervaiz who enlightened me concerning the
working of this office. Working in this office allowed me an opportunity to comprehend the entire
cycle with interest in light of the fact that as understudy I have found out about it a great deal. My
tasks in this office were:
I fill the record opening structures.
Review the structures to ensure that the structures are sans mistake.
I stepped the reports on the guidance.
I actually look at the fundamentals to join with the structures like ID cards, Application structure.
Then, at that point, I issue the check book and record it under wraps book issue register.
I found out about opening of record in BBO.
I dispatched letter of gratitude to client
5,4.6 Summary of Learning

5.4.6.1 W HAT SKILLS AND QUALI FICATIONS YOU THINK THAT YOU HAVE
GAINED FROM THE INTE RNSHIP ?
I have acquired numerous abilities during temporary position period, which will be useful in future.
The abilities I acquired during my temporary job meeting are as per the following
Time Management Skills

During my temporary job period I have learnt reliability and the meaning of time in an association.
I have understood that using time effectively is a significant component of work. My viable

learning has helped me to focus on and arrange my work as expected that empowered me to finish
my jobs in the distributed time.
Human Skills
I acquired the human abilities in NBP in evident way. Human abilities related with a
representative's capacity to cooperate with other people both as an individual from a gathering as
well as individual pioneer who finishes things through others.
Self Control
Our capacity to practice command over our own way of behaving by setting principles and giving
outcomes to our own decisions alludes to poise. As an internee this expertise is truly significant
on the grounds that an internee doesn't have quite a bit of power.
Co-Ordination
Co-appointment implies the smooth progression of work that should be continued reliably and
methodicallly with next to no breakage. In a professional workplace like financial there is need for
mix making co-appointment a fundamental climate. As an internee it is important to co-ordinate
well with managers and colleagues.
Better Communication Skills

During my BS (Hons) I have gone to seminars on correspondence in various semesters and was
shown how to discuss actually with others. This was my direct insight of speaking with the
administrator and any remaining staff individuals to mingle myself among those experts. This
experience further developed my relational abilities and provided me with the certainty of speaking
with proficient individuals.
5.4.6.2 W HAT KIND OF RESPONSI BILITIES YOU HAVE UN DERTAKEN

DURING THE INTERNSHI P PERIOD ?
During my temporary job in NBP, I have given numerous obligations, which I have achieved by
utilizing my Interpersonal, Communication and Conceptual Skills. However, assuming I found
any liability dangerous or my boss give me some assignment unsafe I generally done that errand
under the oversight of somebody. I took in certain obligations of the functional administrator.
During temporary position I have given the obligation to manage clients, guide them for their
concerns and give them administration what they need for example filling of vouchers. I have
likewise given the mindfully of getting free from checks for which I need to store the checks and
afterward go through all the methodology of clearing. Additionally I help functional chief,

incharge of unfamiliar trade division and complete every one of the obligations given by them for
example
To give data to clients who need to open record with NBP.
Checking that whether all charge and credit exchanges entered in BBO have any monetary proof
in hard structure?
Adjusting of TDR register
In FEX, planning of day to day articulations, getting free from checks and installments of E-
Remittance and so on.
Notwithstanding every one of these, I have likewise given the obligations which I have proactively
referenced in segment 5.4.5.
5.4.6.3 H OW
DO YOU THINK THE INTERNSHIP WILL INFL UENCE YOUR
FUTURE CAREER PLANS ?
I gained some significant knowledge during my entry level position, not many of which are as: I
got the down to earth insight about how to function in an expert climate. I can say that it is an
excellent encounter of doing my temporary position in NBP Service Industry Branch. To apply in
financial area then, at that point, this experience is extremely useful in my meetings and
furthermore has a lot of effect in my viable life to be proficient.
Taking everything into account, I gained some significant experience during my entry level
position since I got down to earth information prior to entering in the pragmatic life. I glean tons
of useful knowledge about banking rehearsing in Pakistan, rules and guidelines and various
systems observed by banks, the hierarchical culture and construction of the bank, National Bank
of Pakistan (NBP). Additionally entry level position gives me the valuable chance to survey myself
and my advantage for future. As I have an excellent encounter of working in NBP, so I have an
uplifting outlook towards banking area. What's more, I will design my future as per my advantage.
5.4.6.4 How do you think the Internship activities that you carried out are
correlated with your classroom knowledge?
The internship as are a channel where whatever is taught in the classroom is applied in the real
world. Internship helps the students to apply all the theoretically learned concepts practically in an
organization.
Internship activities are correlated with classroom knowledge because in classroom we learn how
to record transactions, how to prepare balance sheet, how to deal in adversesituations, how to
manage things, how to communicate with customer and how to satisfy them, but during the
internship we applied these concepts. General observations about the National bank of Pakistan

Service Industry branch Gujrat: Employee’s behavior was too good with their co-workers. Team
management was seen among the management. Employees were cooperative with each other. The
behaviour of staff with the customers was frankly and motivated. They satisfied their customers.
The behaviour of manager with their employees or low level management was motivational and
good. Decentralization decision making is made in National bank of Pakistan because they
consider that employee perform best for us. Management is overall flexible because of if one
employee is on leave another employee know how to perform his task and perform the task of
absent employee. Everyday target is achieved by the employees on time. The supervisors of each
department were cooperative with me they completely guide me how to operate relevant
department. They told me briefly each and everything that is helpful for me in my internship
program. They increased my communication skills with customers. They told me how to welcome
new customer and how to deal with them. Manager behaviour was too good with me and he also
told me about the rules and regulations of their Branch.
6. Conclusion of the Report

6.1 SUMMARY
To cut a long report into short during my whole preparation program, starting from the entry level
position till composing this report, I have understood that the National Bank of Pakistan is a
purposeful organized association and it is serving its clients all over Pakistan through its far
reaching organization of branches. It is offering many administrations and items at simple markup
rates to the esteemed clients. The clients are esteemed and are served at the main goal. The
representatives of the Bank are a lot of helpful and work sincerely hence buckling down for the
outcome of the Bank. Choices are made based on merit yet references and approaches are a lot of
famous in National Bank of Pakistan. The Bank serves individuals well and it has started unique
moral drives while circulating benefits among individuals, particularly the advanced age
individuals who come from far regions to get their annuities. They are managed compassionate
and the Bank environment is very client agreeable.
6.2 Critical ANALYSIS
A. ORGANIZING
I. UNFORTUNATE FILING SYSTEM RECORD
During my entry level position in the bank, I saw that the recording arrangement of the bank isn't
present day and hence, it has a ton of potential for advancement and can be enhanced and
redesigned by utilizing data sets and modernized framework.
B. HUMAN RESOURCE MANAGEMENT

I. JOB ANALYSIS

The work investigation of the bank caused me to understand that certain individuals are basic
alumni accordingly during the recruiting prepared, capable and work arranged individuals are
energized for the gig.
II. EMPLOYEE APPRECIATION
One more vital thing which is disregarded by the bank is appreciation which is given to the worker
on their great execution. Difficult work and execution of representative isn't perceived and valued
which makes disappointment and execution decline.
C. P ROMOTING MANAGEMENT AND CUSTOMER RELATION

MANAGEMENT
I. C LIE N T DEALING AND SATISFACTION
In NBP the managing between the client and the teller is efficient however during the rush clients
need to hang tight for extensive stretches hence it is extremely difficult for a possible client to get
the data. Offices for client support are not legitimate and at some point client feels dithering prior
to moving toward a framework which is obviously muddled because of unfortunate show.
II. LACK OF SECRECY OF CUSTOMER
The Bank obligation depends on mystery yet worker don't keep up with mystery particularly during
the rush they talk boisterously account position and freedom of check so individual can get entire
data from the edge.
III. A B S EN C E OF BUSINESS COMMUNICATION
There is no proper method for giving data to the client. The Bank loses your certainty on the off
chance that a minor disappointment is made and pressure in the psyche of client.
D. I NFORMATION TECHNOLOGY
I. A B S ENC E O F C O MP U TE R TEC H N O LO G Y
One of the issues that were looked by the representatives was the extensive system of the desk
work. Additionally, the absence of PC innovation is troubled over the bank representative so they
can't focus on legitimate consideration on the clients and comprehend their challenges during the
taking care of business.
E. BANKING AND FINANCE

I. LOW PROFIT

NBP gives low benefit rate to their client so the vast majority of the clients have moved their record
to the National Saving Center because of their high benefit. NBP ought to build their benefit rates
to draw in the client.
II. EFFICIENT BANKING
Effective banking is don't stress on number of records however grater measure of store while in
NPB account are all the more yet keeping are low.
F. CONTROLLING
I. MANAGER AUTHORITY
Manager has a restricted power he simply supports the occupation so that when chief is absent in
his office. The client having a sit tight for a long time and I saw that there are postpones in
endorsing credit cases structure the administrative center which makes disappointment the client.
G. P LANNING
I. INCOMPETENT HOD'S
I saw during my work-length that the HOD's in the bank used to slack during the pinnacle hours,
HOD's ought to be more dynamic during the bank top hours and collaborate more with the clients
to help their trust in the Bank. Hypothesis X ought not be followed however the Theory Y ought
to be followed to guarantee more amicability in the air and higher consumer loyalty.
II. LAC K OF PLANNING ABILITIES
I saw that during the responsibility time frames, for example, Pensioner's most memorable seven
day stretch of the Month, there was no well conceived plan contrived by the Manger, he used to
simply lounge around and trust that things will occur, while representatives in all actuality do get
baffled and they don't work by heart which thus impacts the Bank's efficiency.
6.3 SWOT ANALYSIS

For the Environmental checking of the association SWOT examination is finished. It is the
investigation of Strengths, Weaknesses, Opportunities and various Threats an association might
look from the outside climate.
NBP's SWOT investigation is:
A. STRENGTH
Significant Strength of National Bank is its Brand Image and its Brand Name. NBP is viewed as
the Pillar of Pakistan's economy. NBP has the type to rival Pakistan's best Multi-National Banks
and can stay aware of the recently arising patterns of present day banking and PC frameworks.

Throughout the long term, NBP's saved assets have been expanded. NBP is growing business
overall which genuinely is a benefit over rest of the Banks in the Business. NBP holds a
tremendous gathering of clients worldwide and locally. A couple of additional qualities of NBP ar
I. A CULTURAL ORGANIZATION
Being a legal administrator and a specialist of State Bank of Pakistan, NBP invests wholeheartedly
in being a social association, helping clients and residents of all strolls all over the nation and is
one of only a handful of exceptional Banks which has presence in each city of Pakistan.
II. AMICABLE POLICIE
SUnlike different Banks in Pakistan, NBP's client connection and client the board strategies are
more planned towards the client and are cordial, which thus builds the client trust on the Bank
expanding benefits. Plans like Kisan Dost, and Rozgar plot have assisted many individuals with
developing their organizations.
III. UNIQUE POLICIES

FOR INDUSTRIES
Plans like Investor Advantage advance Industries; NBP has a colossal pool of Industrial clients
available to its.
IV. ONE OF THE MOST INCREDIBLE RESEARCH TEAM
As expressed previously, as a legal administrator of the State Bank of Pakistan, National Bank has
an exclusive class of explores and Financial research organizations, who are continually dealing
with making the Bank's tasks more smooth and dependable and achieving the effective outcomes.
V. STRATEGIC MANAGEMENT
The top administration of the Bank as expressed before is exceptionally essential; they devise the
methodologies subsequent to talking with the scientists, and endorse procedures which thusly
benefit the Bank in lengthy run.
VI. FACILITATING THE CUSTOMERS
Having Branches all around the nation is one approach to giving straightforwardness to clients,
alongside this office of having a neighborhood Bank, NBP's strategies are exceptionally client
situated.
VII. AAA/A-1+ RATED BANK
State Bank of Pakistan has evaluated NPB as AAA/A-1+ Bank. This for sure shows the strength
of the Bank.

VIII. HAVING THE LARGEST NUMBER OF ACCOUNTS IN PAKISTAN
Due to having branches in all around the country NBP has accomplished the achievement of having
biggest client pool as contrast with some other Bank in Pakistan.
IX. IT IS A GOVERNMENT BANK
A large portion of the Government Issues, similar to benefits, reserves and different assets are
managed by NBP, being a Government Bank; it serves individuals all around, where State Bank
can't reach.
B.WEAKNESSES:
Scaling down has been the greatest shortcoming of NBP. Many dedicated workers were
approached to leave on account of the scaling down. Part of disarray is tracked down in the
representatives.
Undeniable level Managers are recruited from popular foundations and associations. As those
workers have an alternate foundation, it makes it hard for them to settle on solid choice which can
be in advantage of this bank. Scaling down made numerous clients of NBP leave. This cutting
back made dangers the bank as the contenders made use. NBP is losing the Market share and its
client's smooth out. Barely any significant shortcomings of NBP are given beneath.
I. RURAL SECTOR DEVELOPMENT IS GIVEN LESS ATTENTION
Remembering the way that I worked in the Service Industry Branch, I saw that tiny consideration
was given to our bank, the more further you go from huge urban areas, the less consideration is
given to the Banks.
II. ABSENCE OF NETWORK CAPABILITIES
Organizing Infrastructure in our Bank was disgraceful. Likewise the correspondence between the
branches is extremely hard and tedious.
III. UNFOTUNATE ADVERTISEMENT PLAN
During my temporary position and when I wasn't doing temporary job, I have consistently seen
NBP on a back foot with regards to notice. No promotion plans are carried out; I could scarcely
track down any handout or flare in our Branch.
IV. ABSENCE OF TECHNICAL KNOWLEDGE
I noticed the representatives of the NBP are not technicaly exceptional, they miss the mark on
fundamental ability of the PC.

V. QUESTIONABLE JOB DESCRIPTIONS
Jobs of the representatives are not as expected characterized, I saw calm a couple of laborers
evolving seats, taking care of money, engaging clients, the sets of expectations will be
appropriately composed and carried out rigorously.
C. Opportunities :
An extremely brilliant expert future lies in front of NBP. NBP has concocted a colossal
arrangement to procure back its lost position and the client smooth out from very much like they
had before and to expand their productivity and recover the trust of the clients very much like they
used to have previously. Moreover, NBP is the main bank which gives overall population the
simplicity of presenting their service charges the entire day. The generosity of the NBP is
something that no contender can accomplish the manner in which NBP has made it happen.
I. GREAT IMAGE AMONG THE PEOPLE
Being the People's bank and having trust of the clients is an extraordinary benefit for the Bank to
accomplish new skylines of Banking and achievement.
II. RAPID INDUSTRIAL GROWTH
Modern development in the nation is an extraordinary chance for the Bank to present new open
doors and plans for modern clients and increment the Bank's Potential.
III. PRESENTLY INTRODUCING THE MICRO FINANCING
Miniature Financing has additionally been acquainted with draw in large financial backers.
IV. AGENT OF STATE BANK OF PAKISTAN
As expressed not many times before, being the legal administrator and specialist of the State Bank
Pakistan, this imprint and name can assist the Bank with making progress in the approaching
future.
V. TRAINING AND DISCIPLINE
Bank staff ought to be more expert and furnished with the Basic IT Knowledge and skill to utilize
the Computers.
C. Threats:

Small Banks are not a danger to NBP's standing as the Customer Pool of NBP is loaded with
tremendous financial backers so these little banks can't danger the uprightness of NBP. In any case,
the significant opponents of the Bank incorporate HBL and Bank Alfalah which can be a danger
to NBP as they are arising exceptionally quick. A portion of different treats that NBP is confronting
are:
I. POLITICAL INSTABILITY IN THE COUNTRY
Political Instability in the Country is an exceptionally significant danger for the Bank as the Bank
is going about as the legal administrator of State Bank of Pakistan.
II. RECENTLY EMERGING COMPETITORS
Expanding rivalry is bringing about losing the clients.
III. ABSENCE OF MODERN TECHNIQUES
NBP comes up short on Modern Banking Techniques. Which gives its rivals a benefit to assume
control over the bank in client number.
IV. EXPANDING CUSTOMER COMPLAINTS
Clients are grumbling about the inadequacy of the staff.
V. RIVALARY IS INCREASING DAY BY DAY
New banks are opening, contest is expanding, NBP needs to work on quality or they will wind up
losing their current clients as well.
7. Recommendations
Coming up next are the some certain idea and proposal for the NBP.
•As I would see it the exchange cycle ought to be short with the goal that the time is put something
aside for both the clients and the bank.
•Staff strength ought to be streamlined and proficient qualified people ought to be recruited based
on merit.
•Individual Marketing and Professional demeanor.
•Eliminate the Nepotism and Create Delegation of Authority.
•It is suggested that legitimate preparation ought to be given to the staff individuals which will at
last expand the exhibition of Bank over all.

•To support the work fulfillment, NBP needs to offer advancements and motivating forces now
and again.
•Climate and Atmosphere ought to be more remodeled and adorned at the Branch workplaces.
•The bank ought to spend more on redesign of the branches to further develop climate and air to
draw in the clients.
•NBP necessities to carry out PC programming to deal with the heap of work.•There is absence of
counters in the bank; more counters will be acquainted with work with the clients.
•NBP necessities to send off versatile banking
•Just two gatekeepers were available at the branch, the security level was not very great at the
branch; security should be cared for.
•For old matured clients and retired people the Bank needs to present another counter also which
is devoted to them the entire day.
•I saw no review group come in for examination during my work length, assessment groups ought
to work all the more productively.
•At our branch there was no different counter for Utility bills, there ought to be a different counter
for a wide range of service bills.
•They need to upgrade the most common way of designating credits to be in a speedier way.
•Give genuine data to the Shareholders.
•NBP is currently expected to put resources into those businesses which are productive for it for
example Yet again pakistan Film Industry, Establish the Textile Industry, Armed Force Weapon
Industry and additionally give the Micro money to the Home Industry.
•All of the above ultimately give fulfillment to the client.

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Internship Report on National Bank of Pakistan

Name: Muhammad Abdullah Javed

Submittedito:i Assistant professer Tassadaq Hussain Warraich

Date of Submission: 15-08-2022

Internship Report on National Bank of Pakistan

Abdullah Javed (20016820 - 031)

Abdullah Javed (20016820 - 031)

Abdullah Javed (20016820 - 031)

4. Executive Summary of the Internship

5. Main Body of Report

Abdullah Javed (20016820 - 031)

•Regulating a legitimacy and execution culture.

•Making an unmistakable brand character by giving the best quality of administrations.

•Taking on the best worldwide administration standard.

•Boosting partner's worth.

•Systematization of cooperation and execution culture.

•Progression of abilities for the upcoming difficulties.

•Familiarity with social and local area obligations.

•Esteem creation for all partners.

5.2.2 Nature of the Organization

Abdullah Javed (20016820 - 031)

5.2.3 Awards and Achievements

Commitment to National Economy â€" by Federation of Pakistan Chambers of Commerce and

Corporate and Investment Banking Services â€" by Federation of Pakistan Chambers of

Abdullah Javed (20016820 - 031)

"Buyer Finance Product of the year-Pakistan" by Asian Banking and Finance.

"Provincial Bank of the Year-Pakistan" granted by Asian Banking and Finance.

Consideration of NBP in FTSE Index-Certificate of enrollment "FTSE".

Exchange Finance Program (TFP) "Economic agreement of the year" grant.

Obligation Summit and Awards coordinated by The Professionals Network:

Best CSR Services for the Year

Sports and Cultural Support

Best administrations in Health and Education

Cause Advocacy Awareness Campaign

Abdullah Javed (20016820 - 031)

Sports and Recreational Activities

5.2.4 Product / Service Lines

Abdullah Javed (20016820 - 031)

Allow us to assist with causing your fantasies to turn into a reality

Increment home settlements through the financial framework

 NBP is giving home settlement administrations with next to no charges.

 Severe observing of the framework is finished to guarantee the most noteworthy

Abdullah Javed (20016820 - 031)

 Exceptional messenger administrations are employed for speedy conveyance of home

Short term Investments

 Investment into the capital market

 Introduction of capital market

National Income Daily Account (N.I.D.A)

Abdullah Javed (20016820 - 031)

Trade Finance and Other Business Loans

Agrarian Finance Services:

Giving dependable framework to agrarian clients

Agriculture Credit (Medium Term):

Abdullah Javed (20016820 - 031)

Working Capital and Short Term Loans:

Medium term credits and Capital Expenditure Financing:

Credit Structuring and Syndication:

Cash Management Services:

Abdullah Javed (20016820 - 031)

5.2.6 Contribution of Organization toward Economic Development