SHAH ABDUL LATIF UNIVERSITY, KHAIRPUR

INSTITUTE OF BUSINESS ADMINISTRATION

Business Internship Report

on
National Bank of Pakistan (Main Branch Khairpur)

Shah Nawaz
(BBA-IV, 16-163)

Supervisor
Dr. Irfan Ali Mirani

2019
 LETTER OF UNDERTAKING

I am Shahnawaz student of Business Administration SALU ID No: BBA-IV (163)

here by confirming that the internship report I have provided is solely my own efforts
it didn’t copy my report partially or completely from any other student. I further
confirm that the documents (internship completion certificate) that I have provided
genuine (i.e. not fake) and I have been issued by the authorized person in the
organization if I am found guilty of misstating misleading concealing the facts about
my activities at any stage, University is authorized to take disciplinary action me
according to university policies and regulations.

I hereby also confirm that I have carefully read and understood all guidelines rules
and regulations provided by the course instructor in class. I assure that I will follow
the instruction regarding viva voice and will appear on the schedule that fore the viva
which will be intimated to by course and instructor in the case of any negligence I
shall be held responsible.

Name……………………………

Signature………………………

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INTERNSHIP CERTIFICATE

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 DEDICATION

I would like to dedicate this work of mine to my parents and teachers who have
always prayed for me and helped in every difficult situation. I would not forget my
brother Mir Murtaza who checked my entire work and gave me suggestions for
improving the report.

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 ACKNOWLEDGEMENT

At first, I would like to express my gratitude to Almighty Allah for enabling me the
strength and opportunity to complete the report on the time successfully. I am taking
this privilege to deliver my thankfulness to each people who are involved with me in
every phase of our lives. I am thankful to my parents without whom I cannot be here.
I express my sincere gratitude to Branch Manager Mr Khadim Soomro (AVP) and Mr
Qamar Shah (Main Branch Khairpur) to give me the opportunity to proceed on my
internship in National Bank of Pakistan and He always motivates and encourages to
participate.

I am very thankful to the staff member of NBP Main branch Khairpur Mir’s. That
they have guide and provide me valuable information. Regarding my report.

Finally, I am thankful to the most merciful and almighty Allah who give me the
strengths that I fulfill my task. with Efficiently

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 EXECUTIVE SUMMARY

This document is the internship report that shows my experience and observations in
the NBP Main branch. I officially introduced the bank, set out its vision, mission and
objectives and highlighted the products on offer and its Main competitors. Then I
discussed the organizational structure by discussing the organizational hierarchy.

Then I introduced the branch I worked in, explained the distribution of the workforce
in the bank, and then indicated the length of my internship in the bank and the
services I served. Then I followed the training phase during which I was taught the
basic processes involved in the operation of the bank, such as opening accounts,
distribution, etc. Next, I explained how banks are managed and planned to Maintain
the regular bank flow.

I also discussed organizational procedures followed by employees such as managers,

computer experts, and then explained the role of management and their role in
controlling the bank.

After that, I have performed the critical analysis of the bank in which I stated how
poor the filing system and jobs management system was. I also stated how the
employee-customer relation can be improved and the technology in use can be
improved. Moreover, the low profit and its affects are also discussed. Moreover, the
issues regarding customer-privacy. Finally, I stated the aspects of the bank where it
shines, the places where it is in the shadows, the potential opportunities that can
enhance the bank’s working and finally the threats that endanger the bank. And then I
concluded the report with my comments.

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 TABLE OF CONTENTS

1. OVERVIEW OF THE ORGANIZATION….…………..…………………...….1

1.1. Brief History And Overview Of Bank.………………..……………...….......2

1.2. Introduction Of National Bank..........................................................................3

1.2.1. vision.......................................................................................................4

1.2.2. mission....................................................................................................4

1.3. Policy Of The Organization..............................................................................4

1.4. Competitors Of National Bank..........................................................................5

2. ORGANIZATION STRUCTURE..........................................................................6

2.1. Organization Structure Of The Branch.............................................................6

2.2. Number Of Employees......................................................................................6

2.3. Introduction Of All The Departments...............................................................7

2.3.1. account opening......................................................................................7

2.3.2. remittance and bill section......................................................................8

2.3.3. clearing section.......................................................................................9

2.3.4. dispatching defination..........................................................................10

2.3.5 dispatcher..............................................................................................10

2.3.6.foreign exchange and advanced loans...................................................11

2.4. Comments On The Organizational Structure.................................................12

3. PLAN OF MY INTERNSHIP PROGRAM........................................................13

3.1. Internship Branch Introduction......................................................................13

3.2. Name Of Training Departments And Duration..............................................14

4. TRAINING PROGRAM......................................................................................16

4.1. Description Of Activities:..............................................................................16

4.1.1. relationship management.....................................................................16

4.1.2. operations.............................................................................................16

4.2. Supervision Of All Operations And Functions..............................................17

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 4.2.1. cash officer.........................................................................................17

4.2.2. loan officers........................................................................................18

5. REFLECTIVE JOURNAL ENTRIES...............................................................19

5.1. First Week.....................................................................................................19

5.2. Second Week.................................................................................................20

5.3. Third Week....................................................................................................21

5.4. Fourth Week..................................................................................................21

5.5. Fifth Week.....................................................................................................22

5.6. Sixth Week....................................................................................................23

5.7. Seventh Week...............................................................................................23

5.8. Eighth Week.................................................................................................23

5.9. Interpret The Events.....................................................................................24

5.10. E-Evaluate..................................................................................................25

5.11. Programming Plan......................................................................................25

5.12. Work Sample..............................................................................................25

6. CRITICAL ANALYSES (theory vs. Practical)................................................26

7. SWOT ANALYSIS..............................................................................................28

7.1. Strengths.......................................................................................................28

7.2. Weaknesses...................................................................................................29

7.3. Opportunities................................................................................................29

7.4. Threats..........................................................................................................30

8. CONCLUSIONS..................................................................................................32

9. RECOMMENDATIONS....................................................................................32

REFRENCES AND SOURCES.............................................................................35

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 1.OVERVIEW OF THE ORGANIZATION
1.1. Brief historical overview of a National Bank of Pakistan
The National Bank of Pakistan was established on November 9, 1949, under the
auspices of the National Bank of Pakistan (1949) to deal with the post-trade crisis,
conditions, stalemate with India and deflation by the rupee. In 1949, the Bank was
created to increase credit to the agricultural sector.

The normal procedure for setting up a banking company under the Companies Act
was cancelled and the bank was created by the promulgation of an ordinance due to
the jute trade finance crisis.

The Bank began operations on November 20, 1949, in six major jute centres in
eastern Pakistan and directed its resources towards financing the jute harvest. The
Bank's offices in Karachi and Lahore then opened in December 1949.

The nature of the Bank's responsibilities is different and unique compared to other
banks / financial institutions. The Bank acts as a mediator with the State Bank of
Pakistan for processing receipts and payments from provincial and federal
governments.

The Bank has also played a leading role in financing the country's expanding trade,
which has grown over the years because of diversification. Today, the Bank finances
imports/exports in the amount of 52.7 billion rupees while in 1960 this was only 1.54
billion rupees. The Bank has also played a key role in financing the growth of the
country's trade, which has grown over the years as diversification has taken place.

The National Bank of Pakistan Maintains its position as Pakistan's leading bank
determined to set higher standards of success. It is the Main trading partner of the
Pakistani government. It is particularly focused on stimulating the country's economic
growth through dynamic and balanced credit policies, high-tech products and services
provided through its extensive network of branches and local and international
offices. of representation.

Bank of the Year 2002: Recognized for the year 2002 by the worldwide reputation
"The Banker", a magazine held by the Financial Times Group, London, best-emerging
markets magazine: first global financial newspaper, "Global

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Bank of the Year "for the year 2004 by the world-renowned magazine" The Banker ",
owned by the Financial Times Group, London. Magazine "Eurobond", a leading and
prestigious magazine, published in London, UK, in its March 2005 issue published
Moody's.

Investors Service ranks NBP in the only Pakistani bank to be ranked in the Top 100
Asian Banks for its financial results in fiscal 2003. The global financial magazine,
Global Finance, in an exclusive survey, has designated BP as the cheaper emerging.
Bank of Pakistan for the year 2005.

All Pakistan, Pakistan's Prime Minister Shaukat Aziz has awarded the Pakistani Prime
Minister the "Kisan Times Award" for his services in the agricultural sector. Bank of
the Year Awarded for the year 2005 by the world-renowned "The Banker" magazine
of the Financial Times Group in London.

In July 2005, "Banker Magazine" described NBP as the 10th best bank in terms of
"Profit on capital" in the world. Based on the overall financial performance in 2004,
NBP was ranked "among the 1000 largest banks in the world". and "Number 1 Bank
in Pakistan" of the prestigious "Banker magazine" in its July 2005 issue.

Asian Banker, a very respectable financial review, has published the report of its
research project on the ranking of the 300 largest Asian banks based on 11-
dimensional dynamic rating criteria designated the National Bank of Pakistan as the
stronger banks of Pakistan. "Best Bank-Pakistan" prize for the year 2005 by the global
financial magazine "Global Finance". "Best foreign exchange bank in Pakistan" for
the year 2005 by the global financial magazine "Global Finance". Due to the steady
improvement in core profitability, asset quality and economic capitalization of NBP in
recent years, Moody's Investors upgraded the Financial Soundness Threshold (FSR)
in November 2005.

Best foreign exchange bank in Pakistan "for the year 2006 by the global financial
magazine" Global Finance ". The global financial magazine, Global Finance, has
named NBP as the best-emerging market's bank in Pakistan for the year 2006. In
summary, the National Bank of Pakistan, through its extensive network of branches,
has contributed to the development of the industry from the country.

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1.2. Introduction of National Bank
The National Bank of Pakistan is part of Pakistan's struggle for economic
independence. The National Bank of Pakistan was created on November 1949, under
the authority of the National Bank of Pakistan (1949) to deal with the crisis conditions
created after the stalemate with India and the devaluation of the Indian rupee. in 1949.
It was originally created the goal of extending credit to the agricultural sector.

The normal procedure for setting up a banking company under the Companies Act
was set aside and the bank was created by the promulgation of an ordinance due to the
crisis in the financing of the jute trade. The Bank began operations on November 20,
1949, in six major jute centres in East Pakistan at the time, and directed its resources
towards the financing of the jute harvest. The Bank's offices in Karachi and Lahore
then opened in December 1949. The National Bank of Pakistan opened its offices in
the cotton producing areas and extended generous credit facilities to Maintain its
market strength.

In 1951, the country was once again facing a cotton trade crisis as prices fell and
reached their lowest level since independence after the end of the conflict in Korea.
Bank co-operation with the Cotton Board provided the necessary credit facilities for
trade and the crisis was shaken. The nature of the Bank's responsibilities is different
and unique compared to other banks / financial institutions. The Bank acts as a
mediator with the State Bank of Pakistan for processing receipts and payments from
provincial and federal governments. The Bank has also played a leading role in
financing the growth of the country's trade, which has continued over the years as
diversification has taken place.

The National Bank of Pakistan is headquartered in Karachi, Pakistan. The bank

operates 1,249 branches (2008) in Pakistan and 22 branches abroad (2008). Under a
deed of trust, the bank also provides services as trustees to National Investment Trust
(NIT), including securities protection on behalf of NIT.2008. It is now a progressive,
efficient and customer-oriented institution. In 1950, the Bank owned a subsidiary 'The
Bank of Bahawalpur', established on 4 December 1947 by the former state of
Bahawalpur. At that time, NBP had branches in London and Calcutta.1957 The NBP
had established a branch in Baghdad, Iraq

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1.2.1. Vision

To be recognized as a trusted leader and brand, standards of quality of service, social

responsibility and best international policies.

1.2.2. Mission
• NBP will aspire to the values that make NBP a truly national bank.
• Establishment of a culture of merit and performance.
• Create a distinctive brand identity by providing the highest standards of service.
• Adopt international best management practices.
• Maximize the value of stakeholders.
• Discharge our responsibilities as a corporate citizen of Pakistan and the countries in
which we operate.

1.3. Policy of the organization

Islamabad, February 11: Ignoring its policies and rules, the National Bank of Pakistan
has granted a loan of Rs 8.9 million to Pakistan's Chief Justice Abdul Hameed Dogar
as part of the flagship housing finance program. Saibaan "learned from the bank”.

The waivers in principle were approved by the bank's high-level credit committee on
the grounds that the plaintiff "is acting as chief justice of Pakistan," the NBP says.

The loan of Rs 8.9 million is repayable in 11 years at a profit margin rate of 9.25%,
instead of the Saibaan standard rate of 13%. Mr Abdul Hameed Dogar was sworn in
as Chief Justice of Pakistan on November 3, 2007, and applied for the loan two days
later, November 5, according to the NBP file available from Dawn. His current rate at
Standard Chartered Bank was 9.64%.

When contacted for comment, Abbas Zaidi, the Chief Justice's private secretary,
stated that he was aware of the matter but that obviously the Chief Justice could not
speak to the media. He said that only the clerk's office was allowed to comment on the
subject. The Registrar of the Supreme Court, Raja Lehrasib Khan, took the time to
consult, then responded by stating that the report was totally unfounded and that even
the NBP had denied the report. All Saibaan loans generate a profit margin of about
13%, but the loan to the Chief Justice has been extended at an unusually low rate of
9.25%. The credit committee of the bank has the power to reduce the 1% profit
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margin for home country financing only based on a satisfactory credit history of at
least 12 months.

1.4. Competitors of a National Bank

The competitors of the National Bank of Pakistan are all listed banks in accordance
with the Banking Companies Ordinance 1962.
1. Competitive banks are as below
2. Habib Bank Limited
3. United Bank Limited
4. Muslim Commercial Bank Limited
5. Allied Bank Limited
6. Askari Commercial Bank Limited
7. Soneri Bank Limited
8. Bank Al-Habib Limited
9. Bank Al-Falah Limited
10. Meezan Bank Limited

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 2. ORGANIZATION STRUCTURE
2.1. Organization structure of the branch
A well-developed and well-coordinated structure is an essential condition for the
success of any organization. It provides the vital structure within which functions and
procedures are performed. Every organization needs a structure that provides a
framework for successful operations. The functioning of an organization includes the
number of activities related to decision-making and the communication of those
decisions. These activities need to be well coordinated so that the objectives of the
organization are successfully achieved. An organization hierarchy chart is given in
figure 2.1 below:

Figure 2.1, Source: NBP Annual Report 2018

2.2. Number of employees

Name of branch National bank of Pakistan (Main Branch Khairpur)
Branch code 0009
Region Sukkur

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Region code 09
Address Near Kacheri Road, District Khairpur Mir’s
Phone Number 0243-750508
Fax 0243-750506
Name of manager Khadim Ali Soomro
Number of Employees 24

2.3. Introduction of all the departments

Names of the department where I worked
I worked in the following departments during my internship at the National Bank of
Pakistan.
1. Account opening
2. Remittances and invoices section
3. Compensation section
4. sending
5. Foreign currency loans and loans in advance
6. Government Department (Pension)

2.3.1. Account opening

Completing the forms and guiding the clients who were not known to fill out their
forms was my job. I used to check all the requirements and attachments of the
documents and send it to Mr Lal Bux who would sign all the documents and then sign
all the interested parties. the staff has been hired and the new account opened;
normally, opening a new account takes 3 to 4 days.

Here, I observed the process of opening an account. I also learned the basic
requirements to open an account in NBP, which means that the customer establishes a
relationship between the bank and him. Like other banks, NBP also ensures that the
applicant requesting the account is a potential customer or not. After verification, the
occupation, integrity and nature of the applicant's business are determined by
references. The margin of error at this time is very small; a small mistake can lead to
bigger problems.

In order for the opening of the accounts to be concrete and orderly, the Pakistan
Federal Banking Officer asked all the banks to keep all the details and operations of

7
the account opening process, as well as all the details of the process. the person who
submitted the account. a customer at the bank. The applicant must be introduced or
referenced by another existing customer of the bank. The account holder's signatures
are recorded on the account opening forms and verified by the bank manager.

1. The bank also requires a copy of the NIC.

2. Bank reserves the right to reject the customer's request without any reason.
3. A unique account number is assigned to the applicant.
4. Nature of the account determines the amount deposited at the time of the opening
of an account.

The basic requirements of the application form are

1. Account title
2. Full name of the applicant
3. Customer's profession
4. Customer's address
5. Customer's phone number
6. The currency of the account
7. Commercial nature
8. Name, address and number of the referring client
9. Accounts = special instructions
10. Amount to be deposited initially on the account
11. Signature of Applicant

2.3.2. Remittance and Bill Section

Remittance is another important department of the bank. People send their money to
other people and organizations by different means: bank draft, wire transfer, wire
transfer, vouchers, government. Draft and Western Union Money Transfer, etc. It
works both indoors and outdoors. Customers collect their money/amount through
invoices. They mail their checks, drafts and other bills to be collected in the city and
out of town. Today, online banking is becoming more and more popular for this
purpose, but the branch where I trained did not have this service.

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Here, in the remittance service, I used to place payment orders, Demand Draft,
transaction forms, funds transfers, and Demand Draft Receipts. During these
transactions, I also kept a check on the customer's account as if it were closed or not.

2.3.3. Clearing section

Remittances are another important department of the bank. People send their money
to other people and organizations by different means: bank draft, wire transfer, wire
transfer, vouchers, government. Draft and Western Union Money Transfer, etc. It
works both indoors and outdoors. Customers collect their money/amount through
invoices. They mail their checks and I worked in the clearing section where my Main
responsibilities were to clean checks and securities. There are two stamps affixed to
each cherub, sent for cleaning:

1. Cross stamp
2. Manager stamp

Check clearance controls intra-city controls. These checks are first noted in a
newspaper; Here different numbers are assigned to these controls. After entering the
checks and giving them numbers, a Performa in which are recorded the details of the
shooter, the number of the check, the amount, who takes the money. After that, the
check is mailed with his Performa filled.

Here, I used to enter check data into the computer system to check whether the
account withheld this amount, after the check of the amount, the transaction was made
in the system and, as the bank was still using the old forms of record keeping, a record
is also kept and I entered the amount, the name of the person who withdraws the
money in case of open check, the date and the signature of the person who withdraws
the moneys it is other than the account holder, and stamped the check to declare it
take money at the counter and give a token to the customer and write the number of
the token on the check so that the counter can call the specific customer; here I felt the
need for the current banking system because it has automatic counters and computer
systems that are not available. in this branch of jobholders NBP.es, bills and other
bills to withdraw in the city and out of the city. Today, online banking is becoming
more and more popular for this purpose, but the branch where I trained did not have
this service.

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Here, in the remittance service, I used to place payment orders, DDs, transaction
forms, funds transfers, and DDRs. During these transactions, I also kept a check on
the customer's account as if it were closed or not

2.3.4. Dispatching Definition

Dispatching is a physical function, in which we transfer daily transactions to the
operating facility via the validation of transactions and instructions with a business
plan developed previously and established by the service planning section.

2.3.5. Dispatcher
A dispatcher is a person who will perform the dispatching system. The dispatch
function determines who should do the work. A dispatcher knows how to keep official
documents and explore daily transactions.

There are two types of shipping function

Centralized dispatch system:

In this type of dispatch system, the dispatch service sends the transaction directly to
the other branches. It Maintains a complete record of each transaction of each
function. It has the following advantages.

More overall control can be achieved. Effective coordination between different

facilities is possible. It has more flexibility because of the urgency of the orders;
schedule changes can be affected quickly without disrupting the entire system. Order
progress can be easily evaluated at any time because all information is available at a
central point. There is efficient and better use of labour and machinery.

My role as dispatcher My role as the dispatcher was

1. As a communication dispatcher.
2. As a computer-assisted dispatcher.
3. Perform the duties of a shift supervisor/master dispatcher.
4. Government Department (Pension) Assume the functions of the dispatcher to
Maintain daily transactions.

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2.3.6. Foreign exchange and advanced loans
In the current banking system, the foreign exchange service plays a vital role in all
functions. It parallels the general banking sector with additional import and export
functions. Foreign currencies are controlled by the State Bank of Pakistan. The rules
and regulations are defined by SBP. In the Advanced Loans section, I used to check
customers who had not yet paid their loans and their profit margin to the bank. Each
of these clients has been followed and called. If the payment is made, everything is
flat. but if the customer does not pay the amount, the bank blames him. I have worked
to provide loans to different clients under different schemes; Mainly the Rozgar diet
was targeted. I used to write loan reports, which contained all customer data and the
number of their loans to head office monthly.

NBP also manages international banking through its foreign exchange department. All
transactions are made at the rate authorized by the State Bank of Pakistan (SBP). To
this end, the US dollar has been set by SBP and the rate of other currencies is
calculated in accordance with the formula approved by SBP and published daily by
Foreign Exchange.

Rates Committee in Karachi. The head office of NBP ensures that branches receive
the rates published by the exchange rate committee on the same day. Currency
payment mechanism.

Imports advanced to the importer.

Export advances to exporters.

I spent a week of internship in the government pensions section. Here two types of
pensions are granted to pensioners.

1. Pension for retired officials.

2. Old-age pension of employees.

The pension is paid to the pensioners at each date of the month. Each retiree has his or
her own copy of the pension showing all the details of the pension, including the date
of receipt, the amount of money and any increase if approved by the government.

I used to fill in the pensioner's pension book, check the previous pension records to
see when the last pension was taken, because the Government of Pakistan was

11
constantly changing the percentages of the pensioner's pension, I had the used to
calculate the gap in their pensions and pension board's updated pension book. Here, I
made sure that the holder himself was receiving the pension to ensure transparency. I
used to sign their pension form with the tickets and approve the cash payment. The
first week of the month is still busy and the bank was full of pensioners, there were no
special arrangements for the elderly and the ladies, people came from far away to
receive their pensions and the bank was not even enough benches to entertain them.
The recent increase in the pension of the retired government. employees are listed
below. Retired retiree before 31-11-2000 20% increase Retired pensioner after 31-11-
2000, 15% increase A medical allowance is also granted to the pensioner according to
the following ratio. Retirees retired below 15% increase.

2.3.7. Comments on the organizational structure

The National Bank of Pakistan is a major contributor to the establishment of a broad
banking structure in Pakistan, serving all aspects of national life and all levels of
society. NBP is fully aware of the evolution of the world situation as well as the
evolution of the economic and social situation within the country, the bank is
determined to take up new challenges by redefining its objectives and strategy.

Organizational structure is a hierarchical structure as shown above organization

structure. In a hierarchical structure,employeeis ranked at different levels within the
organisation, each level is one above the other.

At each stage in the chain, one person has several employees directly under them,
within their span of control. NBP organization structure is flat hierarchical
organisation has few levels vertical integrated. In this structure that simplifies, clarify
authority, responsibility and accountability relationship. It promotes fast decision
making and simple to understand. The branch structure is also a vertical hierarchy
structure that’s simple to understand with clear lines of authority.

The organization structure is organized into different department cash department,

credit department, finance department, Remittances department the number of
specialized employees into different department they are providing only concern
department services all the employees are trained and highly qualified and then some
are less qualified.

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 3. PLAN OF MY INTERNSHIP PROGRAM
3.1. Internship branch Introduction
I was selected for an internship in national bank of Pakistan in Main branch to do an
internship the six weeks internship gave me a greater practical knowledge about the
operations of a bank. The national bank of Pakistan one of the biggest operating bank.
Banks operating time is 9am to 5pm, 6 days in a week, it offers all the products and
services designed by their central office as mentioned and Maintains their compliance
with the policies and procedures issued by their heads from head office or state bank
of Pakistan which is located at Karachi. National bank of Pakistan or Branch it is also
area office.
There are 2 Main department in NBP Bank (MAIN Branch) that’s Operation
Department Loan Officers (LO) (Male and female) works under the authority of
Relationship Manager (RM) and in Operation Department, CSO (Customer Service
Officer), CAO (Credit Administration Officer) and cashier works under the authority
of Operation Manager (OM) and Relationship Manager (RM) and Operation Manager
(OM) work under the authority of Branch Manager (BM). And. ACO (Area
Coordinator Officer) and DS (Distributor Supervisor) works under the authority of
Area Manager (AM). ACO (Area Coordinator Officer) manage work of all operations
of branches of one area and DS (Distributor Supervisor) provide all things that each
area branches need it to create distributor link between headquarter and area branches.

The names of employees that are designated at various places in the bank are given in
table 3.1.

Name Designation

Mr. Khadim Ali Soomro Branch Manager

Mr.Qamar Shah Operation Manager
Mr. Yaqub Joyo Head Cashier
Mr.Hafiz Ali Cashier
Mr.Nadeem Ali Chowkidar

Table 3.1

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3.2. Name of training departments and duration:
I worked in the following departments during my internship at the National Bank of
Pakistan.

1. opening an account
2. Remittances and invoices section
3. Compensation section
4. Sending
5. Foreign currency loan and advance
6. Government Department (Pension)

The duration of the internship program was eight weeks. The branch staff was very
cooperative. They gave me training in all departments of the branch, ie the opening of
accounts, the cash department, the remittances service, the reconciliation service,
billing/collection, credit and payday advance. From June 13 to August 19, 2019. I
worked at the account opening service, where I learned how to open an account, close
an account and manage an account from July 13 to 19, 2019. I worked in the treasury
department in which I learned how to collect money and in the manual cash
management department from August 7 to 13, 2019. I worked in the department of
credits and advances (department where I learned how to allocate funds in different
portfolios. The key is to enable students to use management techniques and discover
the possible solution to the management problems encountered by the organization.

The report is based on my eight-week internship program at the National Bank of

Pakistan. The data collection methodology is both primary and secondary. The
biggest source of information is my personal experience. During my internship, I go
through all the sections. The concepts I studied in BBA with specialization in
Finance. I prepared this report after my internship which is the necessary part of the
Bachelor of Business Administration. In this report, I mentioned what I learned in
NBP after noting my internship program in this report. In this report, I mention the
departments in which I worked and gained practical experience. The internship is an
excellent tool to acquire practical and professional knowledge. The business
department entrusted me with the task of doing an internship in any company.
Therefore, for the achievement of this university requirement, I selected the National
Bank of Pakistan. It is a big bank supported by the government. I worked in the NBP

14
bank, only 8 weeks in different departments. During my stay in the department, I
learned a lot of activities carried out by this department.

I will show the tasks I did during my internship period. After that, the Main part of
my report will be launched, it will be the banking function. I clearly wrote the NBP
banking function, the allocation of funds, the source of funds, and so on.

Another essential part of my report is the critical analysis, where I observed, in

accordance with my theoretical perception, the questions relating to national banks.
At the end of the report, after the conclusion, I wrote the recommendations and
suggestions needed to improve the NBP.

15
 4. TRAINING PROGRAM
During my internship at NBP, I found that the theoretical concepts I studied at SALU
were applied throughout most of the industry. The theory and examples I studied in
financial accounting of bank reconciliation, ledgers and balance sheets were actively
and strictly followed. The defined hierarchy of the organization has been strictly
followed. The POLCA (Plaining, Organizing, Leading, Controlling and Assurance)
function was at its best, the Bank Manager plans the controls, defines the workflow
and ensures that the staff do their best. I noticed that our manager was following the X
theory while observing carefully all the activities of the staff and that he was also
sometimes angry. The activities mentioned above have allowed me to gain experience
and learning opportunities. The manager worked as a real leader and guided the team
very positively, sometimes as an angry man and he respected all the rules and
regulations so that I could say he was a very strict manager.

4.1. Description of activities

All National Banks of Pakistan Branches of a Khairpur area works under the
supervision of Area Manager Khadim Ali Soomro and branch manager will monitor
and supervise the
Branch operations, branch operations are divided and categorized among the staff
according to their job specified responsibilities in the bank. Basically, the bank's
functional Structure comprises two divisions, which differ in function but working
together as a team because their tasks are interconnected.

4.1.1. Relationship management

Relationship management relates to acquiring and retaining new customers and
Maintaining a profitable customer relationship with them, this department consists of
1 relationship officers and 5 loan officers.

4.1.2. Operations
These both functional areas are working under the supervision Operations: Operations
department is totally concerned with basic daily operations of bank and it is running
under the head of operation manager with customer services officer, teller/cash officer
and credit administration officer of branch manager the head of branch and
responsible for each and every activity taking place within the premises of branch,

16
here the daily operational responsibilities of the employees working in branch are
prescribed along with the important processes falling under their supervision.

4.2. Supervision of all operations and functions

Operation manager is responsible to monitor, supervise and guide the operations and
functions as:
1. Account opening
2. Documentation
3. Cash receipt, payments and Cheque
4. Loan Disbursement
5. Gold valuation
6. Cash management statements
7. Ensure resolution of compliance and audit observations
8. Inward and outward clearing
9. Ensure all the operational staff is aware of the internal and external regulatory
framework.
10. Preparing daily transaction list at the end of the day and combining all the
instruments (vouchers) transacted in the day.
11. Keeping and Maintaining an inventory of branch assets and equipment installed in
branch.
12. It is also the responsibility of the operation manager to update the daily financial
record of the bank.

4.2.1. Cash officer

Teller or cash officer is responsible to deal with the riskiest/sensitive asset of the bank
which is cash, that’s why the cash officers’ room is highly confidential, and no
outsider will be allowed to enter in the room. Teller is Mainly concerned with cash
transactions
Such as cash receipts, cash payments, cash transfer, cash balancing as well as other
cash management issues, the core responsibilities of teller are:
1. Handling cash transactions as cash receipts, payments and transfer through Cheque,
pay order, demand draft and deposit slip.
2. Ensure all the regulatory guidelines while making receipts or payments of cash.
3. Join custodian of cash vault (safe) keys with operation manager at the branch.

17
4. Responsible for the cancellation of Cheque and other instruments on customer
request or on any other reason.
5. Maintain cash book, vault cash and gold safe registers and ensure all the entries of
cash transactions and cash in and out from safe will be recorded on time daily basis.
6. Responsible to accommodate all the transactions at the end of the day and prepare
cash management statement.

4.2.2. Loan Officers

Loan Officers / Los are working as mobilizes for the bank their work is totally
concerned with banks customers which are mostly borrowers and they are directly
connected with them, relationship officers bring customers into the bank, at NBP
main branch Khairpur there are three Loan Officers and their basic responsibilities
include:

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 5. REFLECTIVE JOURNAL ENTRIES
5.1. First week
I have joined the NBP on 19thJune 2019, at the very first day I was nervous but when
I entered in the bank and I saw my university fellows sitting there and my feeling was
like “Ooh thank God”. After our introduction with branch manager sir Khadim Ali
Soomro he called all the staff members and introduce with us, these all were calm and
kind persons, from my first day we are required to sign the internship form provided
by the bank with our CNIC copies for the formal procedure. We are required to come
at 9 am and could leave the bank at 5 pm, from 19th June to 13th August2019. I joined
the desk of Account opening officer Sir Lal Bux. conduct daily session with us and
brief us about the account opening ways how to open accounts of the customers we
understand easily as well as his own work responsibilities mostly he was busy for
account opening because the new appointment of constables ‘these accounts are
required urgently so that’s purpose he was busy mostly in work , the most busy man
I saw in the bank, because all the time his desk was filled with files and crowd of
customers are there, so first thing he taught to us is to fill account opening form on
system for customer and place stamps on it, it was quite easy to work just I have to
check the information from CNIC and verity’s and enter into the form, then he
assigned me a few forms to fill when he get satisfied with my work it’s become my
routine work to fill the various account opening documents and place stamps on them
this will continue till the end of the internship, branch manager was very satisfied
with our work. In the first week, I observed in bank, there is no discrimination among
employees, and they work in a friendly environment and they worked in collaborate
way.

My learning insight after the first-week training of internship at the bank I have
realized that how the professional life goes on, and there are no hard and fast rules to
be professional, the bank employees are working informally in a friendly
environment, and dully follow a code of conduct in their work tasks. I came to know
about the daily activities performed at banks such as register Maintenance and
clearing process, how things actually did apart from the courses and definitions we
had studied, it is something new and more comprehensive, everyone was required to
complete the work and no skip was allowed this is what organizations known for, I

19
am not familiar with this setup before and I learnt a lot from that which will be useful
if I will get a job in a bank. I observed NBP Provide many products with different
forms like Agriculture gold loan, property loan, advance salary loan, business loan
etc. to facilitate customer by charging different rates and they provide easy loan
facilities.

Key Topics of discussion and learning

 Introduction of assets and liability Products.

 Introduction of work and responsibilities of each officer.

5.2. Second week

In the second week 28th July is also holidays. I start 2nd week from 26th June to 2th
July the branch manager positioned us with operation manager Sir Qamar shah, he is
very humorous and kind person he told us that his work is to supervise all the
transactions conducted during the day as well as on the system and responsible for the
security of the operations at bank, so in this week first two days I used to note down
the activities of operation manager and asking question about them, that’s why sir
commented on my behaviour and said “ you want to know everything in one single
day” he also said that you are very sharp minded boy. So, I asked why sir, he said
you are always ready to ask a question. During this week we learn a lot because sir
Qamar Shah is the very experienced person that already worked in different banks so
he always gives valuable information not only about this bank but also about other
commercial banks and SBP. In the following days of the week, sir assigned us some
work in which we must fulfil the Account opening form. With operation manager
most of the time I only watch the work, he was doing on the software, and there is
nothing for me to do because his work is crucial to update the daily position of the
bank.

My learning insight working with operation manager officer me new experience

because operation manager plays a central role in the bank operations, the way he
attentively checks every single document is a lesson for me because he is responsible
and accountable for every single error in daily transactions, I learnt how to integrate
all the tasks of a bank at single desk, and how to stay calm with pressure of

20
accountability, despite really boring work I didn’t get bored because time to time sir
explain his professional life experiences with me that was really energizing for me.

Key Topics of discussion and learning

 How to fill AOF (Account opening form).

 Requirements of the document to fulfil AOF (Account opening form).
 Types of Account (Individual account, business account etc.).
 Joint account
 CDD (Customer due diligence) and EDD (Enhance due diligence).

5.3. Third week

The 30th July is also a Sunday holiday As the third week started on 3th July to 9th July
2018, during this week we remain in desk of Operation Manager, and He taught us
about the different certificates and policies they issue, and he is always trying to ask
question from us from previous work and I observed he is most conscious and
responsible person and work in a sequential way.

Key Topics of discussion and learning

 Deposit slip and cheque.

 Call deposit receipt.
 DTR (Daily transaction report)
 Banker’s cheque.

5.4. Fourth week

The 7nd July were holidays. The Fourth week starts from 10rd July to 16th July this
week we were chosen to sit with Customer relationship management and get the
permission of Operation manager. He allowed us and I joined the desk of Sir Naeem,
the busiest man I saw in the bank. He was also motivating the customers. Some
customers were not understanding especially village customers. They were not
understanding why their balance was charged. Sir Naeem briefly described the rules
of the bank. He says it is a very difficult task to satisfy the customers.

After working at Sir Naeem, I went to the cash officer Sir Kamran. I asked from him
how he was collecting cash and Maintaining the register. He said to me “firstly I

21
collect amount then I signed and stamp on challan copies the I collect amount from
customer after completion of my procedure I give bills and challan copies to the
customers then I Maintain each and every transaction on register I also worked in the
cash department in which I learnt how to collect cash and manual function each
department

Key Topics of discussion and learning:

 How to fill CDR (Call deposit receipt), Cheque, deposit slim etc.
 Recording document procedure for audit purpose.
 How to collect cash.

5.5. Fifth week

14th July is holidays. I started my fifth week from 17th July to 23th August. In which I
learnt work about remittance and bill section.

I still decided to work in the remittances and bill collection department there was a lot
to do and learn and this is the desk where the customer first come and get interaction.
From this week we start work practically. Sir Zafar Abbas Dasti taught me how to fill
the deposit slip, Demand draft, call deposit, Policies and other documents. In this
week he also told about clearing services how NIFT works in these services and told
about stamps in different documents.

My learning insight this week offered me the experience of official working, I felt like
I was also the employee of the bank assistant of Sir Zafar Abbas Dasti. There were a
lot of tasks to complete and most of the tasks assigned to me were account opening,
account inquiries, clearing and register Maintenance. These all activities completed on
a single desk and there was the huge.

Key Topics of discussion and learning

 Clearing and its types.

 Role of NIFT (National Institutional Facilitation Technologies) .
 Banker’s cheque.
 Call Deposit certificate.

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5.6. Sixth week
The sixth week started from Monday 24th August 2019.This week I went to Sir Lal
Bux. He was getting cheque book requests and disused cheque books. I also learned
chequebook issuances and ATM requests from him. I also learned Lal Bux how to put
the customers detailed and account number ids and then tag to the head office.
Cheque book of the customer is sent within sixth weeks from head office. After
learning of chequebook system I also tagged the customer'sids to the head office. I
successfully completed the task assigned to me.

My learning insight in this week I learned a lot about the chequebook and ATM. I
briefly discussed the process of ATM application and about ATM machinelike. how
we will keep money in the machine and how much daily transaction customer can be
made. The limit of ATM machine daily amount was 500000.

Key topics of discussion and learning

 Issuances of cheque book

 Request for ATM

5.7. seventh week

Seventh week starts from 31rd July and in this week Sir Zulfiqar taught me about the
government pension .

Key Topics of discussion and learning.

 Introduction about the types of pension.

 Zakat form entries on register.

5.8. eighth week

Eighth week and the last week of my internship this week start from 7th to 13th
August and in this week I worked with different officer like cashier, and token
distributer, he taught me how deal with customers and finally last day of my
internship I make a internship report and submit to the manger and he give me a
reward in the shape of certificate I am really thankful to the all bank employees and I
really enjoyed this week and I did not want to leave this bank but my study was still in
progress.
Key Topics of discuss and learning.

23
 Verification of the amount.
 Give the customer a token and write the token number on the cheque can call the
specific customer.

5.9. Observation in my internship program

I observed in Main branch, all employees worked in a friendly manner. They, all,
were helping and interactive. Branch Manager (Sir Khadim Ali Soomro) equally
treated all the employees. All the employees were happy and satisfied with him
because he was not strict and treated his employees as colleagues and friends.

5.10. Interpret the events

In my branch, I see the different products are available and I practically examine,
also satisfy the customers according to needs and wants. After then I feeling what
happen client mind and management structure then I also analysis this statement.
According to my insights, this is my first stage of practically to analyzing the
products from a different perspective.

In overallactivities, I learn the many things and contact with me branch manager,
team leader and field officers. I saw in the bank our branch manager sir Ghulam
Abbas's shah number of customers guiding at a time I am also observing him its
motivate the customer but manager have international skills he have a powerful
person he was not bonding the employees there are working in the organization
.my connection with other learning I learned from other bank branches managers.

They are coming on a daily basis and meetings with our manager they are
discussing the position of banking products and services may be they have given
target to complete within month our branch manager mostly says we have given a
target he is also discussing with all employees how to complete all operation
department employees giving different suggestion to manager but in our months
remaining its target was completed from given state bank other thing a see in other
banks manager they are depositing money in the NBP on daily basis or weekend
basis according to my hypothesis the other banks depositing cash in the national
bank because they have not much more amount for depositing .

24
5. 11. Evaluate
According to my observation in the banking sector, the information technology
plays a vital role and it manages the banks system, infrastructure of the bank,
replacing old 48 Hardware, provision of secondary links also renewing the
software and services. Management also working timely and given the task to
complete the specific time. Management focuses on to enhance the wealth of
clients in the shape of different product offering.

According to my observation the national bank employees are hard worker they are
completing work two days’ work within one day they are also showing the
efficiency and our branch manager completed two-month target successfully
manager is also effective but sometimes he was showing a lazy in work because
operation manager doing his work continuously. According to my opinion the
employees of NBP branch are not cooperating with each other I discuss each and
every employee and ask about another employee what is his behaviour in the
organization or work performance he replied it’s not a good employee he is
thinking about yourself but no other people are not good behaving with employees
but all the employees are not satisfied with one another that’s all it's my real
feelings.

5.12. Programming plan

The overall information about banking sector is useful for me because during this
situation I done different tasks and practically proved it during the study at
university we read the different subjects and discuss in the class, but I cannot
practically have proved as the subject of banking management, money and banking
financial management. When I enter in the organization then different task given to
me and I successfully complete the task. At this time if I become any part of the
organization this information might be useful formed. In the future, my learning
experiences support me when I became part of any organization. In our
management, if I ask any question from banker then the response should be given
in a good manner and clearly understanding the point.

5.11. Work sample

Simply I am defining a short story one day I was going to the bank in this day the
closing day of bank no any kind of work in the bank number of employees on
25
holiday then I was going to sit on credit officer chair because his pc operating an
internet.

I started the internet on his pc because I was no any kind of work in bank after
sometime the operation manager entered in operation manager room where I was
operating internet his seem to me come on my set and ask from me who are you I
say I am trainee student because his new appointment in branch I don’t know about
him he is a new operation manager he said to me what are you doing here I say,
sir, I am operating an internet because no any kind of bank work he says to me
shutdown pc I say why sir ?

I say shutdown pc because no anyone use internet on office pc and asked me what
you have learnt I give him answer confidently I know all about the bank work you
are free to ask me any kind of question when he went back I replied him sorry sir
then I leave the room this is my simple but remember story in my life .

Source: A glimpse at dept: Advance (National bank of pakistan Main branch khp):

26
 6. Critical Analyses

During my internship, my initial goal was to clean up my knowledge (theory) in

various practical situations. Practical work presents an analytical problem while
linking theory to practice. As a result, the practical/theoretical analysis requires a
separate approach.

This part of the report is the importance of the internship, as it will help to better
understand the bank's work environment by finding the relationship between what is
written in the books and what happens in the fields. In this practical work we have
learned number of things in these fields because some of the important thing we
learned in the nap branch but we have learned number of topics in the course of BBA
but in practical field I have not learned every topic theory is much more different as
compare to practical work and I observed in the branch we are doing practically it
also totally changes from theory the practice field is very interesting as compared to
the theory we reading books change we have required to read those things valuable
for all over life but number of change topics in fieldwork are easy to read write and do
work.

The theory written in the books in cases is not implemented as it is. In some cases, the
theory is implemented with a little modification but in other cases, the theory has
nothing to do with practice. The theory and practiceare totally different from some
topics. In accounting, banks don’t prepare worksheet, but part of the worksheet is
prepared like trial balance. The securities for the loans are handled in the same way as
theory says like mortgage, pledge, hypothecation, advances against insurance policies
or liquidation procedure is the same.

There is some difference lies in types of loans in bank that is theory talks about four
or five types of loans that is cash finance, overdraft, loans etc., but in practice there
are some more types used by bank like running finance, demand finance etc. the
remittances process was easy to do all the information of receiver can was put into
system and we are interring a global I.D in the system provided us all detailed of
receiver then we are providing a token to customers than they are taking amount from
cash officer number of Pakistani peoples doing a job in Saudi Arab they are sending
amount .

27
 7. SWOT Analysis
7.1. What is ‘SWOT Analysis
SWOT analysis is a framework used to evaluate a company’s competitive position by
identifying its strengths, weaknesses, opportunities and threats. Specifically, SWOT
analysis is a foundational assessment model that measures what an organization can
and cannot do, and its potential threat and opportunity.

2. Weaknesses
1.mostly not highly educated empolyees in the NBP
1. Strength 2.All the empolyees coming in civil dresses no any kind of
standard
1. all the work done on system 3.all the empolyees are free to come in bank any time not
timing fixed for empolyees
2. providing remittances facility to the customers
4.In the account opening department not fastly open account
s of customers
5. No 24 hours ATM facility

swot
4. Oppertunities 3. Threats
1. To develop advance tecknology
1.political threats
2. To provide 24 hours fast fac ility of ATM
2. compitator threats
machine
3.lack of employement
3. To heir skilled person
4 lack of loan recoveries
4. Remove the link down system
5. link down probelem
5. provide 12 hours electricity facility

7.1. Strengths
The NBP World’s best Foreign Exchange bank in 2008

High return on capital bank amongst all the banks in Asia

 All the work is done on the system
 Providing a remittance facility to the customer
 Providing an advance salary loan facility to the government employees
 Highest Profitability bank of Pakistan
 The NBP 10th Best Bank in terms of ‘Profit on Capital’ in the world

28
 The NBP having Highest Assets and Capital in Pakistan
 All the Functioning as an agent of State Bank of Pakistan
 Our branch NBP Khairpur earning much more profit from disbursing salaries and
pension to the employees
 The NBP Branches all over the country but Main branch operating very nice in
this era
 Our branch one strength is that to complete target each month
 NBP largest deposit base in the market share in the number of accounts Main area
 Our branch providing agriculture gold loan to the customer
 Our branch much more earning as compared to other private banks of Main
 NBP Main providing facilities of a foreign exchange, remittances and leading
agent of Western Union Money Transfer

7.2. Weaknesses
 Oldest technology in our branch
 The employees of our branch have no time management
 Link down problem
 Not available NBP 24 hours ATM service
 Mostly employees of our branch not coming improper dress
 All the employees not cooperating with each other
 The mostly light problem in the branch
 The account opening department not providing fast service to the customer
 The advance salary loan facility not providing our branch to the employees on
time they are taking at least one year in the process
 Most employees are on a contract basis because they are BSc holders
 Our branch employees not good behaving to the customers
 The branch manager Hasan interpersonal skill, but he is not applying in the branch
 The employees did not providetechnical education and training of staff is
insufficient

7.3. Opportunities
 To improve technology, use advanced technology
 Make strategies all the employees come on time in the branch

29
 To provide 24 hours ATM service facility to the customers
 To create a friendly environment in the branch
 To provide at least 12-hour light in the branch
 Manager have required to act if any employee not doing work properly
 The manager's responsibility to provide a technical education to the employees
 Resolve the link down problem from branch
 All employees talk with customers in good behaviour
 Being a Government Bank NBP having wide scope in the economic market.
 Trust and reliability create chances to enhance deposit and profitability.
 Its vast network of domestic and overseas branches can help to expand the
business.
 NBP staff use the code of ethics and practices.

7.4. Threats
 Political threats may occur in our branch
 The technological threat may occur
 Suddenly light problem may be occurring in the organization
 The social threat may occur in the branch
 May not recovers the loans
7.5. Problems faced by branch

During my internship at this branch of the National Bank of Pakistan, I found that the
following issues directly affected the efficiency and performance of the bank. These
problems are also called internal problems. So, they discuss below.

During the period of my internship, I found that this problem was the most important:
they are not very effective for the communication between them. They do not share
the experience with management and employees. The National Bank of Pakistan (a
branch of the Tech Society) lacks communication skills among employees. If an
employee has each other and does not care about the other problem, then he asked
another, but he did not give a clear solution to this problem. They are showing facial
expressions against each other. Pension managers and other employees always try to
earn cash rewards and use the referrals to get them. They talk to each other in front of

30
me. So, ultimately, it is very necessary for a utility organization to Maintain a friendly
atmosphere.

There is also a big problem, they think that the bank of his government does not care
about customers. It's a bad perception. There must be good public relations in the
organization of the public service. If a customer asked a question twice. They get
angry with him and stop working. I have personally lived in the pensions department.
The pension manager (M. Rafique ali) has respect for the former pensioner and has
used the best language against them. The same is true in executive invoices (Mr
Rafique) is also angry at the customers, when they asked the question twice, so should
be solving this problem to create a good environment for the NBP.

Computing skills are also low, some executive is very efficient in computing skills,
but some are not totally aware of this system. For example, ATM machine at this
branch is only handled to Risaldar Ali operation manager. When the operation
manager is on leave due to a heart patient, ATM machine is off not worked because
nobody knows to run this machine. Western Union is not worked effectively. The
person who handled western Union is careless and other employees are not taken
interest in that field. So, there is western Union for just name it does not work.

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 8. Conclusions
In the light of SWOT analysis, I am concluding here NBP branch the strength of NBP
shows us the world best foreign exchange bank the Main important thing is that NBP
providing one facility to put all data of customers in the system and providing
remittances facilities to the customers an easy way.
The national bank strength to providing huge capital as compare to other branches our
branch generating a large scale capital as compare to other private branches of MAIN
because of our city is a business area the NBP 10 best bank in profit of the world .all
the functions are provided by through the behalf of state bank of Pakistan the
national bank of Pakistan providing salaries to the government employees and
advance salaries loans where it's earning much more.
The structure of national bank is very good in some branches staff of NBP skilled and
qualified but in our branch is not fully skilled employees the number of weaknesses in
our branch the lowest internal control because of manager laziness’ all the employees
not cooperating with each other they are not friendly treat to the customer some
employees are strict in our branch that’s problem number of customer not satisfied
from NBP services if you will ask from there the mostly link down of NBP and
number of another technological problems in the organization the employees of our
branch not coming in formal dress the number of employees was not degree holders
in the branch they are working on contract basis the national bank of Pakistan main
have number of opportunities to avail get good return from them The National Bank
of Pakistan has effective budgeting system in place. The annual budget of the bank is
approved by the Board and monthly comparisons of actual results with the budget are
prepared and reviewed by senior management.

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 9. Recommendations

With the help of SWOT analysis, I can give some recommendation about branch NBP
Main the national bank of Pakistan NBP Main require to use advance technology with
the help of advance technology they can do work in a fast manner and they can save
time the manger responsibility to guide all employees they are working in the
branch and they have require come on time in proper dress and his responsibility to
create a friendly environment in the branch insure that manager responsibility take
some actions against employees if someone not doing work with sincerity all the
employees responsibility to guide the customer in good behaviour and all employees
see customers in equal eyes don’t do the first work of friend and another source user
people my suggestion to the account opining department to open accounts of customer
on due date my own experience in account opening they are very lazy or they want to
charge bribery for work I cannot understand there policy what they want when I was
give application for student loan account opening in the Khairpur Main branch my
account was not opened at end of loan date my loan was backed due to the account
open purpose this my personal experience in NBP so number of mistakes of all
branches of NBP they have my special request don’t disturb the customers .the our
branch require to hire skilled staff that student who has a BBA and MBA degree in
special fields and its responsibilities to get opportunities and earn much more profit.

The National bank of Pakistan should be fully preparing in its management of

financial crises and its business continuity planning, within the standing committee
framework, and should work with others to strengthen national crises management
preparations.

The bank should improve its recruitment, retention and development and reform the
Bank’s pension scheme.
The Bank should improve IT capability in the analytical areas and develop a medium-
term strategy for banking and market operations.

There are the comparison of conclusions and suggestion of the bank are given in table
9.1.

33
 Conclusion Suggestion
1. National bank of Pakistan is 1. NBP should take advance moves
government institute it include as can be best source of revenue
top 10 banking sector in the generating for Pakistan.
world. 2. NBP should aware customers
2. There is high number of about new policies and technology
customers and majority portion must be maintained.
of customer is uneducated. 3. NBP should give proper training to
3. There are different department their employees for competitive
like Account open, Debt and advantage.
Credit there is some weaknesses 4. NBP should be fully prepared
in internal coordination and against the moves of their
integration. competitors should adapt more
4. Workers are less technical advanced technology.
skilled. 5. There is lack of counters in the
5. NBP should be fully prepared in bank; more counters shall be
managing financial resources introduced to facilitate the
and should keep an eye on the customers.
competitors.

Table 9.1

34
References and Sources
 Visit These Line for Getting Information of National Bank of Pakistan Report
 Officers of NBP like operation manager and cashier etc.
 My own observation and experience and gathering information during
working in NBP as internee for Eight weeks.
 https://www.nbp.com.pk/
 https://economictimes.indiatimes.com/topic/National-Bank-of-Pakistan

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