project of NBP

2.  Mubasher Ali (15518)
 Salahudin Ayubi (15516)
 Muhammad Asif (15568)

3.  National Bank of Pakistan is the largest commercial bank
operating in Pakistan.
 National Bank of Pakistan was incorporated in Pakistan
under the National Bank Ordinance, 1949 and is listed on
all the stock exchanges in Pakistan.
 It's registered and head office is situated in Karachi.
 The bank is engaged in providing commercial banking and
related services in Pakistan and overseas.

4.  The Bank's services are available to individuals, corporate
entities and government.
 As of March 2017 it has 1,450 branches across Pakistan
with assets of approximately USD 17.2 billion. The Bank
also operates a network of 21 international branches, 2
international Subsidiaries.
 The credit rating of NBP is AAA
 Net Income Rs 22.75 billion – 2016
 Revenue Rs 114.40 billion - 2016

5.  In 1949, National Bank of Pakistan (NBP) was
established under the National Bank of Pakistan
Ordinance of 1949 and was government-owned.
 In 1950, NBP established a branch
in Jeddah, Saudi Arabia.
 In 1955, by this time NBP had branches in
London and Kolkata.
 In 1957, NBP established a branch
in Baghdad, Iraq.
 In 1962, NBP established a branch in Dar es
Salaam, Tanganyika.
 In 1964, the Iraqi government nationalized
NBP's Baghdad branch.

6.  In 1967, the Tanzanian government nationalized
the Dar es Salaam branch.
 In 1997, NBP branch
in Ashgabat, Turkmenistan commenced operations.
 In 2000, NBP opened a representative office
in Almaty, Kazakhstan.
 In 2003 NBP opened its branch in Kabul, and the first
ATM in Afghanistan was installed there.
 In 2010 NBP opened its branch in Karaganda
(Kazakhstan).
 In 2011 NBP opened its representative office in
Toronto (Canada)

7. Excellence in Direction
 To be recognized as a leader.
 A brand synonymous with trust.
 Highest standards of service quality.
 International best practices.
 Social responsibilities.

8. NBP will aspire to the values that make NBP truly the
Nation’s Bank, by:
 Institutionalizing a merit and performance culture.
 Creating a distinctive brand identity by providing the
highest standards of services.
 Adopting the best international management practices.
 Maximizing stakeholder’s value.
 Discharging our responsibility as a good corporate citizen
of Pakistan and in countries where we operate.

9.  To enhance profitability.
 Maximization of NBP share.
 Diversified range of products.

10.  Highest standards of Integrity
 Institutionalizing team work and
performance culture
 Excellence in service
 Value creation for all stakeholders

11. Structure
PRESIDENT
BOARD OF DIRECTOR
MEMBER EXECUTIVE BOARD
REGIONAL MANAGER
ZONAL MANAGER
BRANCH MANAGER

13. Products and Services
NBP offers following Products & Services:
 Premium Aamdani
 Premium Saver
 Asaan Account
 Choice Current Account
 Banc Assurance
 Saibaan
 Advance Salary
 Cash Card
 Cash in Gold
 Kisan Dost

14. NBP Premium Aamdani
 Earn up to 7.40 % p.a.
 Minimum deposit of Rs. 20,000/- with maximum
balance of Rs. 10 million for 5 years.
 Free Demand Draft, Pay Order and Cheque Book.
 Convenience of NBP online Asaan Banking (for online
banking customers).
 Free NBP Cash Card (ATM+Debit).
 Running finance facility up to 90%.

15.  Year Profit Rates (%)
 1st 5.75 p.a.
 2nd 6.00 p.a.
 3rd 6.25 p.a.
 4th 6.80 p.a.
 5th 7.40 p.a.
Profit paid every month as follows:

16. NBP Premium Saver Account
 Earn up to 4.75% p.a.
 Maximum balance of Rs. 1 million.
 Free NBP Cash Card (ATM + Debit).
 Convenience of NBP Online Asaan Banking (for online
banking customers).
 Profit calculated on monthly and paid on half yearly
basis.
 Earn up to 4.75% p.a. (For amount of 20,000 – 1
Million)

17. NBP Asaan Account
 Product Name NBP Asaan Account
 Product Type Current, Savings Deposit
 Product Currency Pak Rupees
 Eligibility Individual – Single Individual Joint (max. 1)

18.  Free Cheque Book on Customer Request
 (Initial / One time)
 Free ATM Card (subject to Annual renewal fee)
 Initial Deposit - Rs. 100/- only
 No Monthly Minimum Balance maintenance requirement.
 Bank Charges as per current tariff.
 No charges on closure of Account.
 Zakat and taxes, as per Law.
 SMS Alert Service (subject to subscription)
 Transactions Limit
 Total Debit per Month: Rs. 500,000
 Total Credit Balance Limit: Rs. 500,000

19. Banc-Assurance includes plans which are high value savings
and investments products designed to provide benefits to
the entrepreneurs, businessmen, lawyers, doctors,
engineers, service oriented people, teachers, shopkeepers,
factory owners, commission agents, investors and specially
those who need money at some phase of their lives. These
plans are as follows;
 Endowment Plan
 Sada Bahar Plan
 3 Payment Plan

20.  Endowment Plan is a unique saving and
protection scheme through which the Policy
Holder can get a particular amount of money
at a specific time speculated on the basis of
his/her future requirements. Endowment
Plan is most suitable for people who are
farsighted and want to fulfill their future
needs.
 Maturity Benefits
 Death Benefits

21. Sada Bahar Plan:
 Sada Bahar is an anticipated endowment type With-
Profits plan that provides a lump sum benefit at
certain stages during the premium paying term or on
earlier death. In addition, this plan has a built in
Accidental Death Benefit (ADB) rider so that the
Policy Holder gets an additional Sum Assured in case
of death due to an accident. This plan is a safe
instrument for cash provision at the time of need.
With this plan, the Policy Holder can secure greater
protection and continued prosperity for the family at
an affordable cost.

22.  Admissible Ages and Terms:
This plan is available to all members of the general
public aged 20 to 60 years to the nearest birthday.
Both males and females may purchase this plans. Terms
offered in this plan are 12, 15, 18, 21, 24, 27 and 30
years.

23. 3 Payment Plan:
 3 Payment Plan is a unique Endowment Assurance as it
provides an option to avail the benefit of 25% withdrawal
of the Sum Assured on the completion of one-third and
two-third term of the policy. This plan also provides an
option for pre-determined, periodic withdrawals during
the Currency of Policy. In case of death (God forbid)
during the term of policy, provides a lump sum payment
to the beneficiaries.
Schedule for a 21 years Term Policy:
 After first 7 years, 25% of Sum Assured
 After 14 years, 25% of Sum Assured
 After 21 years, 50% of Sum Assured plus accrued bonuses

24. NBP Saibaan (Home Financing)
Product Items
 Home Purchase
 Home Construction
 Home Renovation
 Purchase of Land + Construction
 Balance Transfer Facility (BTF)

25. Home Purchase (House or Apartment)
 Financing Amount Up to 35 Million
 Financing Period 3 to 20 Years
 Debt to Equity 85:15 (Maximum)
Home Construction
 Financing Amount Up to 35 Million
 Financing Period 3 to 20 Years
 Debt to Equity 85:15 (Maximum)

26. Home Construction - Product Detail
 Financing Amount Up to 35 Million
 Financing Period 3 to 20 Years
 Debt to Equity 85:15 (Maximum)
Home Renovation
 Financing Amount Up to 15 Million
 Financing Period 3 to 15 Years
 Debt to Equity 80:20 (Maximum)

27. Purchase of Land and for Construction thereon
 Financing Amount Up to 35 Million
 Financing Period 3 to 20 Years
 Debt to Equity 80:20 (Maximum)
Re-Financing (Balance Transfer Facility (BTF))
 If you have a Home Finance Facility outstanding
with another bank you can have it transferred to
NBP through a hassle-free process.

28. Penalties
 In case of late payment, Rs.5/-per day for
late/overdue/defaulted installment up to
Rs.10,000/-, Rs.10/- per day if amount
overdue from Rs.10,001/- up to Rs.20,000/-
and Rs.15/- per day when overdue amount
exceeds Rs.20,000/- and so on.

29.  Avail financing up to Rs. 1 million against
your salary.
 Lowest Mark-up Rate
 Easy installments of up to 60 months at your
choice.
 Quick processing and fast disbursement.
 No minimum income, collateral & insurance
charges required.
 For permanent employees of Government,
Semi Government and autonomous bodies
receiving salaries through NBP.

30.  Use it as an ATM in any of the ATM’s in
Pakistan
 Use it as Debit Card in any of the outlets
with ORIX POS machine across nationwide.
 Cash withdrawal up to Rs. 20,000/- per day
 Account Balance Enquiry
 Mini Statement (Only at NBP ATM)
 PIN Change facility (Only at NBP ATM)

31.  Rate of mark-up 13.50% p.a.
 Facility of Rs. 32,000 against each 10 Gms of
net contents of gold.
 No minimum income requirement.
 Repayment after one year.
 Only gold ornaments acceptable.
 For education, marriage, consumer and other
domestic needs.

32.  Competitive mark-up rate (15.5% per year)
 Quick & easy processing.
 Provision of technical guidance to farmers at
their doorstep.
 Wide range of financing schemes for farmers.
 Finance facility is also available for landless
farmers.
 Financing available against Pass Book,
Residential / Commercial property, Gold
ornaments.
 Loan facility on revolving basis for three
years.

33.  Letter of credit
 Trade collection services
 Payment services
 Trade financing
 Services offered for importers
 Services offered for exporters

35.  Organizational culture
 Govt Bank
 Customer satisfaction
 Online banking
 Industrial policies
 Best research appraisal team
 Wide area of services
 Lenient policy with the clients

36.  Less attention to rural development
 Poor advertisement
 Lack of communication between employees
 Poor network
 Punishment is not very strong
 Public dealing is not very effective
 Staff shortage

37.  Sponsor the I.T based projects
 Growing banking system
 NBP have Govt back
 Increase in economic activities

38.  Political influence in-stability
 Lack of modern banking techniques
 Increase in no. of banks
 The whole structure change to online