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Executive Summary




I done my internship in National Bank of Pakistan Layyah Branch District Layyah and to know how I will work in financial institutions and among various types of people have different attitude. The objective of this Internship report contains Banking Structure, Branch Structure, marketing analysis, Sales analysis, aggressive analysis, SWOT analysis and bank tariffs theoretical concepts with practical experience working in National Bank of Pakistan. There are many possible improvements, which we can make positive changes in the system.


            The staff of National Bank of Pakistan Layyah has taught me the basics of different departments in this way. In this period I faced a lot of difficulties during the span of learning but I got full attention because of supportive staff, and they really made me learn a lot. During the internship I kept on consulting my internship advisor every week. At the end of internship the manager gave me the internship letter and evaluated my overall performance of an evaluation form prescribed by the university.

Table of context







 Letter under taking




internship certificate












Exective Summary




Table of context




Overview of National Bank

  • Introduction
  • Brief History
  • Nature of the organization
  • Product line
  • Product portfolio
  • Brand Strategies
  • List of main clients
  • List of main competitors


  • 10
  • 10
  • 11
  • 13
  • 23
  • 25
  • 25
  • 25




Organizational Structure

  • National Bank Chart
  • Hierarchy chart
  • Number of employees
  • Introduction of all Departments
  • Comments


  • 27
  • 28
  • 29
  • 30
  • 37



Plain of internship program

  • Introduction of National Bank Layyah
  • Starting and ending date
  • Name of Department were I got training



  • 39
  • 40
  • 40



Training program

  • Activities of all department



  • 42



Structure of Marketing Department

  • Department Hierarchy
  • Number of Marketing Department employees
  • Marketing operation



  • 52
  • 52


  • 53



Function of Marketing Department

  • Segmentation strategy
  • Target marketing strategy
  • Product Planning, Development and Management
  • Positioning
  •  Pricing Strategy



  • 55
  • 56
  • 57


  • 58
  • 59



Structure of Sale department

  • Sale department Hierarchy
  • Number of Sales department Employees
  • Sale operation



  • 60
  • 60
  • 61







Critical Analysis

  • 62



SWOT Analysis

  • 65




  • 73



Recommendations for improvement

  • 75




  • 79



Overview of the National Bank of Pakistan


Definition of Bank:


“Bank is a financial institution that is collects money form lender and gives to creditors and get the profit. It accepts deposits from individuals, firms and companies at a lower rate of interest and gives at higher rate of interest and gives at higher rte of interest to those who need them”


According to J.W Gilbert


“A banker is dealer in capital or more properly, a dealer in money. He is intermediate party between the borrower and the lender. He borrows of one and lends to another”


By Banning, we mean the business of dealing in credits and by ‘bank’ we include every person, firm or company having a place of business where credits are opened y deposits of collection of money or currency. Subjects to be paid or remitted on cheques or order, money is advanced or loaned on stocks, bonds bullion, bills of exchange, promissory notes are received for discount or sale.


Evolution of banking in Pakistan:


In 1947 there are very hard days for the whole banking sectors in Pakistan; the country today possesses a full range of banking and financial institutions to cope with various need of the economy.

In 1947 There 3496 offices of Indian scheduled banks our which as many as 487 were situated in territories now constituting Pakistan.  The ‘Reserve bank of India was the central baking authority in India. It was decided on partition of countries that in the interest of smooth transition it should continue to function in newly emerging state in 1948 at Pakistan, until 30th Sep.

In early due to uncertainty and unsuitability the banking sector suffer heavy losses.  This resulted in a negative effect on banking service in Pakistan.  Due to collapse of the new state by pushing a deliberate policy of withdrawals the Indian bank offices closed quickly. The number of scheduled banks thus declined form 487 branches before independence to only 195 branches in 1948 until 30th June.

Banking Start in Pakistan

In 1948 the banking situation is very tense and then committee was immediately setup to formulate a scheme of central banking legislation of Pakistan. Many specialist were come and gives opinion that in view of the acute shortage of trained staff, idea of establishing a central bank and best that could be attempted was the setting up of a currency board until such times as sufficient staff could be organize to operate a central bank.

There was come one question since independence of Pakistan that whether the institution should be only a currency board or a full control central bank had exercised the mind of the Pakistan government. Every time is was realized that the shortage of trained personal to run the central bank would present serious difficulty in view of the tangible advantages that a central bank enjoyed over  currency board. Now this time government has come to ultimately decided to take the important step of setting up a full fledged central baking authority. The problem was the banking authority in the country had been totally disrupted and there was an urgent need for their rehabilitation. Then banking sector pass the hardly Time as Act, an order was drafted, known as the state bank of Pakistan order, which was transmit by the government of Pakistan on 12th May 1948. And first time in Pakistan a central bank come name “The State Bank of Pakistan” was declared open on 1 July 1948 by the father of the nation.

The State Bank of Pakistan First tasks faced the replacement of Reserve bank of India notes which was circulated. The State Bank issued in October 1948 in the denominations of Rs. 5 to 100.

Nature of Bank

The state bank recommended the setting up a new banking institution to serve both as an agent to the state bank as well as the spearhead of it credit polices. Then the ‘National Bank of Pakistan’ was setup under an ordinance in November 1949.

“National Bank of Pakistan” is a service oriented financial institution. He is working for its customers besides making profit for the organization. This financial institution required the customers both retail and corporate banking facilities. It also commences the govt. transactions like govt. accounts, govt. drafts and payments services of the bank thus can be categorized as under.

  • Basic banking like borrowing and lending of money
  • Discounting of ‘Bills of Exchange’ and ‘foreign exchange.
  • Buying and selling bullion and foreign Exchange
  • Collecting Negotiable instruments on behalf of the customers.
  • Generating Latter of Credit
  • Receiving valuable goods for safe custody.
  • Acting of agents on behalf of the customers
  • Different offers for the customers for their benefits.
  • Work as a clearing house on behalf of the State bank of Pakistan
  • For small cities work as a main bank on behalf of the ‘State Bank of Pakistan’.

There are some others characteristics are followings.










Domestic Branches


Azad Kashmir




Federal Capital




Khyber Paktunkhwa




Gilgit Baluchistan


Overseas Branches


ATM Machine


Islamic network Branches


Online Branches


Swift Branches


Customer facility Center


Product lines of National Bank of Pakistan:


National Bank of Pakistan is provides many services to the customers. National bank can introduce many products to facilitate in many ways. The product lines are followings 

Premium Aamdani Scheme:

      Premium Aamdani is a monthly income scheme introduced by National Bank of Pakistan for investors as well as for general public


  • Earn up to 12.25% 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
  • A 5 years scheme with year wise increasing profit rates.
  • Incentives available for investors.
  • NBP provide finance facility against these certificates.

Profit Ratio of NBP


Profit Rates











  • NBP allowed to customers to convert existing deposits into National Bank premium Aamdani scheme.
  • Convenience of NBP online Aasan Banking (for online banking customers)
  • Free NBP Cash Card (ATM+Debit)
  • Running finance facility up to 90%
  • Profit paid every month as follows



Premium Saver:

National Bank of Pakistan introduce another product this is Premium Saver are also called the premium saver account. This account is mostly use small income people which have to deposit the money into the bank for profit. These products introduce some of these benefits.

  • Earn up to 8.50% p.a
  • Minimum saving balance of Rs. 20,001/- & a maximum balance of Rs. 1 million*.
  • Free NBP Cash Card (ATM + Debit).
  • Convenience of NBP Online Aasan Banking (for online banking customers).
  • Two debit withdrawals allowed in a month & no limit on number of deposit transactions.
  • Profit calculated on monthly and paid on half yearly basis


Product Items

  • Home Purchase
  • Home Construction
  • Home Renovation
  • Purchase of Land + Construction
  • Balance Transfer Facility (BTF)


Home Purchase

  • Financing Amount         Upto 35 Million
  • Financing Period           3 to 20 Years
  • Debt to Equity  85:15 (Maximum)


Home Construction

  • Financing Amount         Upto 35 Million
  • Financing Period           3 to 20 Years
  • Debt to Equity  85:15 (Maximum)


Home Construction  - Product Detail

  • Financing Amount         Upto 35 Million
  • Financing Period           3 to 20 Years
  • Debt to Equity  85:15 (Maximum)


Home Renovation

  • Financing Amount         Upto 15 Million
  • Financing Period           3 to 15 Years
  • Debt to Equity  80:20 (Maximum)


Purchase of Land and for Construction thereon

Financing Amount         Upto 35 Million

Financing Period           3 to 20 Years

Debt to 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.


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