Introduction

National Bank of Pakistan is the largest commercial bank operating in Pakistan . Its
balance sheet size surpasses that of any of the other banks functioning locally. It has
redefined its role and has moved from a public sector organisation into a modern commercial
bank. The Bank's services are available to individuals, corporate entities and government.
While it continues to act as trustee of public funds and as the agent to the State Bank of
Pakistan (in places where SBP does not have a presence) it has diversified its business
portfolio and is today a major lead player in the debt equity market, corporate investment
banking, retail and consumer banking, agricultural financing, treasury services and is
showing growing interest in promoting and developing the country's small and medium
enterprises and at the same time fulfilling its social responsibilities, as a corporate citizen.

In today's competitive business environment,

NBP needed to redefine its role and shed the
public sector bank image, for a modern
commercial bank. It has offloaded 23.2
percent share in the stock market, and while it
has not been completely privatized like the
other three public sector banks, partial
privatization has taken place. It is now listed
on the Karachi Stock Exchange.

National Bank of Pakistan is today a progressive,

efficient, and customer focused institution. It has
developed a wide range of consumer products, to
enhance business and cater to the different segments
of society. Some schemes have been specifically
designed for the low to middle income segments of the
population. These include NBP Karobar, NBP
Advance Salary, NBP Saiban, NBP Kisan Dost, NBP
Cash n Gold

It has implemented special credit schemes like small finance for agriculture, business and
industries, administrator to Qarz-e-Hasna loans to students, self employment scheme for
unemployed persons, public transport scheme. The Bank has expanded its range of products
and services to include Shariah Compliant Islamic Banking products. For the promotion of
literature, NBP recently initiated the Annual Awards for Excellence in Literature . NBP will
confer annual awards to the best books in Urdu and in all prominent regional languages
published during the defined period. Patronage from NBP would help creative work in the
field of literature. The Bank is also the largest sponsor of sports in Pakistan . It has provided
generously to philanthropic causes whenever the need arose.

It has taken various measures to facilitate overseas Pakistanis to send their remittances in a
convenient and efficient manner. In 2002 the Bank signed an agreement with Western Union
for expanding the base for documented remittances. More recently it has started Electronic
Home Remittances Project. This project introduces technology based system to handle
inward remittances efficiently, by ensuring that the Bank's branches keep a track of the
remittance received from abroad till its final receipt.

A number of initiatives have been taken, in terms of institutional restructuring, changes in the
 field structure, in policies and procedures, in internal control systems with special emphasis
on corporate governance, adoption of Capital Adequacy Standards under Basel II framework,
in the upgradation of the IT infrastructure and developing the human resources.

National Bank of Pakistan has built an extensive branch network with 1250 branches in
Pakistan and operates in major business centre abroad. The Bank has representative offices
in Beijing , Tashkent , Chicago and Toronto . It has agency arrangements with more than
3000 correspondent banks worldwide. Its subsidiaries are Taurus Securities Ltd, NBP
Exchange Company Ltd, NBP Capital Ltd, NBP Modaraba Management Company Ltd, and
CJSC Bank, Almaty , Kazakhstan . The Bank's joint ventures are, United National Bank (UK),
First Investment Bank and NAFA, an Asset Management Company (a joint venture with NIB
Bank & Fullerton Fund Management of Singapore).

The Bank's financial performance has been remarkable. In 2006, total assets are estimated
at Rs635 billion, while deposits have grown to nearly Rs502 billion. Pre-tax profit rose to
Rs26 billion. Earnings per share have jumped to Rs24.01 in 2006. The increase in profit was
achieved through strong growth in core banking income. Interest income increased by Rs10
billion through growth in the loan portfolio as well as increase in spreads. Advances
increased by Rs48 billion to Rs316 billion. The Bank maintains a sound loan portfolio
diversified in nature to counter the risk of credit concentration. It ranges from providing credit
to the un-banked market segment under NBP Karobar, to small and medium enterprises, to
agricultural loans, to large corporate customers.

National Bank has earned recognition and numerous awards internationally. It has been the
recipient ofThe Bank of the Year 2001, 2002, 2004 and 2005 Award by The Banker
Magazine, the Best Foreign Exchange Bank –– Pakistan for 2004, 2005, 2006 and 2007,
Global Finance, Best Emerging Market Bank from Pakistan for the year 2005, Global
Finance, Kissan Time Awards – 2005 for NBP's services in the agriculture field. It is listed
amongst the Region's largest banks and also amongst the largest banks in South Asia 2005,
The Asian Banker. It has also been presented a Recognition Award –– 2004 for having
a Gender Sensitive Management by WEBCOP AASHA besides other awards
Vision

To be recognized as a leader and a brand synonymous with trust, highest standards of service
quality, international best practices and social responsibility.
Mission
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 stakeholders value
• Discharging our responsibility as a good corporate
citizen of Pakistan and in countries where we operate
Core Values

• Highest standards of Integrity

• Institutionalizing team work and performance culture
• Excellence in service
• Advancement of skills for tomorrow’s challenges
• Awareness of social and community responsibility
• Value creation for all stakeholders
Goals
To enhance profitability and maximization of NBPshare through increasing leverage of existing customer
base and diversified range of products.

NBP further consolidated its position as one of the top

players
in corporate and investment banking of the country in 2007
and has built a strong customer relationship with the
premier
corporate clients.

Services
Bank Charges Jan-June-2009[PDF] - Click here to
Services Download
INTERNATIONAL BANKING

National Bank of Pakistan is at the forefront of international banking in Pakistan which is proven by the fact that NBP has its branches in
all of the major financial capitals of the world. Additionally, we have recently set up the Financial Institution Wing, which is placed under
the Risk Management Group. The role of the Financial Institution Wing is :-

• To effectively manage NBP's exposure to foreign and domestic correspondence

• Manage the monetary aspect of NBP's relationship with the correspondents to support trade, treasury and other key business
areas, thereby contributing to the bank's profitability
• Generation of incremental trade-finance business and revenues

NBP offers:

• The lowest rates on exports and other international banking products

• Access to different local commercial banks in international banking

DEMAND DRAFTS MAIL TRANSFERS PAY ORDER *

If you are looking for a safe, speedy and
reliable way to transfer money, you can now
purchase NBP's Demand Drafts at very
reasonable rates. Any person whether an
account holder of the bank or not, can
purchase a Demand Draft from a bank
branch
Move your money safely and
quickly using NBP Mail Transfer
service. And we also offer the
most competitive rates in the
market.
NBP provides another reason to transfer
your money using our facilities. Our pay
orders are a secure and easy way to
move your money from one place to
another. And, as usual, our charges for
this service are extremely competitive.

TRAVELER'S CHEQUES
Pak Rupees
Traveler's
Cheques are a
negotiable
instrument

Validity: There is no restriction on the period of valid

Negotiability:
Availability: At 700 branches of NBP all over the country
Encashment: At all 400 branches of NBP
Limitation: No limit on purchase
NBP Traveler's Cheques are the safest wa
Safety:
money
 LETTER OF CREDIT
NBP is committed to offering its business
customers the widest range of options in the
area of money transfer. If you are a
commercial enterprise then our Letter of
Credit service is just what you are looking
for. With competitive rates, security, and
ease of transaction, NBP Letters of Credit
are the best way to do your business
transactions.
COMMERCIAL FINANCE
Let us help make your dreams become a reality
Our dedicated team of professionals truly understands the needs of
professionals, agriculturists, large and small business and other segments of
the economy. They are the customer's best resource in making NBP's
products and services work for them.

FOREIGN REMITTANCES
To facilitate its customers in the area of Home Remittances, National Bank of Pakistan has taken a number PakRemit™
of measures to: Remit funds from USA
to Pakistan
Click here
• Increase home remittances through the banking system

• Meet the SBP directives/instructions for timely and prompt delivery of remittances to the
beneficiaries

New Features:

The existing system of home remittances has been revised/significantly improved and well-trained field functionaries are posted to
provide efficient and reliable home remittance services to nonresident Pakistanis at 15 overseas branches of the Bank besides United
National Bank (the joint venture between NBP and UBL in UK)., and Bank Al-Jazira, Saudi Arabia.

• Zero Tariff: NBP is providing home remittance services without any charges.
• Strict monitoring of the system is done to ensure the highest possible security.

• Special courier services are hired for expeditious delivery of home remittances to the beneficiaries.

SWIFT SYSTEM
The SWIFT system (Society for Worldwide Inter bank Financial Telecommunication) has been NBP
introduced for speedy services in the area of home remittances. The system has built-in
features of computerized test keys, which eliminates the manual application of tests that often SWIFT Network
cause delay in the payment of home remittances. Click here

The SWIFT Center is operational at National Bank of Pakistan with a universal access number NBP-PKKA. All NBP overseas branches
and overseas correspondents (over 450) are drawing remittances through SWIFT.

Using the NBP network of branches, you can safely and speedily transfer money for our business and personal needs.

SHORT TERM INVESTMENTS EQUITY INVESTMENTS

 NBP now offers excellent rates of profit on all
it's short term investment accounts. Whether
you are looking to invest for 3 months or 1
year, NBP's rates of profit are extremely
attractive, along with the security and service
only NBP can provide.
NBP has accelerated its activities in the stock market to improve its
economic base and restore investor confidence. The bank is now regarded
as the most active and dominant player in the development of the stock
market. NBP is involved in the following:
• Investment into the capital market

N.I.D.A • Introduction of capital market accounts (under process)

National Income Daily Account The
scheme was launched in December 1995 to NBP's involvement in capital markets is expected to increase its earnings,
attract corporate customers. It is a current which would result in better returns offered to account holders
account scheme and is part of the profit and
loss system of accounts in operation
throughout the country.

MODE OF CALCULATION:
AVERAGE BALANCE DURING
A CALENDAR MONTH

TRADE FINANCE OTHER BUSINESS LOANS

AGRICULTURAL FINANCE
NBP provides Agricultural Finance to solidify faith,
commitment and pride of farmers who produce some of the
best agricultural products in the World.
Agricultural Finance Services:
“I Feed the World” program, a new product, is introduced
by NBP with the aim to help farmers maximize the per acre
production with minimum of required input. Select farms will
be made role models for other farms and farmers to follow,
thus helping farmers across Pakistan to increase production.
Agricultural Credit:
The agricultural financing strategy of NBP is aimed at three
main objectives:-
• Providing reliable infrastructure for agricultural
customers
• Help farmers utilize funds efficiently to further
develop and achieve better production
• Provide farmers an integrated package of credit
with supplies of essential inputs, technical
knowledge, and supervision of farming.
Agricultural Credit (Medium Term):
• Production and development
• Watercourse improvement
• Wells
• Farm power
• Development loans for tea plantation
• Fencing
• Solar energy
• Equipment for sprinklers
CORPORATE FINANCE
Working Capital and Short Term Loans:
NBP specializes in providing Project Finance – Export
Refinance to exporters – Pre-shipment and Post-shipment
financing to exporters – Running finance – Cash Finance –
Small Finance – Discounting & Bills Purchased – Export Bills
Purchased / Pre-shipment / Post Shipment Agricultural
Production Loans
Medium term loans and Capital Expenditure Financing:
NBP provides financing for its clients' capital expenditure and
other long-term investment needs. By sharing the risk
associated with such long-term investments, NBP expedites
clients' attempt to upgrade and expand their operation
thereby making possible the fulfillment of our clients' vision.
This type of long term financing proves the bank's belief in its
client's capabilities, and its commitment to the country.
Loan Structuring and Syndication:
National Bank's leadership in loan syndicating stems from
ability to forge strong relationships not only with borrowers
but also with bank investors. Because we understand our
syndicate partners' asset criteria, we help borrowers meet
substantial financing needs by enabling them to reach the
banks most interested in lending to their particular industry,
geographic location and structure through syndicated debt
offerings. Our syndication capabilities are complemented by
our own capital strength and by industry teams, who bring
specialized knowledge to the structure of a transaction.
Cash Management Services:
With National Bank's Cash Management Services (in
process of being set up), the customer's sales collection will
be channeled through vast network of NBP branched spread
across the country. This will enable the customer to manage
their company's total financial position right from your
desktop computer. They will also be able to take advantage
of our outstanding range of payment, ejection, liquidity and
investment services. In fact, with NBP, you'll be provided
everything, which takes to manage your cash flow more
Farm Credit: accurately.

NBP also provides the following subsidized with ranges of 3

months to 1 year on a renewal basis.

• Operating loans
• Land improvement loans
• Equipment loans for purchase of tractors, farm
implements or any other equipment
• Livestock loans for the purchase, care, and
feeding of livestock

Production Loans:

Production loans are meant for basic inputs of the farm and
are short term in nature. Seeds, fertilizers, sprayers, etc are
all covered under this scheme.

If you require any further information, please do not hesitate

to e-mail us.

Banking on Your Faith

NBP is proud to expand its range of products and services by

including Shariah Compliant Banking Products, available
through dedicated Islamic Banking Branches. Each Islamic
Banking Branch is fully equipped to cover all aspects of
Islamic financial transactions. Valuing your adherence to your
faith, NBP now provides a premium choice for you in meeting
your financial needs, free of RIBA.