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PRESENTERS

THE BANK OF
PUNJAB
MAIN OBJECTIVE
INTRODUCTION
o The Bank of Punjab was Established in
1989

o It was given the status of scheduled


bank in 1994

o BOP is 6th largest bank in Pakistan

o It has a network of 272 branches


 BOP is a semi government bank

 Itcomprises of 51% shares of


government & 49% shares are of the
private sector.
 Ithas an asset base of PKR165 billion &
total deposits of PKR138 billion

 Itworks under the instructions of


Punjab government.

 Allthe bank decision takes place under


the bank of Punjab act 1989.

 The staff strength in BOP is 3860.


VISION STATEMENT

 Tobe a customer focused bank with


service excellence
CORE VALUES
MARKETS SERVED
 BOP serves the following markets:

 Agriculture Market

 Household Consumers from middle to low


income group

 Commercial Consumers from middle to low


income group

 Corporate Customers
PRODUCTS
o The Bank provides all types of banking
services
o Deposit in Local Currency
o Client Deposit in Foreign Currency
o Remittances
o Advances to Business
o Trade
o Industry and Agriculture
OBJECTIVES
o To be a diversified bank by offering all
basic consumer products
o To provide solutions for multiple
requirements of clients of diverse
financial nature.
o To grow in banking sector by asset
expansion
o To manage with the changing trends of
the modern day financial market.
STRATEGIES
o The bank approaches organizations and
then seeks to become the exclusive
consumer in terms of consumer
financing

o Targeting main sector of Pakistan i.e.


Agriculture sector by offering
“Kissan schemes”
o Making financial management easy
through differentiated products

o Operations through strong network of


branches, backed by advanced
computerized and control system
MANAGEMENT STRUCTURE

 BOP is structured on the basis of


functions performed by different
departments
ADMINISTRATION
CHAIRMAN
 He is appointed by the Punjab
government
 Chairman is the head of board of the
director
 He is not the regular employ of the bank
 He gave the approval of all the matters
& schemes.
 All the administrative activities are
governed by the chairman
BOARD OF DIRECTORS
(BOD) & TOP MANAGEMENT:
o There are 6 BOD members at the
moment

o Country heads and chief executives are


highly professional & experienced
people

o They are developing new policies for


bank & are introducing participative
management by developing proper
MANAGEMENT
PRESIDENT
 President is also appointed by the
government of Punjab.
 He is also not the regular employ of the
bank.
 He is appointed for a period of 5 years
only on contract bases.
 He is responsible to implement the
decisions made by the BOD’s &
Administration.
2 ND

PRESENTER
DIVISIONS
 There are about 10 divisions in the bank
to perform different jobs.
 Eachdivision is being supervised by a
general manager with chief managers
and the division staff
HUMAN RESOURCE
DIVISION
 The major jobs of this department are:

 Provision of staff rules

 Staff appointments

 Training of fresh staff

 Transfers/Postings
 Promotions & degradation

 Staff salaries

 Fringe benefits (bonus, allowances)

 Retirements
FINANCE DIVISION
 To maintain & update all the assets of
the bank i.e. buildings & vehicles etc.

 Liabilities (Account holders money)

 Income

 Expenditure
 Toprepare bank’s balance sheet
through professional Chartered
accountants.

 Maintenance of accounts with state


bank of Pakistan
OPERATIONS DIVISION
 To look after all the operations activities of
branches through regional offices head.

 Acquisition of premises for the branches.

 To obtain branch license from state bank of


Pakistan.

 Branch construction, renovation and supply


of F & F.(furniture & fixtures)
 Toissue procedural and
operational/instruction circulars to the
newly formed branches to run the
branch work smoothly.

 ATM installation.
LIABILITY DIVISION
 Tohelp the branches for the
procurement of deposits

 Tolaunch different schemes for


procurement of deposits. e.g. monthly
income schemes, pehle munafa
schemes, six monthly profit, yearly
profit.
AUDIT DIVISION
 To execute periodical report of the internal
affairs of the branch & it is done on daily
bases.

 To point out procedural irregularities in the


branch working & to get them rectified.

 Audit is of two types:

 Yearly audit

 Surprise audit
CREDIT RISK MANAGEMENT
DIVISION (CRMD)
 To sanction different types of loans.

 To approve & renew the loans.

 To issue instructions regarding loans


RECOVERY DIVISION

 For the recovery of the un-recovered


loans.

 Filingof the legal cases in banking


courts.
TREASURY DIVISION

 Itworks in Karachi & its function is to


invest banks money to get profit in
short terms .

 It works under finance division


ESTABLISHMENT DIVISION
 Itsmajor function is for the
establishment of the branch.

 It works under operation division.


INFORMATION &
TECHNOLOGY DIVISION
 To
make different software’s for the
bank.

 To implement these software's.

 Online
system inspection, ATM
maintenance
MARKETING DEPARTMENT

 promotional activities

 increase
customer base & help
developing BOP’s credibility.
BALANCE SHEET
TOTAL PROFIT
 The bank earn after
tax profit of Rs.4.4 billion
for the year ended
December 31, 2007

 which was 17% higher


than previous year’s after tax p
profit of Rs.3.8 billion
 Theshareholders equity has now
reached at the level of Rs.15.1 billion
from Rs.10.6 billion at the end of last
year.

 Earningper share showed an up-ward


growth of 17% and remained at
Rs.10.51 per share.
CREDIT RATING
 Owing to sound financial position and
consistent outstanding performance of
the bank, M/s Pakistan Credit Rating
Agency (PACRA) has maintained bank’s
long term AA and short term A1+
ratings with positive outlook
THREATS
 Economic growth is likely to be slow, as
agricultural growth may slowdown

 Adverseimpact of “Universal Crisis ”


can adversely effect .

 Facing
a strong competition by its
competitors
RECOMMENDED STRATEGY
 Profitstrategy is the recommended
strategy So stability in operations &
cutting in expenditures would
definitely work to enhance financial
performance of BOP.

 However as the situation becomes


better, BOP can restart its expansion
& growth. BOP should emphasize
much on e-banking
FUTURE OUTLOOK
 The year 2009 will prove to be another
challenging year for the bank because
of tough competition.

 Management of the bank is committed


to continue its efforts for outstanding
performance.
 ?
ANY QUESTIONS

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