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National Bank of Pakistan is the largest commercial bank operating in Pakistan The bank is engaged in providing commercial banking and related services in Pakistan and overseas. The Bank's services are available to individuals, corporate entities and government.

its business portfolio is a major lead player in the debt equity market, corporate investment banking, retail and consumer banking, agricultural financing, treasury services
NBP headquarters in Karachi, Pakistan with over 1,254 branches country wide. Participating in "World Bank" and "Asian Development Bank's" lines of credit.


"To be recognized as a leader and a brand synonymous with trust, highest standards of service quality, international best practices and social responsibility."

NBP will aspire to the values that make NBP truly the Nations 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.

GOALS: To enhance profitability and maximization of NBP share through increasing

leverage of existing customer base and diversified range of products.

Direction Excellence in Growth Excellence in Performance Excellence in Management Excellence in Achievement

Excellence in

Competitors at Public Sector

First Women Bank Limited The Bank of Khyber The Bank of Punjab (FWB) (KB) (BOP)

Competitors at Private Sector

My Bank Limited Allied Bank Limited Bank Al-Falah Limited Atlas Bank Bank Al Habib Limited Habib Bank Limited Askari Bank Saudi Pak Bank Limited Faysal Bank Limited Metropolitan Bank limited Muslim Commercial Bank Limited

1. President



3. EVP

4. SVP

5. VP

6. AVP





Cash Dept. Head Cashier

Clerical Staff


Cashier Non Clerical Staff Peon, Guards etc








TYPES OF ADVANCES: DEMAND FINANCE: CASH FINANCE: RUNNING FINANCE: LOANS: TYPES OF LOAN: The credit department of NBP has providing the following types of loans Short term loans Long term loans Working capital loan Syndicate (project) loan



Pursuant to the announcement made by the Federal Finance Minister in his 2001-2002 budget speech, a STUDENTS LOAN SCHEME (SLS) for Education was launched by the Government of Pakistan in collaboration with major commercial banks of Pakistan (NBP, HBL, UBL, MCB and ABL).


KISAN DOST SCHEME:- Agriculture Made Easy Agriculture Farming Program KISAN TAQAT SCHEME:- promise of prosperity Dairy Farm Scheme


NBP one of the largest financial institutions of Pakistan with eight million of customer NBP has 1254 branches located all over Pakistan. And 23 international locations including the USA, United Kingdom, Europe and the Far East. It acts as an agent of the Central Bank wherever the State Bank does not have its own Branch. Performing social responsibilities and claiming The Nations Bank Earning commission from SBP on Government transaction Leading bank in agriculture financing amongst commercial banks with the market share of 15%

Being a Government Bank NBP having wide scope in economic market. Its vast network of domestic and overseas branches can help to expand business. Banks deposit is increasing rapidly so there is a great opportunity to enhance its investment and financing. Being an agent of State Bank of Pakistan it can play vital role in local economy. Amongst highest bank is Asia, NBP further expand its services proudest and earn more profit. The bank is reshaping its portfolios by investing into higher area of growth


Lowest Internal Control and Compliance System, SBP rated Marginal which is alarming for the Bank. Unsatisfactory corporate culture of the Bank. Less number of Online Branches. Ineffectively use of technologies i.e. Information technology Shortage of staff- per employee customer is very high side Technical education and training of staff is insufficient The workload in NBP is not evenly distributed

SBP penalties due to low internal control and compliance. Government, SBP and Prudential Rules and Regulations. Schedule banks and Multinational/International banks profit rates. Its staff switching over to other private banks due to more facilities. Other banks charming atmosphere and relaxation in documentation. NBP staff code of ethics and practices. High number of complaints regarding staff behavior. Payments and FBR Collections create heavy workload.


Rather NBP is a nation's bank but like any other organization NBP also is not free from problems and crisis.. In this topic the most important problems are included which are widely present at the organizational level.

1. PROBLEMS AT THE BRANCHES OF NBP:1) Customer Satisfaction: 2) Poor record management and filing system: 3) Unequal distribution of work: 4) Marketing visits:

2. FUNNCTIONAL PROBLEMS: Formal Organization: Excessive paper work: More accounts fewer deposits: 3. ADMINISTRATIVE PROBLEMS:
Job analysis is not effective:
Lack of appreciation:


Need for better training program Developing Managerial Leadership Recruitment policy Promotions Lack of business communication


on June 21st, 1997 as a public limited company under the Companies Ordinance 1984 Its banking operations commenced from November 1997 Belongs to Abu Dhabi Group One of the Leading Banks in Pakistan

To be the premier organization operating locally & internationality that provides the complete range of financial services to all segments under one roof.

To develop & deliver the most innovative products, manage customer experience, deliver quality services that contributes to brand strength, establishes a competitive advantage and enhances profitability, thus providing value to the stakeholders of the bank.




Alfalah Mahana Amdan

Some Silent Features

Minimum placement limit Expected Rate of profit Automatically credited on the 1st working day Free Personal Accident Insurance financing facility up to 90% Age Limit


KAMYAB KAROBAR Care Savings Account


Returns up to 9%* p.a. Enjoy monthly profits calculated on daily basis balance, paid out monthly in your account Open with an initial deposit of Rs. 1,000 only with no service charges No restriction on number of monthly deposit or withdrawal transactions Accessibility and Convenience.


Savings Account Features

Returns up to 9%* p.a. Enjoy monthly profits calculated on daily basis balance Open with an initial deposit of Rs. 1,000 No restriction on number of monthly deposit or withdrawal Convenience of online banking SMS alerts and free e-statements Locker facility at special discounted rates Easy access to funds via VISA ATM

Consumer Finance
Credit Cards Home Loans

Auto/Vehicle Loans
Debit Cards



By VISA Accepted at nearly 27 Million locations in more than 150 countries worldwide Accepted in Pakistan at more than 2200 Bank Alfalah establishments SBS Plans for purchase of various home appliances


Joining / Annual / Renewal fee Utility bills payment through 24 hour Call Center and Auto Debit instructions SMS for card usage, mini statement, payment receipt confirmation, etc. Cash withdrawal at all 1LINK ATMs Special offer on Warid post paid connections Monthly Card Statements 24-Hour Phone Banking Facility


*brief descriptions to follow in oral presentation

Schedule of Charges For Platinum, Gold and Silver Cards


of Charges

Service Fee

3.00% per month (36% APR) on cash advance 3.00% per month (36% APR) on retail transactions 1.50% per month (18% APR) on BTF transactions 1.75% per month (21% P.A. flat rate) on SBS transactions (APR 31.23% to 36.74%) Step-By-Step (SBS) - Factors & APR details:

(Double Click on the object on right side to Open MS Word File)

Installment Plan 3 months 6 months 9 months 12 months 18 months 24 months 30 months 36 months

Factor 0.350833 0.184167 0.128611 0.100833 0.073056 0.059167 0.050833 0.045278

APR 31.23% 35.15% 36.36% 36.74% 36.68% 36.22% 35.66% 35.07%

0.99% per month (11.88% P.A. flat rate) on BTF to SBS transactions (APR 17.73% to 21.44%)

Service Fees:

BTF to SBS - Factors & APR details: Installment Plan 3 months 6 months 9 months 12 months 18 months 24 months 30 months 36 months Factor 0.343233 0.176567 0.121011 0.093233 0.065456 0.051567 0.043233 0.037678 APR 17.73% 20.09% 20.90% 21.25% 21.44% 21.37% 21.21% 21.01%

3.00% per month (36% APR) on cash advance 3.00% per month (36% APR) on retail transactions 1.50% per month (18% APR) on BTF transactions

24% APR on Credit on Phone to SBS Transactions Credit on Phone to SBS - Factors & APR details: Installment Plan 3 months 6 months 9 months 12 months 18 months 24 months 30 months 36 months Late Fee Cash Payment Processing fee Merchant Discount Charges VISA Mini Card Supplementary Fee Cash Withdrawal Fee: - Cash Advance Fee/Call & Pay Fee Factor 0.34675 0.17853 0.12252 0.09456 0.0667 0.05287 0.04465 0.03923 APR 24.00% 24.00% 24.00% 24.00% 24.00% 24.00% 24.00% 24.00%

Rs. 600/- or 10% of minimum amount, whichever is higher. Rs. 100/- per transaction. Upto 5% of transaction amount. Rs. 500/-

Rs. 500/- or 3% of cash advance amount, whichever is higher 1% of cash advance amount

Home Loan Programs at Bank Alfalah Home Start Home Construct Home Buyer Home Improver Home BTF
*brief descriptions to follow in oral presentation

Eligibility Criteria

Pakistani Nationality. Age Range 23 and 60 years at the time of application. (Subject to maximum age of 65 at the time of maturity). Continuous employment in a permanent position for the last 2 years or more OR 3 years (or more) of business or professional experience Gross annual income is Rs: 240,000/ or more [Spouses income (upto 50%) can also be combined]. If you have been a Bank Alfalah borrower for past one year with clean payment record.

Documents Required
Basic Documents: 2 recent passport size photographs Copy of Computerized National Identity Card (Original to be shown at branch) Bank Statement for the last 6-12 months (Original or attested) Copies of complete chain of title documents of the property being offered (If identified) Processing Fee Cheque favoring Bank Alfalah Limited Life Insurance (MPP) & Property Insurance (PI) form Letter of Understanding

Additional documents for Salaried Resident Pakistanis Salary Certificate (Original) from the employer, showing gross salary deductions and length of service. Copies of last two salary slips dully attested by the HR Department. Employment Verification form signed by the employer.

Additional documents for salaried Non Resident Pakistanis (NRPs) Copy of Pakistani Passport valid for at least next 1 year. Copy of Contract / Work Permit / Iqama / Residence Permit etc. Copies of last three Years Income Tax Returns (Not applicable for Middle Eastern Countries) Personal Guarantee of a relative based in Pakistan and acceptable to Bank.

Additional documents for Businessmen / Self-Employed individuals. Copy of current association membership / trade body membership certificate (if applicable) Deed of Partnership + (Undertaking & NOC) as per Bank format. Sole Proprietorship Letter / Certificate from customers bank. Copy of latest Form 29 duly attested by the company secretary. Letter from company secretary confirming either the status and share holding or remuneration (Where applicant is a Director / Paid Director of company) Copies of last three Year Income Tax Returns.

Miscellaneous as per requirements Construction: Bill of Quantity prepared by an Architect Renovation / Improvement: Estimate of Renovation BTF: Certificate of balance from current lender bank including the list of title documents held. BTF: Customers declaration Proof of other Income (if any such as Rent Agreement, Agri Pass Book, etc.)

Processing Fee (Non Refundable)

For For For For

financing upto Rs.1.00M financing upto Rs.2.50M financing upto Rs.5.00M financing over Rs.5.00M

5000 10,000 12,500 15,000

Mark-up Rates:
1 Year KIBOR + 2% for Salaried person 1 Year KIBOR + 3% for Business People / Selfemployed and Overseas Pakistani (both salaried and self-employed) Fixed Rate Options: 1 Year

Salaried 12.50% per Annum Self-employed Professionals & Businessmen and Overseas Pakistani (both salaried and selfemployed) 13.50% Per Annum

* These are indicative rates reviewed monthly

Late Payment Charges: Rs. 500/- per late payment

Prepayment Charges: Nill if repaid through own sources. Otherwise 5% penalty of the outstanding amount. No charges are applied on balloon/bullet payments for reducing your loan amount Documentation Charges: At actual, including stamp duty charges for legal documentation, on-site inspection during construction, lawyers fee and charge registration fee, as advised by the relevant persons/ agencies. *All quoted rates are subject to change in response to SBP / Market factors. However, we will notify our customers of each rate change

10 steps of Home Financing at Bank Alfalah 1. Bank Alfalah provides all necessary information about Home Finance. Through: a) A face-to-face meeting b) The post c) And over the telephone 2. Client gives the Bank some basic information about income and the amount needed. 3. Client completes an application form and submits it together with the required documents. 4. Bank makes some inquiries about clients financial circumstances. 5. Bank carries out a valuation of the property and verification of clients income.

7. 8.

9. 10.

Once initial processing is complete, Bank sends the Client, its offer through a Facility Advice Letter. Client signs the Facility Advice Letter and return it to the Bank. Banks Documentation Control Centre gets in touch with the Client to complete Finance & Security documentation including legal opinion on the title documents of the property and also the insurances. The Client signs the Finance Agreement and Charge documents. Banks legal advisor accompanies the client to the Registrars office on the appointed date with the Clients cheque against the financing for conveyance of the property and Clients home finance begins.


Benefits and Features: Quickest processing. No hidden charges. Minimum down payment. Complete repayment at any point of time. Balance transfer facility {BTF} for existing as well as new clients from other Banks. Tenure period ranging from 1 to 5 years.


of all brand new locally assembled vehicles and used cars. Financing limit ranging between Rs. 200,000/- to Rs. 2000,000/- for brand new cars. Corporate & Individual Car Leasing Insurance Repayments Security You Can Act As A Co-Borrower

Financing Product






Car Loan for Brand New Vehicles

Car Loan for Brand New Imported Vehicles Car Loan for New Commercial Vehicles Car Loan for Used Vehicles (Local Assembled Only) Car Loan for Internal / External BTF (Local Assembled) Car Loan for Internal BTF (Imported)

16.00% 15.50%

16.00% 15.50%

16.00% 15.50%

16.00% 15.50%

16.00% 15.50%
















Corporate Discount Rate A Corporate Discount of 0.5% shall continue to apply on all above mentioned rates.

Eligibility Criteria: Pakistani National Identity Card holder. Over 20 years of age (Maximum 60 years in case of salaried and 62 in case of a business person at the time of maturity of the loan). Salaried , businessman or self employed.

Documents Required:

Two passport size photographs. Copy of National ID card. Bank statement for the last six months. Salary certificate {for salaried individual}. Business proof {for a business person}. N.T.N Certificate. Co-borrowers NIC copy {if the car is to be in the name of the co-borrower}.

Bank Alfalah Debit Card is named as Alfalah Hilal Card.

Visa Debit Card Unlimited access to your current / savings account with a simple swipe No Interest No Minimum Income Requirement -just open an account in any branch of Bank Alfalah Limited and apply for the Hilal Card No PIN required for Retail Transactions Accepted at more than 1 Million ATMs and 27 Million retail outlets around the world

Uses of Hilal Card:

As a Debit Card As an ATM Card

Hilal Card Credit Card Buy Now, Pay Now Buy Now, Pay Later Monthly Repayment Interest is Charged

Difference between Hilal Card and Credit Card:

No Monthly Repayment No Interest Charged Limit is the Balance in the Account

Limit is the approved Credit Limit


Interest No Minimum Income Requirement - all you need to do is open an account in any branch of Bank Alfalah Limited No PIN required for Retail Transactions Accepted at more than 1.5 Million ATMs and nearly 30 Million retail outlets around the world.


Finance Small and Medium Enterprise (SME) Agri Finance ALFALAH KAROBAR FINANCE Treasury and Investment


Rapidly increasing networks of branch Bank Alfalah has been awarded an AAconfidence of customers on of Bank Alfalah. E- net banking Higher quality of services and products Financial strength


As per Bank policy, advertising and publicity is not extensively emphasized. The main focus of Bank is major cities of Pakistan Target Market is not identified


Bank Alflah can captured various segments of the market Penetration of products can enhance the market share. In the rapidly growing industry of Pakistan, launching of another SBU, Alwarid (Warid Telecom)


Uncertainty of Economy High Rate of Inflation Trend of Mergers Privatization of Banks Risk of Defaults


Establish in 1941 at Bombay by Ismail Habib

1947 established in Pakistan 1926 domestic branches 55 international branches
Ist installation of mainframe computer in Pakistan followed by ATM

Internet banking facilities in all branches 2003 AKFED acquired 51% of the share against PKR 22.409 billion (USD 389 million).


Enabling people to advance with confidence and success.


To make our customers prosper, our staff excel and create value for shareholders.



Current Accounts

HBL BusinessValueAccount
Up to 5.35%* profit per annum ,Minimum balance of Rs. 20,000 ,Unique transactional account for Businessmen

Current Account
Minimum balance of Rs. 5,000, Unlimited transactions ,Non-profit bearing

Basic Banking Account (BBA)

Can be opened with only Rs. 1,000 , No minimum balance requirement Non-profit bearing



HBL Value Account

7.19%* profit per annum, Deposit 10,00-1,000,000

PLS-Savings Account
Minimum balance of Rs. 20,000, 5.06% profit per annum ,Profit paid bi-annually

Remittance Munafa Plus Savings Account

Special account for receiving foreign remittances , 5.12%* profit per annum , Minimum balance of Rs. 20,000

Savings accounts

Munafa Account

Minimum balance of Rs. 20,000,

Profit calculated daily, paid every month Up to 8.84% profit per annum*


Progressive Account

Minimum balance of Rs. 20,000

Unique transactional account for Institutions Profit calculated daily, paid every month Up to 11.57% profit per annum

Terms Accounts
for a fixed duration and earn profit while keeping your savings secure

HBL Advantage Account

Loan facility up to 90% of investment ,Minimum investment of Rs. 25,000

Withdrawal at end of fixed term


Profit at maturity 7.50%* 8.00%*


13.00%* 14.00%* 17.00%*

Foreign Currency Accounts

Accounts in multiple currencies as savings and term accounts


To earn profit, minimum balance in USD, EUR and GBP is 1,000 Interest is payable on a quarterly basis Savings Account offered in 3 currencies, USD (US dollar), EUR (Euros) and GBP (UK pound)

HYFFD (High Yield Foreign Currency Fixed Deposit)

Profit paid on maturity only.

Available in 1 month, 2 month, 3 month, 6 month and 12 Month in USD, EUR and GBP

Choice of used, new local/imported and reconditioned imported car.

Repayment options ranging Upto 7 years Upto 85% of financing for the car of your choice. Insurance at all times for complete peace of mind and security.

Eligibility Criteria

Upgrade - Simply return the car to HBL and drive a new one home

Walk away - Return the car to HBL and end the lease
Buy - Keep the same car. Just make a one-time settlement of the cars
residual value to HBL or pay the same in easy installments over a specified extended period of time

Sell - Enjoy the gain from selling off the car at a higher price in the
market than what you ay HBL as the residual value

Documents require for Salaried Individuals Complete Application Form Salary Certificate / Most recent Salary Slip Bank Statement for past one year Two Copies of NIC Employment Certificate with date of joining Two passport size photographs Copy of the last paid utility bill (residence)

Self-Employed Business persons/Professionals

Complete Application Form Two Copies of NIC Two passport size photographs Letter of proprietorship / Registered Partnership Deed Certified latest Form A and Form 29, where applicable, along with articles and Memorandum of Association Copy of last paid utility bill (residence) Bank Statement for the last 1 year

No Interest Ease & Security Spending Limits Free Account Statement International Recognition & Acceptability

tenure: 12, 24, 36,48 or 60 months No processing fee Repayment through easy and affordable monthly installments from salary. Minimum salary Rs. 12000

HBL and New Jubilee Life Insurance Company Limited (NJLI) introduce
Amaan (Retirement Plan)

plan covers life insurance and gives attractive returns on investment to its customers.

Tabeer (Child Education and marriage plan)


fixed period, repayable lump sum or gradually installments. pledge or hypothecation of goods, produce or merchandise

Finance to Students

Qarz-e-Hasana Scheme Loans are allowed to the students, teachers without any interest or mark up with the recommendations of the MPA or MNA.
a. b. c.

Finance (Staff)

Loans are offered to the staff of the following four categories. House Building Loans against mortgage of property. Loan for purchasing vehicles. Loan equivalent to months salary.

meet temporary requirements of the customers banker allows withdrawals from his account above his balance Allowed against collateral security

bank pay upon the personal security of the customers mentioned on the customers account.


bank allows his customer to withdraw more than his deposits after giving security against the amount overdrawn. securities: Share certificate, Saving certificate Deposits Mortgage of property Guarantee of person

provided to clients engaged in export trade. exporter should give documentary proof to the bank consist of L/C in favor of exporter indicating the description of the merchandise, the purchase price, date of delivery along with other terms.


is a post shipment finance facility which is provided by the banks to its clients after providing the evidence of shipment; he contacts his bank to request him to lodge the documents. He then provides the request letter with sale contract to grant him finance & this department grant him finance (90% value of commercial invoice).


to the farmers with holding up to 25 acres for meeting their short terms, medium and long terms Agricultural production requirements, such as: Agricultural inputs Tube wells Live Stock Framing Land improvement


the short-term loans which play a part in working capital medium and longterm loans are also given to industrial sector for purchase of machinery and other capital nature goods.

Necessary Documents required for L/C:

NTN Tax Authority registration certificate Chamber of Associations trade certificate Type of Business NIC Margin Registration No. Application for L/C


letter of credit: The seller submit all the documents with draft in the importer country Complying with the all terms and conditions. The payments are made on the presence of the documents. Usance letter of credit: Under these circumstances it is agreed that the payment will be made after a specified period. So the payment is made after or on the expiry of that date.


Goodwill & historical background Professional and well trained staff Largest customer base HBL is Pakistan's largest commercial bank HBL has a domestic network of 1,425 branches with an international network of 48 branches in 26 countries 20% share of HBL in financial market Large Balance sheet size Decentralized authority HBLs car to car financing scheme is unique in auto loan segment.


Unfavorable union activities and management conflicts Checking System is at intra-department level Weak marketing policies Nepotism & Favorism Infected portfolio still exists as bad debts Centralized management in particular areas lack managerial training as they are not properly educated Mission of HBL is not well defined.


E-Banking High mark up rates AUTOMATIC TELLER MACHINE (ATM)

Rate of return


Other private commercial bank with sound profitability is also a threat to HBL e.g. UBL, Alfalah, MCB etc The Rupee Travelers Cheque (RTC) sales volumes may be affected on account of regulatory restriction imposed by SBP on issuance of large value denominations. For the last of 2 to 3 years, Pakistan is facing economic and political instability which is a big threat. Foreign banks are flourishing in field of consumer financing. Afghan war and Iraq war has a deep effect on the economy of Pakistan, which has affected HBL. Increased regulations from State Bank of Pakistan may affect its business.