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Presentation On:

Arslan Khalid E18MBA076

Abdullah Kashif E18MBA143


Shahroz Kafeel E18MBA111
Brief History:
 The bank was founded by the Tajammal Hussain in
1989. The commercial bank programmed had a
network of more than 550 branches in the main
centers of the country. Bank of Punjab is the
Seventh largest commercial bank in the all over list
of scheduled commercial banks of the country
Mission Statement:
 “To exceed the expectation of our stakeholders by
leveraging our relationship with the Government
of Punjab and delivering a complete range of
professional solutions with a focus on programme
driven products and services in the agriculture
and middle tier markets through a motivated
team.”
Vision
 “To provide quality and innovative range of
banking services and products to our
customers by a highly motivated team of
professionals whilst maintaining high ethical
and regulatory standards thereby, generating
sustainable returns to our shareholders.”
Branch Network:
 Lahore  Jhelum
 Peshawar  Karachi
 Islamabad  Sahiwal
 Rawalpindi  Jhang
 Sialkot  Sheikupura
 Bahawalnagar  Gujranwala
 Gujrat  D. G Khan
 Faisalabad  Bahawalpur
 Multan
Brief Details:

Type Public

Industry Banking, Insurance

Founded By Tajammal Hussain

Founded In 1989

Headquarter Lahore, Pakistan

Products Financial Services

Operating Income (After Tax) PKR 750 Million (2018)

Total Deposits PKR 595 Billion (2018)


Products and services:
Types of Bank Accounts

1. Current Account
2. Saving Account
3. Fixed Deposit Account
 This is a Non Profit Account.
 In this type of Account no limit for Debit / Credit transactions.
 The deposit product is available for individuals, partnership,
Public/Private Limited Companies.
 This account provide Free E-Banking facility to view account
balance and statement.
 Free of cost Utility Deposit Facility through BOP ATM Network.
 Account can be opened with minimum of Rs.100/- as initial
amount.
 There is no minimum balance requirement.
 There are no Service Charges.
 Per Month Total Debit Limit is Rs.500,000/-.
 Total Credit Balance limit is Rs.500,000/-.
 Free e-banking facility to view account balance and statement of
account is available.
• The money is fixed with a bank for a longer period of
time.
• High volume of fixed deposit increase the strength of bank.
• Higher rate of interest are paid by the bank on fixed
deposit account.
• Fixed Deposit Scheme 5 years to 10 years.
• Debit card is a bank card, plastic card or check card.
• It is a plastic payment card that can be used instead
of cash when making purchases.
• There is no interest charge on the Debit Cards and
customer uses his own money through Debit Card or
ATM Card.
• The bank of Punjab issued:
• BOP Classic Debit Card
• BOP Gold Debit Card
• BOP Platinum Debit Card
• Issuance Fee (Rs) 495
• Payment Network MasterCard
• Rewards Up to 35% discounts
• Daily Limits 25,000
• Credit Card is a plastic card issued by bank allowing to
holder to purchase goods or services on credit.
• Credit card Eligibility
• Applicant should be 18 years old and not have a bad credit
history.
• He should be a saving account and a regular source of
income to pay back the credit card bills.
• The bank of Punjab issued unsecured Loan called as Personal
Loan.
• Minimum Loan Rs:50,000
• Maximum Loan Rs:1.5 million
• Paid Loan in Installment basis.
• Documents Needed:
1. I.D Card 3.Two Reference
2. Salary Slip 4.Bank Slip(provided by bank)
Installment Matrix:
Loan Amount 1 Year 2 Years 3 Years

100,000 9,384 5,213 3,845


125,000 11,729 6,516 4,806
125,000 14,075 7,819 5,767
200,000 18,767 10,425 7,690

Leasing Criteria:
Applicant must be Pakistani Citizen.
Minimum Monthly Income PKR 20,000

Mark Up Rate 22.50% + Fixed


Insurance
 A business owner policy (BOP) combines
protection for all major property and liability risks
in one package. This type of policy assembles the
basic coverage's required by a business owner in
one bundle. It is usually sold at a premium that is
less than the total cost of the individual coverage's.
Financial Analysis

Years 2018 2017 2016


Total ASSETS 714 Billions 658 Billions 547 Billions

Total 677 Billions 628 Billions 520 Billions


LIABILITIES
SWOT Analysis:
SWOT Analysis
“The overall evaluation of a company strengths,
weakness, opportunities and threats is called SWOT
analysis.”
In SWOT analysis the best strategies accomplish an
Organization’s mission by:
• Exploiting an organization’s strength and
opportunities.
• Avoiding and correcting it’s weaknesses.
STRENGTHS
• Firstly it is Supported by Punjab Government, or
funded by Punjab Government, it build people
trust.
• BOP in strength because it has reliable, user friendly
internal computer system for their consumers.
• BOP has very sound financial strength as compare to
others bank.
WEAKNESS
• Poor performance of employees because most the
employee did not communicate with the managers
related to task issue or planning.
• Traditional approach Because BOP is still using old
methods for working and for documentation.
• BOP has good product and services but it cannot
participate in promoting its product on electronic
media.
OPPORTUNITIES
• Due to huge Government Deposit BOP has the
opportunity to expand its network in remote areas.
• BOP has opportunity it is earning commission on
Government transaction.
• Due to huge revenues, BOP has opportunity to
introduce new scheme related Consumers finance,
in Retail banking, and in Agriculture loan scheme to
obtained maximum market share.
THREATS
• Inflation is big causes, Modern type of banking,
these are the big threats for BOP.
• Punjab roles and regulation, the changing trend in
Punjab Government policies also become threat to
BOP.
• Political instability, changing or up and down in
politician parties also a big threat for BOP.
PEST Analysis

P:Political
E:Economical
S:Social
T:Technological
Political
 Influence of Government
 Antitrust law
 Continues political
changes
 Global changes
Economical

 Inflation
 Burglary
 Labor cost
 Unstable policies
Social
 Illiteracy
 Carrier attitude
 Culture
 Population growth rate
Technological
 Provide services and consumer changing
demands
 Rate & technological diffusion
 Investments
 Innovation
Thank You:
Stay Blessed:
FeEmanALLAH:

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