AUDITING FINAL PROJECT FIRST DRAFT TO: MR. IRFAN MEHMOOD FROM: M. MOBASHAR ALI 08117032 ASIF MEHMOOD 08117033 IMRAN KHAN 08117043 SALMAN-UL-MUSTAFA 08117044 GIFT University MBA (Banking & Finance) Section A
Two debit withdrawals allowed in a month and no limit on number of deposit transactions
Profit calculated monthly and paid on half yearly basis
SERVICES OFFERED OF NBP Another step towards your prosperity
President's Rozgar Scheme, if you are aged between 18 and 45 years, you could be eligible for easy financing for self employment in the categories below: NBP Karobar Utility Store NBP Karobar Mobile Utility Store NBP Karobar Mobile General Store NBP Karobar Transport NBP Karobar PCO NBP Karobar Tele-Centre
SERVICES OFFERED OF NBP Product Items Home Purchase Home Construction Home Renovation Purchase of Land + Construction Balance Transfer Facility (BTF) Home Purchase (House or Apartment) * 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.
SERVICES OFFERED OF NBP Take upto 20 advance salaries(currently for NBP account holders of govt. or related organization employees). National Bank of Pakistan (NBP) NBP Advance Salary , the leading personal loan product of the country, is maintaining its inimitability ever since it was launched. This was only possible due to its swift growth and remarkable loan disbursement of over 138 billion. You can avail up to 20 net take home salaries with easy repayment installments. Its hassle free acquisition with no prior formalities and easy availability in a short turn around time are attributed as the most distinguishing features of the product. The product is offered countrywide
SERVICES OFFERED OF NBP Shop to your heart's desire! NBP CashCard is an 24-hour direct access ATM/Debit card to your bank account, which lets you pay directly from your account as an alternative payment method to cash. The transaction is authorized and processed by entering PIN. The NBP CashCard holders are able to transact at any of the 4000 + Merchants where Orix logo is displayed and can withdraw cash from NBP, 1-Link & M-NET ATM’s across the country. Advantages You won't need to carry a lot of cash with you every time you go out. Secure and Safe transaction. Account Information on tips (like: Mini Statement, Balance Inquiry, Utility Bill Payment etc.) Enable To Withdraw Cash From 1-Link ATMs / MNET ATMs. Enable To Make Purchases From Around 4000 POS (Merchants) Countrywide including 2500+ POS in Karachi. No Card Issuance Fee for first 12 Months
SERVICES OFFERED OF NBP Product Information Financing Amount: Rs.50,000/ - To Rs.10,000,000/- Equity Requirement: In the Form of Cash or Shares or Both (Currently Minimum Rs. 215,000/- @ 30%) Shares: As per NBP Approved List Available. Shares In Physical Form Not Acceptable. Trading: Allowed Only Through Trading Centers Created by NBP and Operated by Taurus Securities Limited (A Subsidiary of NBP) Pricing Fixed Price At The Time of Facility Sanction, Currently 6 Month Kibor + 3% (Per Annum) Other Charges On Time Application Processing Fee of 0.5% of the loan amount or Rs.5,000/- (Whichever is lower) Brokerage Charges/ Fees/ Taxes/ etc. Charged At Actual On Brokerage Invoices Documentation Fee Would Be Charged On Actual Requirements Photograph of Applicant NBP Account - Current or PLS Marginal Financing Application Form Copy of CNIC Copy of CNIC of Two (2) References Borrower Basic Fact Sheet Duly Filled In Statement of Assets & Liabilities List of Shares, Given as Margin (Optional)
SERVICES OFFERED OF NBP Get extra benefit from your gold With NBP's Cash n Gold, you can meet your need for ready cash against your idle gold jewelry. Rate of mark-up 13% p.a. Facility of Rs. 10,000 against each 10 gms of net contents of gold No maximum limits of cash Repayment after one year Roll over facility Only gold ornaments acceptable Weight and quality of gold to be determined by NBP's appointed schroffs No penalty for early repayment Meet your need for ready cash against your idle gold jewelry with no minimum limits
SERVICES OFFERED OF NBP Pakremit is an internet based Home Remittance Service. This service is available to U.S. residents for sending money to their family and friends in Pakistan. One must have a valid US Dollar account with a U.S. bank or a US Dollar credit or debit card in order to remit funds through this channel. Remitters in USA can log on to our user friendly website, www.pakremit.com and easily remit funds to Pakistan from the comfort of their homes, in a matter of minutes. The service is fully secure with advance encryption application and is available for use 24 hours a day, 7 days a week. Fees and exchange rate have been set at competitive levels and the remitters have the ability to track delivery of funds as well.
SERVICES OFFERED OF NBP Insurance Coverage In case of Accidental Death (Including death due to *Riots, *Strikes, *Civil commotion, *Acts of Terrorism and Natural Calamities like Flood, Earth Quake, Cyclones etc).Coverage of Rs. 200,000/- for Rs. 20/- per monthDefinitions: *provided the insured is not directly involved in these activities "Accident” means unintentional, unfortunate or a harmful event by chance or apparent cause. “Accidental Death” means death due to accidental injuries, but not illness. “Insured Person” means a National Bank of Pakistan PLS account holder, aged between 18 years and above, and whose premium is deducted & details are reported to the selected insurance company by NBP. “Policy” means Group Personal Accident Policy dated 26/09/05 executed between NBP and Insurer. “Principal Sum” means the amount stated in the Policy’s Schedule of Benefits as respects each Insured Person.