National Bank of Pakistan Internship Report

1. NATIONAL BANK OF PAKISTAN
WASIF ALI SYED
SPRING 2022
UNIVERSITY OF GUJRAT

3. Acknowledgments
From the start of my internship program till the composition of this report, many individuals have
helped me through the highs and lows that I confronted. It would be out of line to the event that I
didn't name them. I can't miss seeing the value in the worry and help of Mr. Muhammad Asjad,
Mr. Muhammad Ali, and Miss Ghulam Fatima whose consistent assistance made me ready to
compose this report with the specialized direction. I'd likewise thank the staff of the Circular Road
Branch who helped me in every division, while I was working. They helped me in all parts of the
work.

4. Executive Summary
This record is the temporary position report that expresses my experience and perception in the
NBP Circular Road Branch Gujrat. I have officially presented the bank, expressed its vision,
mission, and objectives, and featured the offered items and its primary rivals. A short time later, I
examined the hierarchical construction by talking about the authoritative order.
Then, I presented the branch I was working in, and I made sense of the labor force appropriation
in the bank, Next, I expressed my length of temporary position in the bank and the divisions that I
served. Subsequently, I went through the preparation deliberately ease in which I was shown the
key cycles engaged with the working of the bank, for example, account opening, dispatching,
foreign remittance, and so on.
Then, I made sense of how banks are overseen and arranged to keep the progression of banks
typical. I likewise talked about the association methodology that is trailed by workers, for example,
directors, and IT specialists, and afterward, I made sense of the job of pioneers and their part in
controlling the bank.
From that point onward, I have played out the primary examination of the bank in which I
expressed how poor the documenting framework and occupations the board framework was. I
additionally told how the worker-client connection can be improved and the innovation being used
can be gotten to the next level. In addition, the low benefit and its influences are likewise examined.
Also, the issues regarding client security
At long last, I expressed the parts of the bank where it sparkles, the spots where it is in the shadows,
the potential open doors that can upgrade the bank's working lastly the dangers that jeopardize the
bank. And afterward, I finished up the report with my remarks.

5. Organizational Structure
HR Structure
Note: As per the new HR structure, all HR resources in 37 Regions will report directly to their
respective Regional HRBP.
Inclusive Development Group

6. Organogram of IDG with Regard to Region
The Organizational Chart and Sub-charts are very descriptive. The defined hierarchy suits the
needs of the Bank and can manage the affairs smoothly. Unlike other Banks, the ranking is less
complex and is easy to follow and understand, the organization has a flexible structure.
Internship Activity Plan
Internship Branch Introduction
I started my internship at the Circular Road Branch (1453) from September 09, 2022, to November
09, 2022.
Number of Employees Working in the Branch
The following are the names of employees that are designated at various places in the bank.

7. Name Designation
Mr. Chaudhary Naveed Ahmed Branch Manager
Mr. Muhammad Asjad Operation Manager
Miss Ghulam Fatima Deposit Officer
Mr. Muhammad Ali Head Cashier
Mr. Chaudhary Shakeel Ahmed Remittance Officer
Starting and Ending Date of Internship
From September 09, 2022,
To November 09, 2022.
Names of Departments where I worked
I have worked in the following departments during my internship at the National Bank of Pakistan.
● Account Opening
● Remittance and Bill Section
● Clearing Section
● Dispatching
● Government Department (Pension)
Training Program
While I was doing my internship at NBP I saw that the hypothetical ideas that I learned at the
University of Gujrat were carried out practically the entire Branch. The hypothesis and the models
that I concentrated on in monetary bookkeeping about Bank Compromise, records, and asset
reports were effectively and stringently followed. The characterized order of the association was
completely followed. POLCA capability was at its ideal, the supervisor of the Bank plans, controls
and characterizes the work process and guarantees that the staff is giving its all. I saw that our
Administrator was following Hypothesis X as he was acutely noticing every single staff action and
was likewise furious in some cases. The exercises referenced above offered me experience and
learning chances. The supervisor was functioning as a genuine pioneer and was directing the group

8. decidedly, in some cases as he was a touchy individual and kept every one of the guidelines and
guidelines so I can say that he was an extremely severe Director.
Account Opening
Filling the forms and directing the clients who couldn't fill their structures was my assignment, I
used to look at every one of the prerequisites and record connections, and ship off Mr. Muhammad
Asjad who might sign every one of the reports, and afterward sign from all the concerned staff was
considered opening was started, regularly new record opening requires 3 to 4 days. Here I noticed
the account opening cycle. I likewise found out about the necessity for opening up an account in
NBP. Opening an account implies that the client lays out a connection between the bank and
himself.
Very much like different Banks, NBP likewise ensures that the Candidate applying for the record
is a planned client or not. In the wake of checking this, the candidate's occupation, respectability,
and nature of business are resolved through references. The room for giving and taking as of now
is extremely less, a little slip-up can prompt more prominent issues.
To keep the course of record opening concrete and all together, the Government Administrator of
the Banks of Pakistan has committed every one of the Banks to keep every one of the subtleties
and performs of the course of record opening alongside every one of the subtleties of the individual
who acquainted the client with the Bank. As a direct result of this Commitment, Branch Chiefs
need to get every one of the records and Qualifications of the Candidate and the Speaker.
During my work range in the Account Opening segment, I was guided by my seniors to remember
a couple of focuses which are the fundamental necessities for a candidate to open up a record.
They are as per the following:
● Signatures of the account holder are taken on the account opening forms and are verified
by the Bank Officer.
● Bank requires a copy of the NICs as well.
● Bank keeps the right to reject the application of the customer without any reason.
● A unique account number is allotted to the applicant.
● The nature of the account determines the amount deposited at the time of opening an
account.

9. During my work range and involvement with NBP, when a customer applies to open another
account, the official at Bank furnishes the customer with the application structure, and the vital
data to be realized by the bank should be filled in by the client. This application structure
additionally requires every one of the records and connections required from the client side.
The basic needs of the Application form are
● Account Title
● Applicant’s Full Name
● Customer’s Occupation
● Customer’s Address
● Customer’s Contact Number
● Account’s Currency
● Business Nature
● Name, Address, and Number of the Nominee
● Accounts related special instructions
● Amount to be deposited initially in the account
● Applicant’s Signature
Remittance and Bill Section
One more significant office in the bank is settlements. Individuals send their cash to different
people and associations through different ways for example Bank draft, Transmitted Move, Mail
Move, Coupons, Govt. Draft and Western Association Cash Move and so on. It works both
internally and outward.
The clients gather their cash/sum through bills. They present their Check, drafts, and different bills
for assortment inside the city and out of the city through the mail. Presently days Web based
Banking is turning out to be more well known for this reason however the branch where I got to
prepare didn't have this office.
Here in Settlement Office, I used to make Pay Requests, Dd's, fill exchange structures, and cash
move structures, likewise made Ddr's, during making these exchanges I additionally kept a keep
an eye on the Client as though it is shut or not.

10. Clearing Section
I worked in a clearing section where my primary obligations were to clear the Check and securities.
There are three stamps put on each Cheque, sent for clearing:
● Crossing Stamp
● Endorsement Stamp
● Clearing Stamp
CC controls the intra-city Check. First, these Checks are noted down in a daybook, here various
numbers are designated to these Checks. After entering the Check and doling out numbers to it, a
Performa in which subtleties on who draw the cash, the Check number, the sum, and who is taking
the cash are recorded. After this, the Check is posted alongside its filled Performa.
Here I used to enter information on the Look into the PC framework to check whether the record
with-holds this much sum, after the confirmation of the sum, the exchange was made into the
framework and, as the bank utilizes the old types of record keeping, a register is likewise kept up
with and I entered the sum, name of the individual pulling out the cash in the event of open take a
look at the date and the mark of the pulling out individual if it is other than the record holder and
stepped the Check to pronounce it to take cash from the counter and give the client a token and
compose the symbolic number on the Check so the cash counter can call the particular client, here
I felt the need of current Financial framework as they have programmed counters and mechanized
bell frameworks which were not accessible in that frame of mind of NBP.
Dispatching
is an actual capability, in which we hand over the everyday exchanges to the working office
through the arrival of exchanges and guidance with a recently created plan of exercises that are
laid out by the booking part of the division. The fact that will play out the dispatching makes the
dispatcher an individual. Dispatch capability decides, by whom the occupation will be finished. A
dispatcher knows all about, how to keep up with true reports, and how to investigate day-to-day
exchanges.

11. There are two types of dispatch functions.
Centralized Dispatch system
In this sort of dispatch framework, the dispatch division sends exchanges straightforwardly to
different branches. It keeps up with a full record of every exchange of each capability. It enjoys
the following benefits.
● A more noteworthy level of generally speaking control can be accomplished. Powerful co-
appointment between various offices is conceivable.
● It has greater flexibility
● Because of the urgency of orders, changes in schedules can be affected rapidly without
upsetting the whole system.
● Progress of orders can be readily assessed at any time because all the information is
available at a central place.
● There is an effective and better utilization of manpower and machinery.
My Role as Dispatcher
My Role as the dispatcher was:
● As a communication dispatcher.
● As a computer-aided dispatcher.
● Performs duty as shift supervisor/lead dispatcher.
● Doing duties of dispatcher for maintaining daily transactions.
Analysis of Management Functions of the Organization
Planning
Planning determines the organizational goals and the means of achieving them.
● Organizations planning strategies
The main objective and goal of a commercial bank is to earn profit. National Bank of Pakistan’s
current strategy is to value the customers and provide services that people can trust. NBP has a big
advantage of distributing Government Salaries and Pensions.

12. ● Decision-Making Process
The National Bank of Pakistan has the following Decision-Making Process.
● At Head Office Level
The President of the Bank is the President of the Association. He is the Executive of the Top
managerial staff. The Board is liable for Policymaking and execution of the relative multitude of
significant choices.
The directorate likewise gives due weightage to the recommendations submitted to them by the
field functionaries from time to time while making strategies for the bank's revenue. We can
express that there is vote-based air and climate for a dynamic Cycle.
● At Regional Office Level
The Regional Business Boss directs the Territorial Supervisory group (RMT). All choices are
made by the RMT Altogether. The five divisions all's Local Bosses are the individuals from this
group.
● At the Branch Level
The branch manager decides in association with the branch operations manager and other staff
members.
Organizing
● Organizational Design
is the process of developing or changing an organization’s structure. This involves the decisions
of about six key elements, which are: Work Specialization, Departmentalization, Chain of
Command, Span of Control, Centralization/Decentralization, and formalization.
● Work Specialization
is how much the work is important to accomplish hierarchical objectives and is divided into
different positions. These positions are performed lined up with one another and their joined

13. outcome is considered the authoritative objective. One more term for this is a division of work.
NBP accentuates work specialization and occupation determination.
● Managing IT and Communication
Today banking is turning out to be increasingly automated and it is the I.T. support that can further
develop client care and lessen the expense required simultaneously. At NBP we have explained
plans for change of the whole I.T. design of the bank by carrying out center financial arrangements.
The said innovation won't just expand our conveyance by many overlays it will likewise work on
our interior systems in this way lessening the value-based cost and lead time for the administration.
Be that as it may, NBP needs the IT field from various Banks. NBP requirements to accompany
recent fads of Web-based Banking and Bookkeeping.
Leading
● Leadership Style
NBP is embracing the majority rule style of administration in which workers include in the
dynamic cycle. The bank utilizes client criticism to mentor workers for the dynamic cycle. The
majority rule authority style could add to both the amount as well as great work.
● Power and Politics
The political issues engaged with any association play an extremely critical part in molding its
future. The legislative issue is pretending with the awareness of certain expectations. The authority
abilities of the individual in control fundamentally shape the eventual fate of the bank. If the
pioneer isn't winning over being a decent pioneer, then, at that point, individuals working under
him can utilize the majority rule ability to transform him.
● Motivation
The pioneer assumes a vital part in elevating the workers in any difficulty. The work in the bank
is extremely tedious and requires inspiration and backing from the authority. The pioneer goes
about as an aide for the workers and his specialized predominance is vital for the representatives.

14. Controlling
● Controlling of Operations
The bank is committed and centered towards great quality client care and in 2007 with the saying
'Putting a grin on our Client's face', it put forth purposeful attempts and took various drives to
further develop the client experience and bank's acting abilities. Studios and courses were directed
to scatter the vital message of "phenomenal client assistance". It is changing the bank's offices to
give a cutting-edge look and comfort. Various branches have been moved to conspicuous and
extensive areas. It additionally has laid out particular client assistance focuses to take care of
annuity installments, utility, and government assortments solely. These are supposed to lessen
counter traffic at our branches and will expand our conveyance channels for better and helpful
administrations. Business hours have been stretched out with the foundation of client assistance
workplaces at the territorial levels to help the on-the-spot goal of client grumblings.
● Controlling the Performance
o Interior control is the crucial control of any bank office. The ampleness of interior
controls decides generally the gamble profile of the particular branch. Practically
every one of the potential cheats can be investigated the whole way to come from
flawed inward controls or their nonattendance.
o Since inner controls have developed throughout the long term, NBP has
acknowledged them without question as of recently. Innovation of computerization,
which has changed the actual substance of Banking, has compromised large
numbers of the inside controls not just due to different reasons like the execution
of exchange in an alternate strategy.
o Checking progress towards objective accomplishment and making a restorative
move when required. NBP is underlining controlling to the reconciliation of the
exercises, plans, perspectives, arrangements, and endeavors of individuals of the
Bank cooperating to give sensible confirmation that the association will accomplish
its goals and mission.

15. Critical Analysis
Organizing
● Poor Filing System Record
During my entry-level position in the bank, I saw that the recording arrangement of the bank isn't
present day and in this way, it has a ton of potential for advancement and can be streamlined and
updated by utilizing data sets and electronic framework.
● Job Analysis
The work examination of the bank caused me to understand that certain individuals are
straightforward alumni in this way during the recruiting prepared, talented, and work-situated
individuals are energized for the gig.
Marketing Management and Customer Relation Management
● Customer Dealing & Satisfaction
In NBP the management between the client and the teller is efficient however during the rush
clients need to sit tight for extensive stretches thusly it is extremely difficult for an expected client
to get the data. Offices for client support are not legitimate and at some point, the client feels
faltering before moving toward a framework that is convoluted because of unfortunate shows.
● Lack of Business Communication
There is no proper method for giving data to the client. The Bank loses your certainty if a minor
disappointment is made and strain on the brain of the client.
Information Technology
● Lack of Computer Technology
One of the issues that were looked at by the workers was the extensive methodology of the desk
work. Additionally, the absence of PC innovation is troubled over the bank representative so they
can't truly focus on legitimate consideration of the clients and comprehend their hardships during
going about business.

16. Banking and Finance
● LOW-PROFIT
NBP give low benefit rates to their client so the majority of the clients have moved their accounts
to the National Saving Centre because of their high benefits. NBP ought to build its benefit rates
to draw in the client.
● Efficient Banking
Proficient banking is don't underline many records however greater measures of the store while in
an NBP account are all the more yet saving is low.
Controlling
● Manager Authority
The manager has restricted power he simply supports the occupation when the staff is absent from
his office. The client has a sit tight for a long time and I saw that there are postpones in endorsing
credit cases structure the administrative center which makes disappointment the client.
Planning
● Lack of Planning Abilities
I saw that during the responsibility time frames, for example, Beneficiary's most memorable seven-
day stretch of the Month, there was no well-conceived plan concocted by the Trough, he used to
simply lounge around and trust that things will occur, while representatives in all actuality do get
disappointed and they don't work by heart which thus impacts the Bank's efficiency.
SWOT Analysis
For the Natural filtering of the association, the SWOT investigation is finished. It is the
examination of strengths, weaknesses, opportunities, and threats. NBP's SWOT investigation is:
Strength
Significant Strength of National Bank is its name and logo. NBP is viewed as the Mainstay of
Pakistan's economy. NBP has the type to rival Pakistan's best Global Banks and can stay aware of

17. the recently arising patterns of present-day banking and PC frameworks. Throughout the long term,
NBP's held assets have been expanded. NBP is extending business overall which is a benefit over
the rest of the Banks in the Business. NBP holds a tremendous gathering of clients worldwide and
locally. A couple of additional qualities of NBP are.
● A Cultural Organization
Being a legal administrator and a specialist of the State Bank of Pakistan, NBP invests heavily in
being a social association, helping clients and residents of all strolls all over the nation, and is one
of only a handful of exceptional Banks which has a presence in each city of Pakistan.
● Friendly Policies
Not at all like different Banks in Pakistan, NBP 's client connection and client-board approaches
are more expected towards the client and are well disposed of, which thus builds the client's trust
in the Bank's expanding benefits. Plans like Bancasurance and Rozgar conspire have assisted many
individuals with developing their organizations.
● Special Policies for Industries
Plans like Financial Backers Benefit Advanced Businesses; NBP has a colossal pool of Modern
clients available to it.
● One of the Best Research Teams
As expressed previously, as a legal administrator of the State Bank of Pakistan, the National Bank
has an exclusive class of investigates and monetary research organizations, that are continually
dealing with making the Bank's tasks smooth and more dependable and accomplishing productive
outcomes.
● Strategic Management
The top administration of the Bank as expressed before is exceptionally essential; they devise the
methodologies after talking with the analysts, and support techniques which thusly benefit the
Bank in the lengthy run.

18. ● Easing the customers
Having Branches all around the nation is one approach to giving straightforwardness to clients,
alongside this office of having a neighborhood Bank, NBP's strategies are exceptionally client
situated.
● AAA/A-1+ rated bank
State Bank of Pakistan has evaluated NBP as AAA/A-1+ Bank. This without a doubt shows the
strength of the Bank.
● Having the largest number of accounts in Pakistan
Due to having branches all around the country, NBP has accomplished the achievement of having
the biggest client pool in contrast with some other banks in Pakistan.
● It is a Government Bank
A large portion of the Public Authority Issues, similar to benefits, reserves, and different assets are
managed by NBP, being an Administration Bank; it serves individuals inside and out, whereas
State Bank can't reach them.
Weaknesses
Significant-level Chiefs are employed by well-known foundations and associations. As those
workers have an alternate foundation, it makes it hard for them to go with sound choices which
can be an advantage of this bank. Scaling back made numerous clients of NBP leave. This scaling
back made dangers the bank as the contenders made use. NBP is losing the Piece of the pie and its
client's smooth out. Scarcely any significant shortcomings of NBP are given beneath.
● Rural Sector development is given less attention
Remembering the way that I worked in the Roundabout Street Branch, the further you go from
enormous urban communities, the less consideration is given to the Banks.

19. ● Lack of Network Capabilities
Organizing Framework in our Bank was wretched. Additionally, the correspondence between the
branches is extremely hard and tedious.
● Poor Advertisement plan
During my temporary position and when I wasn't doing an internship, I have consistently seen
NBP on a back foot concerning commercials. No commercial plans are carried out; I could barely
track down any pamphlet or flare in our Branch.
● Lack of Staff
I noticed the staff workers of the NBP are not enough. the branch where I was working has only 3
staff members and 1 branch manager, which results in remote working and unhappy customers.
Opportunities
An exceptionally splendid expert future lies in front of NBP. NBP has contrived a well thought
out plan to procure back its lost position and the client smooth out from very much as they had
previously and to build their productivity and recapture the trust of the clients very much like they
used to have before. Besides, NBP is the main bank that gives the overall population the simplicity
of presenting their service charges the entire day. The generosity of the NBP is something that no
contender can accomplish in the manner in which NBP has gotten it done.
● Good Image among the people
Being an Individual bank and having the trust of the clients is an incredible benefit for the Bank
to accomplish new skylines of Banking and achievement.
● Rapid Industrial growth
The modern development in the nation is an extraordinary chance for the Bank to present new
open doors and plans for modern clients and increment the Bank's True capacity.

20. ● Agent of the State Bank of Pakistan
As expressed not many times before, being the legal administrator and specialist of the State Bank
Pakistan, this imprint and mark can assist Save money with making progress in the approaching
future.
● Training and Discipline
Bank staff ought to be more expert and outfitted with the Fundamental IT Information and ability
to use the PCs.
Threats
Little Banks are not a danger to NBP's standing as the Client Pool of NBP is brimming with
colossal financial backers so these little banks can't danger the trustworthiness of NBP. In any
case, the significant opponents of the Bank incorporate HBL, Meezan and Bank Alfalah which can
be a danger to NBP as they are arising exceptionally quickly. A portion of the different threats that
NBP is confronting is
● Political Instability in the Country
Political Shakiness in the Nation is an exceptionally significant danger for the Bank as the Bank
is going about as the legal administrator of the State Bank of Pakistan.
● Newly emerging competitors
Expanding contests are bringing about losing clients.
● Lack of Modern Techniques
NBP misses the mark on Current Financial Methods. This gives its rivals the benefit to assume
control over the bank in client numbers.
● Increasing Customer Complaints
Clients are griping about the inadequacy of the staff.

21. ● Competition is increasing day by day
New banks are opening, the rivalry is expanding, and NBP needs to work on quality or they will
wind up losing their current clients as well.
Conclusion
During my whole preparation program, starting from the temporary job till composing this report,
I have understood that the National Bank of Pakistan is a purposefully organized association and
it is serving its clients all over Pakistan through its far and wide organization of branches. It is
offering many administrations and items at simple markup rates to esteemed clients. The clients
are esteemed and are served as the primary goal. The representatives of the Bank are a lot of helpful
and work sincerely subsequently buckling down for the progress of the Bank.
Determinations are made based on merit yet references and approaches are a lot of famous in the
National Bank of Pakistan. The Bank serves individuals well and it has started unique moral drives
while circulating benefits among individuals, particularly the advanced-age individuals who come
from far regions to get their annuities. They are managed compassionately and the Bank
environment is very client amicable.
Recommendations
Coming up next are certain ideas and proposals for the NBP.
● First of all, NBP needs to provide staff to all branches, there is a shortage of staff.
● As I would like to think the exchange cycle ought to be short so the time is put something
aside for both the clients and the bank.
● Staff strength ought to be upgraded and proficient qualified people ought to be employed
based on merit.
● Eliminate Nepotism and Make Designation of Power.
● It is suggested that legitimate preparation ought to be given to the staff individuals which
will eventually expand the exhibition of the Bank overall.
● To support work fulfillment, NBP needs to offer advancements and motivating forces every
once in a while.

22. ● The bank ought to spend more on redesigning the branches to further develop the climate
and environment to draw in clients.
● There is the absence of counters in the bank; more counters will be acquainted with work
with the clients.
● NBP requirements to send off portable banking
● For old matured clients and beneficiaries, the Bank needs to present another counter too
which is committed to them the entire day.
● I saw no review group come in for examination during my work length, assessment groups
ought to work all the more effectively.
● At our branch there was a no different counter for Service charges, there ought to be a
different counter for a wide range of service bills.
● They need to improve the most common way of designating credits to be faster way.