The document provides information about Bank of Punjab (BOP), a scheduled commercial bank in Pakistan. It was established in 1989 and has 284 branches across the country. BOP mobilizes local resources, promotes savings, and provides investment funds. It aims to be a customer-focused bank with service excellence. BOP offers various banking services including deposits, loans, remittances and bill payments. It has a subsidiary called BOP First Punjab Modaraba. The document discusses BOP's organizational structure, products and services, financial performance and future prospects. It conducts a PEST analysis and concludes that BOP has a high market share due to its focus on excellent customer service.

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3. Presented To:
Prof. Riaz Ahmed
Mian
Presented By:
Mi11bba016
Atta-Ur-Rehman
Mi11bba054
Umer Sadiq
Mi11bba024
Malik Abdul Rehman
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4.  Established in 1989, in pursuance of The
Bank of Punjab Act 1989 and was given
the status of scheduled bank in 1994.
 The Bank of Punjab is working as a
scheduled commercial bank with 284
branches at all major business centres in
the country.
 A wholly owned subsidiary of BOP First
Punjab Modaraba (FPM) was established
in 1992 and is being managed by Punjab
Modaraba Services (Pvt) Ltd.
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5.  The Bank of Punjab has played a vital
role in the economy through
mobilization of untapped local
resources, promoting savings and
providing funds for investment.
 The Bank of Punjab has the privilege
to discharge its responsibilities towards
national prosperity and progress.
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6. “To be a customer
focused bank with
service excellence“
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7. Commitment to economic
strength
Commitment to corporative
governance
Commitment to excellence &
work ethics
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8. Our Customer As our first priority.
Profitability For the prosperity of our stakeholders that allows us to
constantly invest, improve and succeed.
Corporate Social Responsibility To Enrich the Lives of community
where we operate.
Recognition and Reward For the talented and high performing
employees.
Excellence
In every thing we do.
Integrity In all our dealings.
Respect
For our customers and each other.
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9. AWARDS AND REWARDS
Excellence Award by the Central
Board of Revenue
3rd Kissan Time Awards
Best Corporate Report Award
16th Bolan Excellence Award
Achievement Award
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10. CREDIT RATING
The strength and stability of The Bank
Of Punjab is evident through the Credit
Rating assigned by PACRA Credit Rating
Company .
“AA-” (Double A) for long term
“A1+” (A One Plus) for short term.
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11. NATURE OF ORGANIZATION
• The Bank provides all types of banking
services such as Deposit in Local
Currency, Client Deposit in Foreign
Currency, Remittances, and Advances to
Business, Trade, Industry and Agriculture.
• As agriculture is considered as backbone
of our economy The Bank of Punjab has
introduced "Kissan Dost Agriculture
Finance Scheme" to small farmers.
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12. Structure of BOP
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14. Typical Structure of a BOP Branch
Operations of the branch are controlled
by:
• Branch Manager
• Operations Manager.
Staff of the branch is consist on:
• Branch System Administrator
• Operations Staff including
•
•
•
•
Grade I officer
Grade II officer
Grade III officer &
two cash officers
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15. Departments of the Bank
There are following departments of
bank:
•
•
•
•
•
•
•
•
•
Cash department
Remittances department
Clearing & Collection Section
IT Department
Account Opening Section
Accounts Departments
Audit Departments
Consumer Finance Department
Business Development Department
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16. TYPE OF BUSINESS ACTIVITIES
The bank basically works under two
major type of business activities groups
named as:
1) Banking Sector
2) Insurance Sector (EFU)
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17. Branch Networks - Regions
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18. Branches (Region Wise)
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Lahore Central-I Region
Lahore Central-II Region
Lahore North Region
Lahore South Region
Peshawar Region
Islamabad Region
Rawalpindi Region
Sialkot Region
Bahawalnagar Region
Jhang Region
11.
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Multan Region
Faisalabad Region
Gujranwala Region
Gujrat Region
Bahawalpur Region
D.G Khan Region
Jhelum Region
Sheikhupura Region
Sahiwal Region
Khushab Region
Karachi Region
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19. Further information
(Head Office, Main Branch, e.g.)


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Head Office (BOP)
10-B,Block E-II, Main Boulevard Gulberg III Lahore
UAN : 111-200-100
Tel : (042) 35783700-10
Fax :(042) 35783713
Main Branch ,Lahore
Chief Manager
Tel : (042) 99200419-99200187
Fax :(042) 99200351
Officer Training Institute
296- Upper Mall, Lahore (Pakistan)
Tel : (042) 35714180-35755625
ATM Call Centre
Toll Free : 0800 26700
Consumer Banking
Toll Free : 0800 24267
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21. Products
&
Services
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22. Products & Services
BOP product includes all those services which
customer normally required for effectively
managing his business.
 BOP offers the following financial product and
services to its customers.

1)
2)
3)
Deposits
Advances/Loans
Services
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23. 1. Deposits
One of the basic functions of commercial
banking is to receive deposits. BOP accepts
deposits in both local & foreign currency:
i.
ii.
iii.
iv.
v.
vi.
vii.
viii.
Current Account
Gharayloo Saving Account
PLS-Saving Profit Plus Account
Corporate Premier Term Account
Basic Banking Account
Bop Tijarat Account (LCY)
Bop FCY Supreme Current A/C (Us $) / Bop
FCY Supreme Current A/C (Euro)
Munafa Hi Munafa Account
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24. 2) Advancement of loan
Bank of Punjab advances loan in the following
ways:
1) Demand finance
2) Asaish loan
3) Car loan
4) House loan
5) Bop motorcycle loan
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25. 3. SERVICES
BOP offers various services which are following:
a)
b)
c)
d)
e)
TRADE PROCESSING CENTRE
COLLECTION OF CHEQUES
UTILITY BILLS
BOP Locker
ATM / Debit Card
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27. Financial
Analysis
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28. 4) Consumer Finance
Consumer Finance consists on:
 Aasaish Loan
 Quick Cash
 Car Loan
 House loan
 Smart Cash Personal Loan
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29. Financial Analysis
Financial analysis is helpful
to the management of the
organization as well as for
the investors and creditors.
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30. P & L A/C OF BOP FOR THE YEAR 2007 & 2008
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31. BALANCE SHEET OF BOP FOR THE YEAR 2007 & 2008
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32. Assets
assets
Cash and balances with
treasury banks
Balances with other banks
Lendings to financial
institutions
Investments
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33. Liabilities
Bills payable
Borrowings
Deposits and other
accounts
Sub-ordinated loans
Liabilities against assets
subject to finance lease
Deferred tax liabilities
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39. PEST Analysis
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40. Political
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41. Economical
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42. Social
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43. Technological
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44. Future Prospects of the
Organization

The success and growth of Bank of Punjab
depends on:
1.
The Government’s political agenda
Its efforts to bring about a greater degree of optimism
amongst investors and business community.
2.

Bank is highly keen to offer the facility of
inter branch banking services within year
2012.
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46. I concluded that currently Bank of Punjab has a
high market share. So we can say that the
management of Bank of Punjab is very loyal to
its “Customer Service policy”
CONCLUSION
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