The document provides an overview of the National Bank of Pakistan's (NBP) overseas operations. It discusses NBP's history, objectives, activities, branch network including domestic and overseas branches. It also outlines NBP's vision, mission and the values it aims to deliver to customers. Key reasons why NBP opened branches overseas include representing Pakistan globally, increasing profits and facilitating international trade. The document concludes with recommendations to help NBP improve performance and increase customers by opening more branches worldwide and adopting international standards.

1. “The Characteristics That May Influence
Business Interactions In A Foreign Country”
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AAArrrssshhhaaaddd HHHuuusssaaaiiinnn
PPPrrreeepppaaarrreeeddd BBByyy
SSSuuummmaaaiiirrraaa SSSuuullltttaaannnaaa TTTaaalllpppuuurrr
JJJUUUNNNEEE 222,,, 222000000888

2. AAACCCKKKNNNOOOWWWLLLEEEDDDGGGEEEMMMEEENNNTTT
I thank Almighty Allah for giving me patience and courage in making this report. I
would like to acknowledge the help of this report. The time required to prepare this
report must be paid for my teacher Mr. Arshad Husain, who encourages me to prepare
this report on NBP overseas operations. I sincerely thank him to provide the ideas and
suggestions for this report.
I would also like to thank to Mr Sardar Muhammad Waheed (NBP group chief) to help
in the preparation of this report I sincerely thank him to provide the information, which
is necessary to prepare this report.

3. EEExxxeeecccuuutttiiivvveee sssuuummmmmmaaarrryyy
The topic of my report is
“““TTThhheee CCChhhaaarrraaacccttteeerrriiissstttiiicccsss TTThhhaaattt MMMaaayyy IIInnnfffllluuueeennnccceee BBBuuusssiiinnneeessssss iiinnnttteeerrraaaccctttiiiooonnnsss
iiinnn aaa fffooorrreeeiiigggnnn cccooouuunnntttrrryyy”””
In order to demonstrate this topic I select an organization “National Bank of
Pakistan” As I know in the today’s competitive world survival of any organization
is too much difficult because keep customer loyal is difficult task for any
organization. In order to survival and growth organizations now look beyond their
domestic boarders and search opportunities internationally which are feasible for
them. I write my report on the NBP overseas operations.
NBP maintains its position as Pakistan's premier bank determined to set higher
standards of achievements. It is the major business partner for the Government
of Pakistan with special emphasis on fostering Pakistan's economic growth
through aggressive and balanced lending policies, technologically oriented
products and services offered through its large network of branches locally,
internationally and representative offices.
NBP offer services such as Demand Draft, Mail Transfer, Pay order, Telephone
telegraphic, NBP Karobar, Travelers Cheques, Letter of Credit, Commercial
finance, foreign remittances, swift system, Short Term Investments, NIDA,
Agriculture finance services, agriculture credit, farm credit, production loan,
corporate finance loan etc.

4. NBP open its branches overseas because of following reasons,
Represent Pakistan Globally, Increase Profits, Facilitate International Trade,
Increase customers Ratio, Increase shareholders wealth, Earn foreign
Exchange, Competition, Facilitate Local customers, Increase sales of Its
products, Want to acquire strong financial position, Learn Different Culture, Want
Global Presence, Explore International Markets for its Product, Find foreign talent
or expertise for its local branches, Learn International Job training for its
Employees, Operations in different Working environment, Long term relationship,
Search more innovative products, Increase foreign investment, Search latest
technology for its local branches, Increase its Growth Rate.
I will further include my suggestions which will surely help NBP to improve its
performance and also help to increase customers these suggestions are as
follow,
Open more branches in different countries, Give opportunities its local employee
to work in international branches, Adopt international working Standards also in
local branches, Open one more Training institute in any foreign country, Use of
latest technology in Local Branches, Must hire Eligible candidate, Provide ATM
facility in its Every local Branch.
All in all this report will help the NBP to overcome the darker areas in which it
lacks and will tend to improve its services quality, so that it can provide superior
services to its customers, which will help NBP to grow rapidly.

5. Introduction
This report is prepared on the topic
“The Characteristics That May Influence
Business interactions in a foreign country”
For the demonstration of this topic I choose an organization that is NNNaaatttiiiooonnnaaalll
BBBaaannnkkk ooofff PPPaaakkkiiissstttaaannn... I will analyze the NBP Overseas operations and will
recommend my suggestions which I think should be adopted to open more
branches worldwide, which can help to achieve success and improve
performance.

6. TTTaaabbbllleee ooofff CCCooonnnttteeennntttsss
NNNooo DDDeeessscccrrriiippptttiiiooonnn PPPaaagggeee NNNooo
1
2
3
4
5
6
7
8
9
10
11
12
13
14
HISTORY OF NBP…………………………………………………
OBJECTIVES AND ACTIVITIES…………………………………
BRANCH NET WORK...............................................................
DOMESTIC BRANCHES...........................................................
OVERSEAS BRANCHES..........................................................
NBP VISION.............................................................................
NBP MISSION.......................................................................
NBP DELIVER VALUES TO CUSTOMER................................
NBP SERVICES.......................................................................
CHARACTERISTICS THAT MAY INFLUENCE NBP
INTERACTION IN A FOREIGN COUNTRY............................
CONCLUSION..........................................................................
RCOMMENDATIONS................................................................
APPENDIX................................................................................
BIBLIOGRAPHY........................................................................
PICTURES AND CONTACT PERSONS DETAILS....................
BROUCHERS
1
2
3
3-5
5-6
7
7
8
9-19
20-25
26
27-29

7. 1
HHHiiissstttooorrryyy ooofff NNNBBBPPP
National Bank of Pakistan (the Bank) was established on November 9, 1949 under the
National Bank of Pakistan Ordinance, 1949 in order to cope with the crisis conditions
which were developed after trade deadlock with India and devaluation of Indian Rupee
in 1949. Initially the Bank was established with the objective to extend credit to the
Agriculture sector. The normal procedure of establishing a banking company under the
Companies Law was set aside and the Bank was established through the promulgation
of An Ordinance due to the crisis situation that had developed with regard to financing
of jute Trade. The Bank commenced its operations from November 20, 1949 at six
important jute Centers in the then East Pakistan and directed its resources in financing
of jute crop. The Bank’s Karachi and Lahore offices were subsequently opened in
December 1949. The nature of responsibilities of the Bank is different and unique from
other Banks/financial institutions. The Bank acts as the agent to the State Bank of
Pakistan for Handling Provincial/Federal Government Receipts and Payments on their
behalf. The Bank has also played an important role in financing the country’s growing
trade, which has expanded through the years as diversification took place. Today the
Bank Finances import/export business to the tune of Rs. 52.7 billion, whereas in 1960
financing under this head was only Rs. 1.54billion.

8. 2
OOObbbjjjeeeccctttiiivvveeesss aaannnddd AAAccctttiiivvviiitttiiieeesss
The Bank is providing all banking services of mercantile and commercial banking
Permissible in the country, which include
 Handling of treasury transactions for the Government of Pakistan as agent to
The State Bank of Pakistan.
 Providing services under a Trust Deed as Trustee to the National Investment
Trust (NIT) including safe custody of securities on behalf of NIT.
 Accepting of deposits of money on current, fixed, saving, term deposit and profit
and Loss Sharing accounts.
 Borrowing money and arranging finance from other banks.
 Advancing and lending money to its clients.
 Financing of projects, including technical assistance, project appraisal through
long- term / Short-term loans, term finance and Musharika certificates, etc.
 Buying, selling, dealing, including entering into forward contracts of foreign
exchange.
 Financing of seasonal crops like cotton, wheat, rice, sugar cane, tobacco, etc.
 Receiving of bonds, scraps, valuables, etc. for safe custody.
 Carrying on agency business of any description other than managing agent, on
behalf of clients including Government and local authorities.
 Generating, undertaking, promoting, etc. of issue of shares and, bonds, etc.
 Transacting guarantee and indemnity business.
 Undertaking and executing trusts.
 Joint venturing with foreign dealers, agents and companies for its representation
abroad.
 Participating in "World Bank" and "Asian Development Bank's" lines of credit.
 Providing personalized Hajj services to intending Hajjis.

9. 3
BBBrrraaannnccchhh NNNeeetttwwwooorrrkkk
Presently the Bank is divided into 10 Groups headed by SEVPs/EVPs. Its field
operations are controlled by 9 Regions reporting to as many Regional Chiefs, who
control 40 Zones and 15 Single Branch Zones headed by Zonal Chiefs; 12 corporate
branches and 1,395 domestic branches headed by Branch Managers. With the
geographical development of its branches, the Bank has been able to extend its
services to a much larger number of Pakistanis all over the country. Today it has more
than 8.5 million accounts. Bank maintains its presence in all the major financial centers
of the world through its 23 overseas branches and 5 representative offices. Of these,
three Representative offices have recently been set up at Tashkent (Uzbekistan), Baku
(Azerbaijan) and Almighty (Kazakhstan) to take advantage of the emerging
opportunities in CIS countries. Bank’s role globally is well assisted by its network of
correspondent banks Located strategically in Asia, America, Europe and Africa. Apart
from having a vast branch network, Bank is at the forefront in the acquisition and
Application of new technologies in every aspect of its banking facilities. It has acquired
leased telephone lines for on-line banking. The Bank has 12 Regional Computer
Centers To cover various on-line and batch system requirements of branches and
controlling offices. Bank has also a presence on the Internet. It has modernized its
services by installing Automated Teller Machines (ATMs) called "CASH LINK" at
selected branches and presently 17 ATMs are operational in major cities.
DDDooommmeeessstttiiiccc BBBrrraaannnccchhheeesss
SSSiiinnndddhhh
 Dadu/Sangher
 Hyderabad
 Jacobabad/ Shikarpur
 Karachi

10. 4
 Larkana
 Mirpurkhas/badin
 Nawabshah/Noshero feroz
 Sukker/khairpur
 Tharparkur
BBBaaalllooouuuccchhhiiissstttaaannn
 All Branches
PPPuuunnnjjjaaabbb
 Bahawalpur
 D.G.Khan
 RY Khan
 Faisalabad
 Gujranwala
 Sialkot/Narowal
 Islamabad
 Jhang
 Jhelum / Gujrat/ Chakwal
 Lahore
 Multan/bahawalnagar
 Muree/Attock/Gilgit
 Rawalpindi
 Sahiwal
 Sargodha/Sheikhupura

11. 5
NNNWWWFFFPPP
 Abbottabad/Manshera
 Bannu/D.I.Khan
 Kohat/Mingora
 Mardan
 Peshawar
AAAzzzaaaddd KKKaaassshhhmmmiiirrr
 Muzaffarabad
 Mirpur
OOOvvveeerrrssseeeaaasss BBBrrraaannnccchhheeesss
AAAmmmeeerrriiicccaaa AAAnnnddd EEEuuurrrooopppeee RRReeegggiiiooonnn
 USA
 Canada
 Germany
 France

12. 6
MMMiiiddddddllleee EEEaaasssttt,,, AAAfffrrriiicccaaa &&& SSSooouuuttthhh AAAsssiiiaaa RRReeegggiiiooonnn
 Bahrain
 Egypt
 Bangladesh
 EPZ
FFFaaarrr EEEaaasssttt RRReeegggiiiooonnn
 Hong Kong
 Japan
 South Korea
 China
CCCeeennntttrrraaalll AAAsssiiiaaannn RRReeepppuuubbbllliiiccc
 Afghanistan
 Turkmenistan
 Kyrgyzstan
 Kazakhstan
 Uzbekistan
 Azerbaijan

13. 7
VVViiisssiiiooonnn ooofff NNNBBBPPP
“““NNNBBBPPP vvviiisssiiiooonnn iiisss ttthhhaaattt iiittt wwwaaannntttsss tttooo bbbeee ttthhheee PPPrrreee---eeemmmiiinnneeennnttt FFFiiinnnaaannnccciiiaaalll IIInnnssstttiiitttuuutttiiiooonnn
iiinnn PPPaaakkkiiissstttaaannn aaannnddd aaaccchhhiiieeevvveee mmmaaarrrkkkeeettt rrreeecccooogggnnniiitttiiiooonnn bbbooottthhh iiinnn qqquuuaaallliiitttyyy aaannnddd
dddeeellliiivvveeerrryyy ooofff ssseeerrrvvviiiccceee aaasss wwweeellllll aaasss ttthhheee rrraaannngggeee ooofff ppprrroooddduuucccttt oooffffffeeerrriiinnnggg”””
MMMiiissssssiiiooonnn ooofff NNNBBBPPP
“““OOOuuurrr MMMiiissssssiiiooonnn tttooo bbbeee rrreeecccooogggnnniiizzzeeeddd iiinnn ttthhheee mmmaaarrrkkkeeettt ppplllaaaccceee bbbyyy
iiinnnssstttiiitttuuutttiiiooonnnaaallliiizzziiinnnggg aaa mmmeeerrriiittt aaannnddd PPPeeerrrfffooorrrmmmaaannnccceee CCCuuullltttuuurrreee,,, CCCrrreeeaaatttiiinnnggg aaa
PPPooowwweeerrrfffuuulll aaannnddd dddiiissstttiiinnnccctttiiivvveee bbbrrraaannnddd iiidddeeennntttiiifffyyy,,, aaaccchhhiiieeevvviiinnnggg tttoooppp---tttiiieeerrr fffiiinnnaaannnccciiiaaalll
pppeeerrrfffooorrrmmmaaannnccceee,,, aaannnddd aaadddoooppptttiiinnnggg aaannnddd llliiivvviiinnnggg ooouuuttt ooouuurrr cccooorrreee vvvaaallluuueeesss”””

14. 8
NNNBBBPPP DDDeeellliiivvveeerrr VVVaaallluuueeesss tttooo CCCuuussstttooommmeeerrrsss
NNNBBBPPP aaaiiimmm tttooo bbbeee aaannn ooorrrgggaaannniiizzzaaatttiiiooonnn ttthhhaaattt iiisss fffooouuunnndddeeeddd ooonnn
 Growth through creation of sustainable relationships with our customers.
 Prudence to guide our business conduct
 A National presence with a history of contribution to our communities
NNNBBBPPP ssshhhaaallllll wwwooorrrkkk tttooo
 Meet Expectations through market-based solutions and products
 Reward entrepreneurial efforts
 Create Value for all its Stakeholders
NNNBBBPPP aaaiiimmm tttooo bbbeee PPPeeeooopppllleee wwwhhhooo
 Care about relationships
 Lead through the strength of our commitment and willingness to excel
 Practice integrity, honesty and hard work. We believe that these are measure of
true success
NNNBBBPPP hhhaaavvveee cccooonnnfffiiidddeeennnccceee ttthhhaaattt tttooommmooorrrrrrooowww IIIttt wwwiiillllll bbbeee
 Leaders in its industry
 An organization maintaining the trust of our Stakeholders
 An Innovative, creative and dynamic institution responding to the changing needs
of the internal and external environment
AAAfffttteeerrr aaallllll,,, IIIttt iiisss “““TTThhheee NNNaaatttiiiooonnn’’’sss BBBaaannnkkk”””

15. 9
NNNBBBPPP SSSEEERRRVVVIIICCCEEESSS
DDDEEEMMMAAANNNDDD DDDRRRAAAFFFTTTSSS (((DDDDDD)))
If you are looking for a safe, speedy and reliable way to transfer money, you can now
purchase NBP’s Demand Drafts at very reasonable rates. Any person whether an
account holder of the bank or not, can purchase a Demand Draft from a bank branch
MMMAAAIIILLL TTTRRRAAANNNSSSFFFEEERRRSSS (((MMMTTT)))
Move your money safely and quickly using NBP Mail Transfer
service. And we also offer the most competitive rates in the
market.
NBP collect utility bills, taxes and different types of collection from customer. It is called
fund transfer of government collection or utilities bill collection. Then all that bills were
transfer through mail transfer. These collections are transfer at the end of the day
For example like utility bills of electricity, gas and telephone are transfer to Aimai House
Abdullah Haroon road, Karachi. This branch is basically called Hub branch of all utility
collections. Then KESC, SSGC and PTCL collected amount and bill from aimai branch.

16. 10
PPPAAAYYY OOORRRDDDEEERRR (((PPPOOO)))
NBP provides another reason to transfer your money using our facilities. Our pay
orders are a secure and easy way to move your money from one place to another. And,
as usual, our charges for this service are extremely competitive.
TTTEEELLLEEEPPPHHHOOONNNEEE TTTEEELLLEEEGGGRRRAAAPPPHHHIIICCC (((TTTTTT)))
NBP provides another facility to transfer the money very fast
as within half an hour so this is called TT. In this money can
be transfer to NBP branch to NBP only any where in
Pakistan for this NBP charge exchange, postage and telephone charges.
Postage were fixed as Rs. =75.
Telephonic is Rs.250
Exchange was depending upon the amount of money.
In TT NBP made some codes for customer information then the NBP responding branch
recheck the code of customer so it is consist of two number part 1 and part 2.

17. 11
Take upto 20 advance salaries
(currently for NBP account holders of govt. or related organization employees).
NNNaaatttiiiooonnnaaalll BBBaaannnkkk ooofff PPPaaakkkiiissstttaaannn (((NNNBBBPPP)))
In January-2003, National Bank of Pakistan has launched a unique product, ‘NBP-
Advance Salary’. Currently this product is for fixed-income permanent employees of
Federal & Provincial Government, Semi-Government, Autonomous, Semi-autonomous,
local bodies and other Government organizations. The product is purely cash flow
based and offers its holder to avail 20 (twenty) net salaries in one go to be repaid in up
to 60 (sixty) months. With no collateral, insurance or requirements, Advance Salary
provides rapid disbursement in a short turnaround time.
KKKAAARRROOOBBBAAARRR DDDEEETTTAAAIIILLLSSS
Government of Pakistan (GOP) support:
1. Life and disability insurance paid by GOP with no medical
examination required.
2. 6% mark-up paid by customer, rest paid by GOP.

18. 12
111... NNNBBBPPP KKKAAARRROOOBBBAAARRR UUUTTTIIILLLIIITTTYYY SSSTTTOOORRREEE
(((UUUNNNDDDEEERRR AAA FFFRRRAAANNNCCCHHHIIISSSEEE WWWIIITTTHHH UUUTTTIIILLLIIITTTYYY SSSTTTOOORRREEE
CCCOOORRRPPPOOORRRAAATTTIIIOOONNN)))
Financing will be provided to set-up a Utility Store under
franchise of Utility Store Corporation through
 Set-up of a Utility Store in an owned/rented shop
 A 'Mobile' Utility Store: 4 stroke Petrol/CNG/LPG Vehicle (Rickshaw) with
attached loader body (Thehla type or Store)
222... NNNBBBPPP KKKAAARRROOOBBBAAARRR MMMOOOBBBIIILLLEEE GGGEEENNNEEERRRAAALLL SSSTTTOOORRREEE
Financing will be provided to purchase 4 strokes Petrol/CNG/LPG Vehicle (Rickshaw)
with attached loader body (Thehla type) to set up Mobile General Store without USC
Franchise
333... NNNBBBPPP KKKAAARRROOOBBBAAARRR TTTRRRAAANNNSSSPPPOOORRRTTT
Financing will be provided to purchase a 4 stroke Petrol/CNG/LPG Vehicle (Rickshaw)
444... WWWOOOMMMEEENNN AAANNNDDD PPPOOOVVVEEERRRTTTYYY
Women of today is not the women of yesterday she is more
knowledgeable more

19. 13
confident, and more dynamic. To salute the women of Pakistan, NBP introduces loan
products for the women of Pakistan to bring them out from the hardships of poverty,
through the following self-employed schemes of NBP Karobar.
555... NNNBBBPPP KKKAAARRROOOBBBAAARRR PPPCCCOOO
Finance will be provided to purchase Wireless/ Mobile/Desktop telephone set(s) with
prepaid connection and credit balance(s) to establish a PCO
setup
666... NNNBBBPPP KKKAAARRROOOBBBAAARRR TTTEEELLLEEE---CCCNNNEEETTTRRREEE
Finance will be provided to purchase Wireless/ Mobile/Desktop telephone set(s) with
connection, computer(s) and printer cum fax machine cum photocopier cum scanner etc
to establish a Tele-centre on a rested shop or owned premises
TTTRRRAAAVVVEEELLLEEERRRSSS CCCHHHEEEQQQUUUEEESSS
Negotiability: Pak Rupees Traveler’s Cheques are a negotiable instrument
Validity: There is no restriction on the period of validity
Availability: At 700 branches of NBP all over the country
Encashment: At all 400 branches of NBP
Limitation: No limit on purchase
Safety: NBP Traveler’s Cheques are the safest way to carry our money.

20. 14
LLLEEETTTTTTEEERRR OOOFFF CCCRRREEEDDDIIITTT
NBP is committed to offering its business customers the widest range of options in the
area of money transfer. If you are a commercial enterprise then our Letter of Credit
service is just what you are looking for. With competitive rates, security, and ease of
transaction, NBP Letters of Credit are the best way to do your business transactions.
CCCOOOMMMMMMEEERRRCCCIIIAAALLL FFFIIINNNAAANNNCCCEEE
LLLeeettt uuusss hhheeelllppp mmmaaakkkeee yyyooouuurrr dddrrreeeaaammmsss bbbeeecccooommmeee aaa rrreeeaaallliiitttyyy
Our dedicated team of professionals truly understands the needs of
professionals, agriculturists, large and small business and other segments of
the economy. They are the customer’s best resource in making NBP’s
products and services work for them.
FFFOOORRREEEIIIGGGNNN RRREEEMMMIIITTTTTTAAANNNCCCEEESSS
To facilitate its customers in the area of Home Remittances, National
Bank of Pakistan has taken a number of measures to:
 Increase home remittances through the banking system
 Meet the SBP directives/instructions for timely and prompt
delivery of remittances to the beneficiaries

21. 15
NNNeeewww FFFeeeaaatttuuurrreeesss
The existing system of home remittances has been revised/significantly improved and
well-trained field functionaries are posted to provide efficient and reliable home
remittance services to nonresident Pakistanis at 15 overseas branches of the Bank
besides United National Bank (the joint venture between NBP and UBL in UK)., and
Bank Al-Jazira, Saudi Arabia.
 Zero Tariffs: NBP is providing home remittance services without any charges.
 Strict monitoring of the system is done to ensure the highest possible security.
 Special courier services are hired for expeditious delivery of home remittances to
the beneficiaries.
SSSWWWIIIFFFTTT SSSYYYSSSTTTEEEMMM
The SWIFT system (Society for Worldwide Inter bank
Financial Telecommunication) has been introduced for speedy
services in the area of home remittances. The system has
built-in features of computerized test keys, which eliminates
the manual application of tests that often cause delay in the
payment of home remittances.
NBP
SWIFT
Network
The SWIFT Center is operational at National Bank of Pakistan with a universal access
number NBP-PKKA. All NBP overseas branches and overseas correspondents (over
450) are drawing remittances through SWIFT.
Using the NBP network of branches, you can safely and speedily transfer money for our
business and personal needs.

22. 16
SSSHHHOOORRRTTT TTTEEERRRMMM IIINNNVVVEEESSSTTTMMMEEENNNTTTSSS
NBP now offers excellent rates of profit on all it’s short term
investment accounts. Whether you are looking to invest for
3 months or 1 year, NBP’s rates of profit are extremely attractive, along with the security
and service only NBP can provide.
NNN...III...DDD...AAA
National Income Daily Account The scheme was launched in December 1995 to
attract corporate customers. It is a current account scheme and is part of the profit and
loss system of accounts in operation throughout the country.
MODE OF CALCULATION: AVERAGE BALANCE DURING A CALENDAR MONTH
EEEQQQUUUIIITTTYYY IIINNNVVVEEESSSTTTMMMEEENNNTTTSSS
NBP has accelerated its activities in the stock market to improve its
economic base and restore investor confidence. The bank is now
regarded as the most active and dominant player in the development of the stock
market. NBP is involved in the following:
 Investment into the capital market
 Introduction of capital market accounts (under process)
NBP’s involvement in capital markets is expected to increase its earnings, which would
result in better returns offered to account holders

23. 17
TTTRRRAAADDDEEE FFFIIINNNAAANNNCCCEEE OOOTTTHHHEEERRR BBBUUUSSSIIINNNEEESSSSSS LLLOOOAAANNNSSS
AAAGGGRRRIIICCCUUULLLTTTUUURRRAAALLL FFFIIINNNAAANNNCCCEEE
NBP provides Agricultural Finance to solidify faith, commitment and pride of farmers
who produce some of the best agricultural products in the World.
AAAgggrrriiicccuuullltttuuurrraaalll FFFiiinnnaaannnccceee SSSeeerrrvvviiiccceeesss:::
“I Feed the World” program, a new product, is
introduced by NBP with the aim to help farmers maximize the
per acre production with minimum of required input. Select farms will be made role
models for other farms and farmers to follow, thus helping farmers across Pakistan to
increase production.
AAAgggrrriiicccuuullltttuuurrraaalll CCCrrreeedddiiittt:::
The agricultural financing strategy of NBP is aimed at three main objectives:-
 Providing reliable infrastructure for agricultural customers
 Help farmers utilize funds efficiently to further develop and achieve better
production
 Provide farmers an integrated package of credit with supplies of essential inputs,
technical knowledge, and supervision of farming.
AAAgggrrriiicccuuullltttuuurrraaalll CCCrrreeedddiiittt (((MMMeeedddiiiuuummm TTTeeerrrmmm))):::
 Production and development
 Watercourse improvement
 Wells

24. 18
 Farm power
 Development loans for tea plantation
 Fencing
 Solar energy
 Equipment for sprinklers
FFFaaarrrmmm CCCrrreeedddiiittt:::
NBP also provides the following subsidized with ranges of 3 months to 1 year on a
renewal basis.
 Operating loans
 Land improvement loans
 Equipment loans for purchase of tractors, farm implements or any other
equipment
 Livestock loans for the purchase, care, and feeding of livestock
PPPrrroooddduuuccctttiiiooonnn LLLoooaaannnsss:::
Production loans are meant for basic inputs of the farm and are
short term in nature. Seeds, fertilizers, sprayers, etc are all
covered under this scheme.
If you require any further information, please do not hesitate to
e-mail us
CCCOOORRRPPPOOORRRAAATTTEEE FFFIIINNNAAANNNCCCEEE
WWWooorrrkkkiiinnnggg CCCaaapppiiitttaaalll aaannnddd SSShhhooorrrttt TTTeeerrrmmm LLLoooaaannnsss:::
NBP specializes in providing Project Finance – Export Refinance to exporters – Pre-
shipment and Post-shipment financing to exporters – Running finance – Cash Finance –

25. 19
Small Finance – Discounting & Bills Purchased – Export Bills Purchased / Pre-shipment
/ Post Shipment Agricultural Production Loans
MMMeeedddiiiuuummm ttteeerrrmmm llloooaaannnsss aaannnddd CCCaaapppiiitttaaalll EEExxxpppeeennndddiiitttuuurrreee FFFiiinnnaaannnccciiinnnggg:
NBP provides financing for its clients’ capital expenditure and other long-term
investment needs. By sharing the risk associated with such long-term investments,
NBP expedites clients’ attempt to upgrade and expand their operation thereby
making possible the fulfillment of our clients’ vision. This type of long term financing
proves the bank’s belief in its client's capabilities, and its commitment to the country.
LLLoooaaannn SSStttrrruuuccctttuuurrriiinnnggg aaannnddd SSSyyynnndddiiicccaaatttiiiooonnn:::
National Bank’s leadership in loan syndicating stems from ability to forge strong
relationships not only with borrowers but also with bank investors. Because we
understand our syndicate partners’ asset criteria, we help borrowers meet substantial
financing needs by enabling them to reach the banks most interested in lending to their
particular industry, geographic location and structure through syndicated debt offerings.
Our syndication capabilities are complemented by our own capital strength and by
industry teams, who bring specialized knowledge to the structure of a transaction.
CCCaaassshhh MMMaaannnaaagggeeemmmeeennnttt SSSeeerrrvvviiiccceeesss:::
With National Bank’s Cash Management Services (in process of being set up), the
customer’s sales collection will be channeled through vast network of NBP branched
spread across the country. This will enable The customer to manage their company’s
total financial position right from your desktop computer. They will also be able to take
advantage of our outstanding range of payment, ejection, liquidity and investment
services. In fact, with NBP, you’ll be provided
everything, which takes to manage your cash flow more
accurately.

26. 20
CCChhhaaarrraaacccttteeerrriiissstttiiiccc TTThhhaaattt MMMaaayyy IIInnnfffllluuueeennnccceee NNNBBBPPP IIInnnttteeerrraaaccctttiiiooonnn IIInnn aaa
FFFooorrreeeiiigggnnn CCCooouuunnntttrrryyy
Following are the main characteristics that influence NBP to operate its wings globally.
111... RRReeeppprrreeessseeennnttt PPPaaakkkiiissstttaaannn GGGlllooobbbaaallllllyyy
NBP is the first and largest government bank of Pakistan. Its vision is to promote
Pakistan internationally .it also want that, countries who think that there is no world
wide demand of Pakistani organizations which is operated by Pakistani government
.NBP prove it because the NBP is the only bank of Pakistan that qualifies the
international standards of capital Adequacy ratio.
222... IIInnncccrrreeeaaassseee PPPrrrooofffiiitttsss
Every organization wants to increase its profit at any
cost but in today’s world where companies’ survival is
very difficult then how they increase its profits. So it’s necessary for every
organization to look global opportunities for their products and services. That’s why

27. 21
When NBP fell that its now reaches at saturation point and it’s hard to compete
competition then it’s utilize global opportunities and increase Its profit.
333... FFFaaaccciiillliiitttaaattteee IIInnnttteeerrrnnnaaatttiiiooonnnaaalll TTTrrraaadddeee
NBP provide facility of letter of credit this step encourage local costumers to do
business internationally. Because letter of credit is a guarantee taken by bank to do
business transactions with international client as well as local Client. So NBP foreign
operation also facilitates international trade.
444... IIInnncccrrreeeaaassseee CCCuuussstttooommmeeerrrsss RRRaaatttiiiooo
Basically NBP international operations Increase customers of Its product, which
means sells of product increase which definitely turn in to higher profits and higher
growth rate.
555... IIInnncccrrreeeaaassseee SSShhhaaarrreeehhhooollldddeeerrrsss WWWeeeaaalllttthhh
International operations help National banks to increase its shareholder wealth by
introducing new products and more customers of its products. Because the higher
the customer ratio, higher the sales of the product. And we all are know that when
sales of any organizations increase it also create value for shareholders.
666... EEEaaarrrnnn FFFfffooorrreeeiiigggnnn EEExxxccchhhaaannngggeee
NBP international operation also increase it foreign exchange reserves. Because it
operates different countries and that mean its customers are also foreigners’

28. 22
.suppose they open saving deposit account in NBP so they deposit their own country
currency so this step is also increase growth and stability of NBP.
777... CCCooommmpppeeetttiiitttiiiooonnn
As we all are know that competition are becoming tough in today’s world. So in order
to survival and future growth NBP search opportunities and utilize these
opportunities. It means competition also influencing factor for NBP to operate
internationally.
888... FFFaaaccciiillliiitttaaattteee LLLooocccaaalll CCCuuussstttooommmeeerrrsss
NBP also want to facilitate local customers to provide them feasibility to transfer their
money international banks. Suppose there any kin relations of customers go for
study and they need funds for further expense.so customers never take tension
because pak remit service of NBP resolve this issue.
999... IIInnncccrrreeeaaassseee SSSaaallleeesss ooofff IIItttsss PPPrrroooddduuuccctttsss
Overseas operations also increase Sales of NBP product because
New customer’s increase that’s means sales of product also increase.
111000... WWWaaannnttt TTTooo AAAcccqqquuuiiirrreee SSStttrrrooonnnggg FFFiiinnnaaannnccciiiaaalll PPPooosssiiitttiiiooonnn
NBP also want to acquire strong financial position because we all are now our
country economic and political conditions are unstable so its hard for any
organizations to grow .so in order to strong financially NBP open its branches stable
countries because if some time local branches fail to give it expected return then

29. 23
foreign branches recover its losses which is caused by our domestic country
economic down turn.
111111... LLLeeeaaarrrnnn DDDiiiffffffeeerrreeennnttt CCCuuullltttuuurrreeesss
NBP operate internationally because it also wants to learn different working culture.
Which help it working in local culture. Because if something is new for overseas
culture which is also feasible for its local culture must be adopted by local branches
if it has skilled HRM.
111222... WWWaaannnttt GGGlllooobbbaaalll PPPrrreeessseeennnccceee
NBP also wants its presence globally because global presence helps organizations
to survive in tough and cut through competition.
111333... EEExxxppplllooorrreee IIInnnttteeerrrnnnaaatttiiiooonnnaaalll MMMaaarrrkkkeeetttsss FFFooorrr IIItttsss PPPrrroooddduuucccttt
NBP main purpose is to operate or open its branches overseas search different
market for its products. Basically it target niches market segment because its want to
provide valuable services to this targeted segment.
111444... FFFiiinnnddd FFFooorrreeeiiigggnnn TTTaaallleeennnttt ooorrr EEExxxpppeeerrrtttiiissseee FFFooorrr IIItttsss LLLooocccaaalll BBBrrraaannnccchhheeesss
NBP overseas operations also help it to search cream employees for its local
branches. Because it’s major draw back is its employees are not as skilled as banks
requirement.

30. 24
111555... LLLeeeaaarrrnnn IIInnnttteeerrrnnnaaatttiiiooonnnaaalll JJJooobbb TTTrrraaaiiinnniiinnnggg fffooorrr IIItttsss EEEmmmpppllloooyyyeeeeeesss
Global operations also help NBP to learn international standards job trainings for its
employees which definitely increase moral of its employee because NBP have its
own on the job training institute. it Further learn how to provide best job training to
employees through its overseas working environment.
111666... OOOpppeeerrraaattteee IIInnn DDDiiiffffffeeerrreeennnttt WWWooorrrkkkiiinnnggg EEEnnnvvviiirrrooonnnmmmeeennnttt
NBP also want to learn how operate in different working environment through
operate internationally. Because it want to know the ups and downs of different
environments. And also want to operate successfully in
every kind of environments.
111777... LLLooonnnggg TTTeeerrrmmm RRReeelllaaatttiiiooonnnssshhhiiippp
It also want to maintain good relationship with different countries because suppose
due to political and economic unstablitiy in our country it face economic or financial
crises in its local branches then every country in which its branches exist, central
banks must help its in time of difficulty.
111888... SSSeeeaaarrrccchhh MMMooorrreee IIInnnnnnooovvvaaatttiiivvveee PPPrrroooddduuuccctttsss
For satisfying its local or international customers it also search new and innovative
product which create value for its customers as
well as its shareholders.

31. 25
111999... EEEnnncccooouuurrraaagggeee FFFooorrreeeiiigggnnn IIInnnvvveeessstttmmmeeennntttsss
NBP International operations also increase foreign investment. Because as we all
are know it’s a government bank of Pakistan and take guarantee for investment then
investors doesn’t fell hesitations to invest in Pakistan. So encourage foreign
investment help to establish our country economy.
222000... SSSeeeaaarrrccchhh LLLaaattteeesssttt TTTeeeccchhhnnnooolllooogggyyy FFFooorrr IIItttsss LLLooocccaaalll BBBrrraaannnccchhheeesss
NBP also want complete understanding of latest technology for its
success because if it don’t have use of latest technology to its local branches that’s
means it’s hard for NBP to survive this competitions. As I visited for my report
preparation in NBP Branches They are still Maintain its record manually and
computers are out dated. This era is for laptop computer not desktop. So it also
search world for new software which help NBP to maintain its record Computerized.
222111... IIInnncccrrreeeaaassseee IIItttsss GGGrrrooowwwttthhh RRRaaattteee
Every organization want to grow rapidly so international operation of NBP help its to
increase its growth rate.beacause this step help to increase its customer, its sales,
get expert cream employees, learning of different cultures, understanding of global
economy so these all are indication of Its Increasing Growth rate.

32. 26
CCCooonnncccllluuusssiiiooonnn
Every organization wants to get success and grow rapidly. So in order to get these long
term perspective every organizations search opportunities world wide before their
saturation point occur.
So I select NBP for My topic explanation. Because NBP operates 18 countries across
world. To get strong financial position and increase its growth rate NBP utilize all
opportunities which are feasible for it.
As I know all about NBP and competition, I am certain the NBP will get success in its
endeavor to improve its sales and profitability, if it should make itself sensitive and
responsive to the environmental demands. Because they are the calls of time.

33. 27
RRReeecccooommmmmmeeennndddaaatttiiiooonnnsss
111... OOOpppeeennn MMMooorrreee BBBrrraaannnccchhheeesss IIInnn DDDiiiffffffeeerrreeennnttt CCCooouuunnntttrrriiieeesss
In order to maintain presence in world market NBP should open its more
Branches in different countries. Or same countries which it is already
Operate. Because more branches generate more revenue and also make
Strong financial position.
222... GGGiiivvveee OOOppppppooorrrtttuuunnniiitttiiieeesss IIItttsss LLLooocccaaalll EEEmmmpppllloooyyyeeeeee TTTooo WWWooorrrkkk IIInnn IIInnnttteeerrrnnnaaatttiiiooonnnaaalll
BBBrrraaannnccchhheeesss
NBP should have to give opportunities to local branches employees to work in its
international branches because they learn different working cultures and adopt
easily international working standard in local branches.
333... AAAdddooopppttt IIInnnttteeerrrnnnaaatttiiiooonnnaaalll WWWooorrrkkkiiinnnggg SSStttaaannndddaaarrrdddsss AAAlllsssooo IIInnn LLLooocccaaalll BBBrrraaannnccchhheeesss
As we know NBP operate in 18 countries. So it should adopt international working
standard in its local branches. For example ATM facility in 18 overseas branches
available but in our country just specific branches have this opportunity.

34. 28
444... OOOpppeeennn OOOnnneee MMMooorrreee TTTrrraaaiiinnniiinnnggg IIInnnssstttiiitttuuuttteee IIInnn AAAnnnyyy FFFooorrreeeiiigggnnn CCCooouuunnntttrrryyy
NBP should open one more training institute as it is in Pakistan. Because that
training institute has acquire international standards.NBP should train its local
employees according to Internationally acceptable working standards .because as I
visited NBP for collecting information regarding my topic I Note that there is no time
management exists. So It is feasible opportunity if NBP take this step and send its
local employees for foreign Trainings.
555... UUUssseee OOOfff LLLaaattteeesssttt TTTeeeccchhhnnnooolllooogggyyy IIInnn LLLooocccaaalll BBBrrraaannnccchhheeesss
Technology is essential for every organization success but when I visit domestic
branches I found that employees still maintain manual records and use out dated
computer system. So NBP should increase morale of its local branches because it
exist internationally just because of local branches devotion. If it works
internationally then it must maintain IAS in its every Branch. So it must use latest
software’s for record keeping.
666... MMMuuusssttt HHHiiirrreee EEEllliiigggiiibbbllleee CCCaaannndddiiidddaaattteee
Another draw back I found in NBP that is hiring of unskilled, insufficient
knowledgeable and not eligible candidates which definitely effect its overseas
operations. as we know that head office of NBP exist here so any decision which
take in international branches must be directed by Head office .NBP should hire
skilled and knowledgeable persons because lack of

35. 29
skill and knowledge create hurdles for making right and good decisions which effect
badly on reputation of any organization.
777... PPPrrrooovvviiidddeee ‘‘‘AAATTTMMM’’’ FFFaaaccciiillliiitttyyy EEEaaaccchhh LLLooocccaaalll BBBrrraaannnccchhh
NBP should provide ATM facility in its all local Branches rather than some major
branches because this step increase its popularity more and create a good
impression on its overseas operations.
Today’s world getting success is difficult. So any organization must think so
Many times before doing any thing. Change is essential for any organization
Success so NBP should adopt changes and provide valuable service to its
Customers because its is necessary to keep remain and loyal customers for
Organization profits as well as growth.

36. NNNBBBPPP PPPrrroooddduuuccctttsss
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Take upto 20 Advance Salaries - Affordable Installations
from 1 - 60 months
One Card does it all - ATM plus Debit Card in one
Invest with Confidence - Marginal Finance Facility

37. Meet your need for ready cash against your idle gold
jewelry with no minimum limits
NBP KISAN Taqat
NBP's affordable agricultural program offers you a wide
range of financing
Knitting Links - AASAN Banking
NBP Helpline
NBP's Internet Based Home Remittances Service
Personal Accident Insurance

38. QQQUUUEEESSSTTTIIIOOONNNNNNAAAIIIRRREEE
1. As we all are know competition is now becoming tough, so that how
NBP retain its loyal customer?
2. Is NBP overseas branches culture is acceptable according to IAS?
3. Which segment NBP target in overseas operations?
4. Are overseas operations feasible for share holders?
5. Are operations feasible for your local customers?
6. Are your overseas operations feasible for your local employees as well
as management?
7. Is there any training system exist?
8. Do you think that employees training are necessary for overseas
operations?
9. Are u plan to open NBP more branches in different countries?
10.Does u have any plan to open training institute in overseas?
11.Is you acquire global presence if yes then how?
12.How you promote your services in foreign markets?
13.As NBP spread its wings internationally does NBP acquire strong
financial position? Or understand global economic conditions?
14.What unique strategy NBP adopt to operate internationally?
15.As we know world is technology driven then what latest technology
NBP adopt in its domestic branches?
16.Do NBP employees understand IAS working environments?
17.Do NBP send your domestic employees for overseas trainings?
18.The objectives which set for NBP success through overseas
operations. Does NBP get these goals? if yes then how

40. BBBIIIBBBLLLIIIOOOGGGRRRAAAPPPHHHYYY
BBBooooookkksss
1. Financial times mastering strategy
2. International Business Analysis
IIInnnttteeerrrnnneeettt
1. www.google.com
2.www.nbp.com
3.www.nbp.pk.com