Internship Report NBP.

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Al-Hamd Islamic University Quetta. Internship Report of NBP
Prepared By:
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Name of Internee. Abdullah Baig.
Field: Bachelors of Business Administration (BBA) 8th semester.
Specialization In Finance.
8 weeks internship in National Bank of Pakistan M.A Jinah Road
Brach Quetta.
Which was started on August 4, 2014 and finished on September 29, 2014.
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Internship is an integral part of BBA (HONS) program.
For the sake of internship the most initial thing is to have a
practical experience. This effort may lead the student to get a
practical experience if right organization is selected. During
this internship, particle knowledge is gained by the student. He
learns what he has so far studied.
As a BBA (HONS) student I have done my internship in
National Bank of Pakistan, MA Jinnah Road Branch Quetta. Here I
come to know a different and very interesting experience of
learning and working with people. First of all I want to tell you
about Bank then I will tell operations of different departments.
This internship report is specially meant for the students of
BBA (HONS). It is concerned to a brief study of operation,
functions, tasks and services of the National Bank of Pakistan.
Banking play very important role in the finance and
economic development of any country. Now-a-days different
modern technologies are used which influence the managerial
activities. That.s why I decided to do my internship in the bank.
In preparation of this report I have tried my best to provide all
possible information about the operation, functions, tasks and
the corporate information of the NBP in brief and
comprehensive way.
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The internship opportunity I had with National bank of
Pakistan was a great chance for learning and professional
development. Therefore, I consider myself as a very lucky
individual as I was provided with an opportunity to be a part
of it. I am also grateful for having a chance to meet so many
wonderful people and professionals who led me through this
internship period.
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Al-Hamd Islamic University Quetta.
amd Internship Report of NBP
Internship Latter from
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the Branch.
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1. Executive Summary. 01
2. Introduction. 02
2.1. Vision. 04
2.2 Mission. 04
3. History. 04
4. Branch Network. 06
5. Organogram of National Bank of
Pakistan.
08
6. Branch details. 09
7. Departments of the Bank in which I
worked as internee.
09
7.1 Pension 09
7.2 Employee Old Age Benefit Institution.
(EOBI)
10
7.3. Account Opening. 10
7.3.1. Documents To Be Attached 11
i. Sole proprietor’s Account. 11
ii. Private Accounts. 11
iii. Joint Account. 12
iv. Joint Company. 12
v. Partnership Company Account. 13
vi. Societies/Clubs and Association Account 13
7.4 Issuance of Cheque Book. 13
7.5 Clearance Department. 14
7.5.1 In-Word Clearing Book 15
7.5.2 Out-Word Clearing Book. 16
7.6 Remittance Department. 16
7.6.1 Demand Draft 16
7.6.2 Pay Order. 17
7.6.3 Mail Transfer. 17
8.1 SWOT Analysis. 17
9.1 Conclusion. 20
10 Bibliography. 20

1.Executive Summary.
To interrupt my skills and educational knowledge of Finance I done my
internship in National Bank of Pakistan M.A Jinah Road Branch Quetta and to
know how I will work in financial institutions and among various types of
people have different attitude. The objective of this Internship was to explore
the issues relating to Finance and to find out problems regarding the theoretical
concepts with practical experience working in an organization during the
internship and study the system of National
Bank of Pakistan. There are many possible improvements, which we can make
positive changes in the system. There is shortage of employees in the
organization. With development of online banking system the load of work can
be decreased. All the staffs do not know about computer. There is almost one or
two employees are trained to operate the system in every branch. Especially, the
cash department is not familiar with computer and information system. It is not
easy for it to implement a new system immediately it takes a lot of time to
replace systems. Once implemented its testing takes more time. So it is
important for the Bank to develop a research department for redesigning the
operations of the Bank.
The Finance of the bank is experienced but not adequate with the changing
environment of financial institutions. I observed that seniors are illiterate of
computer and not technical hands. New comers have more knowledge about
business administration and skilled in information technology. To update the
skills, it is suggested to develop human resources training programs and
refresher courses.
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Al-Hamd Islamic University Quetta.
amd Internship Report of NBP
2. Introduction.
National Bank of Pakistan
Pakistan. It has redefined its role and has moved from a public sector
organization into a modern commercial
to individuals, corporate entities and government. While it continues to act as
trustee of public funds and as the agent
in those
places where SBP does not have presence
portfolio and is today a major lead player in the debt equity market, corporate
investment banking, retail and consumer banking, agricultural financing,
treasury services and is showing growing interest in promoting and developing
the country's small and medium enterprises and at the same time fulfilling its
social responsibilities, as a corporate citizen
In today's competitive business environment, NBP needed to redefine its role
and shed the public sector bank image, for a modern
offloaded 23.2 percent share in the stock market, and while it has not been
completely privatized like the other three public sector banks, partial
privatization has taken place. It is now listed on the Karachi/Islamabad/Lahore
Stock Exchanges.
National Bank of Pakistan is today a progressive, efficient, and customer
focused institution. It has developed a wide range of consumer products, to
enhance business and cater to the different segments of society. Some schemes
have been specifically designed for the low to middle income segments of the
population. These include
NBP Cash n Gold.
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is one of the largest commercial bank operating in
bank. The Bank's services are available
to the State Bank of Pakistan,
here presence. It has diversified its business
commercial bank. It has
NBP Advance Salary, NBP Saiban, NBP Kisan Dost,
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The Bank's joint ventures are, United National Bank (UK), First Investment
Bank and NAFA, an Asset Management Company (a joint venture with NIB
Bank Fullerton Fund Management of Singapore).
The bank has implemented special credit schemes like small finance for
agriculture, business and industries, administrator to Qarz-e-Hasna loans to
students, self employment scheme for unemployed persons, public transport
scheme. The Bank has expanded its range of products and services to include
Shariah Compliant Islamic Banking products. For the promotion of literature,
NBP recently initiated the Annual Awards for Excellence in Literature. NBP
will confer annual awards to the best books in Urdu and in all prominent
regional languages published during the defined period. Patronage from NBP
would help creative work in the field of literature. The Bank is also the largest
sponsor of sports in Pakistan. It has provided generously to philanthropic causes
whenever the need arose.
The bank has taken various measures to facilitate overseas Pakistanis to send
their remittances in a convenient and efficient manner. In 2002 the Bank signed
an agreement with Western Union for expanding the base for documented
remittances. More recently it has started Electronic Home Remittances Project.
This project introduces technology based system to handle inward remittances
efficiently, by ensuring that the Bank's branches keep a track of the remittance
received from abroad till its final receipt. Bank has been signing different
agreements with other leading players in the remittance field for ensuring that
remittance services are available to most of the overseas Pakistanis.
A number of initiatives have been taken, in terms of institutional restructuring,
changes in the field structure, in policies and procedures, in internal control
systems with special emphasis on corporate governance, adoption of Capital
Adequacy Standards under Basel II framework, in the up-gradation of the IT
infrastructure and developing the human resources.
National Bank of Pakistan has built an extensive branch network of 1310+
branches in Pakistan and operates in major business centre abroad. The
domestic branch network has been automated and is online. The Bank has
representative offices in Beijing, Tashkent, Chicago and Toronto. It has agency
arrangements with more than 3000 correspondent banks worldwide. Its
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subsidiaries are Taurus Securities Ltd, NBP Exchange Company Ltd, NBP
Capital Ltd, NBP Modaraba Management Company Ltd, and CJSC Bank,
Almaty, Kazakhstan. It has recently opened a subsidiary in Dushanbe,
Tajikistan.
2.1. Vision
To be recognized as a leader and a brand synonymous with trust, highest
standards of service quality, international best practices and social
responsibility.
2.2. Mission
NBP will aspire to the values that make NBP truly the Nation’s Bank, by:
• Institutionalizing a merit and performance culture
• Creating a distinctive brand identity by providing the highest standards of
services
• Adopting the best international management practices
• Maximizing stakeholders value
• Discharging our responsibility as a good corporate citizen of Pakistan and in
countries where we operate.
3. History.
NBP was established under the National Bank of Pakistan Ordinance 1949 in
Pakistan. NBP occupies a unique position in the financial sector of Pakistan. It
acts as an agent of the Central Bank wherever the State Bank does not have its
own Branch. It also undertakes Government Treasury operations. The
National Bank of Pakistan is a Commercial Bank and transacts all types of
Banking Business. The National Bank of Pakistan was established on
November 29, 1949 as a semi public commercial bank.
The Bank has the distinction of acting agent of the State Bank of Pakistan and
operates treasuries where the State Bank of Pakistan does not have any office.
The Head Office of the Bank is at Karachi. Ever since its establishment in 1949
it has been leading Commercial Bank of the nation.
Government of Pakistan’s batter trade with countries and of State Bank of
Pakistan for the Government Treasury.
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In Pakistan, the bank provides complete bank facilities to the people at over
1436 Branches operating even at the far lug Northern Areas. National Bank of
Pakistan is the first bank in the country to introduce and implement
supervised Ruler Credit Programmed help small farmer to obtain loans at his
doorsteps on easy terms and conditions. It has also played a pioneering role
in introduction of profit and loss sharing System (PLS) as a major towards
Islamization of economy.
NBP is 100% owned by the Government of Pakistan (GoP).
The precise summary of National Bank of Pakistan regarding its countrywide
and overseas operations is as fallows:
• 1949 National Bank of Pakistan (NBP) was established under the
National Bank of Pakistan Ordinance 1949 and was 100% govt.-
owned. NBP acted as an agent of the Central Bank wherever the State
Bank did not have its own Branch. It also undertook Government
Treasury operations. Its first branches were in jute growing areas in
East Pakistan. Offices in Karachi and Lahore followed.
• 1950 NBP established a branch in Jeddah, Saudi Arabia.
• The Bank in 1950 had one subsidiary ‘The Bank of Bahawalpur’ on
December4, 1947 by the former Bahawalpur State
• 1955 By this time NBP had branches in London and Calcutta.
• 1957 NBP established a branch in Baghdad, Iraq.
• 1962 NBP established a branch in Dar-es-Salaam, Tanganyika.
• 1964 The Iraqi government nationalized NBP's Baghdad branch.
• 1965 The Indian government seized the Calcutta branch on the
outbreak of hostilities between India and Pakistan.
• 1967 The Tanzanian government nationalized the Dar-Es-Salaam
branch.
• 1971 NBP acquired Bank of China's two branches, one in Karachi and
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one at Chittagong. At separation of East Pakistan NBP lost its
branches there. NBP merged with Eastern Mercantile Bank and with
Eastern Bank Corporation.
• 1974 The government of Pakistan nationalized NBP. As part of the
concomitant consolidation of the banking sector, NBP acquired Bank
of Bahawalpur (est. 1947).
• 1977 NBP opened an offshore brain Cairo.
• 1994 NBP amalgamated Mehran Bank (est. 1991).
• 1997 NBP's branch in Ashgabat, Turkmenistan commenced
operations.
• 2000 NBP opened a representative office in Almaty, Kazakhstan.
• 2001 State Bank of Pakistan and Bank of England agree to allow only
2 Pakistani banks to operate in the UK. NBP and United Bank agreed
to merge their operations to form Pakistan International Bank, of
which NBP would own 45% and United Bank 55%.
• 2003 NBP received permission to open a branch in Afghanistan.
• 2005 NBP closed its offshore branch in Cairo.
4. Branch Network:
NBP has an extensive domestic branch network of over 1500 branches located
all over Pakistan. The Bank also has a presence in 24 international locations
including the USA, United Kingdom, Europe and the Far East.
The Head Office of the Bank is at Karachi. Ever since its establishment in 1949
it has been leading Commercial Bank of the nation, sole agent of the
Government of Pakistans batter trade with countries and of State Bank of
Pakistan for the Government Treasury.
In Pakistan, the bank provides complete bank facilities to the people at over
1436 Branches operating even at the far lug Northern Areas. National Bank of
Pakistan is the first bank in the country to introduce and implement
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supervised Ruler Credit Programmed help small farmer to obtain loans at his
doorsteps on easy terms and conditions. It has also played a pioneering role
in introduction of profit and loss sharing System (PLS) as a major towards
Islamization of economy.
The Branch network of National Bank of Pakistan is divided into following
categories.
• ATM network ( Total ATMs 101 Total ATMs machines 104)
• Domestic network ( 1249 Branches)
• Islamic network ( 5 Branches)
• Online network ( 156 Branches)
• Overseas network ( 29 Branches)
• Swift network ( 12 Branches)
• Customer Facilitation Centers (6 Customer Facilitation Centers)
• Agriculture branches ( 825 Branches)
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5. ORGANOGRAM OF NATIONAL BANK OF PAKISTAN.
DESIGNATIONS OF HIGHER LEVEL OFFICERS
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PRESIDENT
SENIOR EXECUTIVE VICE PRESIDENT
GRADE 22
EXECUTIVE VICE PRESIDENT
GRADE 21
VICE PRESIDENT
GRADE 20
ASSISTANT VICE PRESIDENT
GRADE 19
GRADE I OFFICER
GRADE 18
GRADE II OFFICER
GRADE 17
GRADE III OFFICER
(GRADE 16)
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6. Branch Details.
Name of Manager: Mr. Husain Shah.
Name of Operation Manager: Mr. Danish.
Branch Name M.A.Jinnah Road
Branch Code 0233
Address M.A.Jinnah Road
Phone 081-9201975
Fax 081-9201975
Tehsil Quetta
District Quetta
Province Baluchistan
SWIFT Code ---
Status Online
Islamic Banking No
Email
7. Departments of the Bank in which I worked as Internee.
7.1. Pension.
I have started internship in National Bank of Pakistan M.A Jinah Road
Branch Quetta on August 5th, 2014. On the first day I made pension scroll of
the previous day on excel sheet there was three different types
• Provincial pension
• Central Pension
• Military pension
In National Bank M.A Jinah Road Branch Quetta there is non-computerized
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manager0233@nbp.com.pk ,
opsmanager0233@nbp.com.pk
Reporting to SBP ---
Branch Category II
NBP Region Quetta
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manual system of pension first of all there is pension Performa which we
gave to the pensioner they fill it up and submit we make entries in ledger and
in pension book also after that the officer signed on the Performa cashier
made the payment an the sign of officer. In the making of fresh pension case
first of all the pensioner should submit a latter in which their department
make it sure that he/she gave their services in this department in past and he
was the permanent employee of the department and he should submit
another latter from Accountant General office in which they take the
responsibility to give that much pension to them, he/she submit two copies
of CNIC and two photographs.
7.2. Employee Old Age Benefit Institution (EOBI)
Employees’ Old-Age Benefits Institution (EOBI), Ministry of Labour and
Manpower, Government of Pakistan was established through EOB Act 1976.
It started operating since 1st of July 1976.
EOBI intends to facilitate Pensioners, Employers, Insured Persons, and
employees of the Institution through easy and authenticated mechanism of
contribution collection and benefits (pension and grant) disbursement and
other banking services through use modern technology process. General
requirement for the mechanisms include.
It is another type of pension which is given through the bank but this pension
process is computerized in NBP M.A Jinah Road Brach Quetta. On the spot
u should print the form of the specific person and take sign on the form and
officer should also sign then cashier made the payment.
7.3. Account Opening.
The Second task assigned to me was the account opening. First of all I asked
the customer to give me his/her ID card. In ID card, I checked the Expiry
Date of the ID card. If the expiry date of the card is correct and it has not
been expired then I took interview of the customer so that I can know what
type of account he want to open PLS saving or current account and what is
his/her source of income for which he/she want to open this account. After
the interview, he asked me that he want to open saving account. I said ok 10
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then I tell him that the minimum amount for opening the saving account is
Rs. 100 and maximum amount you want to deposit and I also told him that in
this account zakat will be deducted and profit will be added. He said ok I
will deposit Rs. 500. After this, I asked the customer you will have to take
some necessary things to open this account that are as follows:
After taking these documents I filled the Customer Information Folio (CIF)
and in CIF I asked the customer of whom person you want to make your
Next of Kin. He told me the name of next of kin, what’s his relation with
him/her; photocopy of his/her C.N.I.C and his mobile number. After filling
this information I took a verify of his/her C.N.I.C from Nadra from the
operations manager so I can know is this correct C.N.I.C. After all these
things I opened the account of customer. After this I took print of all the
forms and then I took the signature card and took the signature of that person
whose account I opened and I used the Brach Stamp on signature card. After
this I took the sign of the designation authority means my supervisor.
7.3.1.DOCUMENTS TO BE ATTACHED
Documents required to be attached are different for different categories.
i) SOLE PROPRIETOR’S ACCOUNT
They have to submit their business registration certificate number.
ii) PRIVATE ACCOUNTS
For individual or private accounts following documents information has to be
given:
Name
Residence address
Mail address
Foreign address
office address office ph. No.
position to title
passport or identification No/
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matrimonial status
Date and place of birth
Nationality
Residence visa No.
Name and address of other Banks in Pakistan
iii) JOINT ACCOUNT
If some one wants to open joint account the following information is needed:
Full name
Address
Specimen of signatures of the joint account holders
iv) JOINT COMPANY
In this case following information documents are required:
Certified true copy of the Memorandum and Articles of Association of
the company.
Certified true copy of the resolution of the board of directors / managing
committee / governing body regarding conduct of the account.
Certified list containing names and signatures of the directors / office
bearers.
Certified true copy of the certificate of incorporation or registration.
Certified true copy of the certificate of commencement of business ( in
case of public limited companies).
I.D. Card copy of each director
Original is also enclosed for inspection and return
List of persons authorized to operate on the account.
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v) PARTNERSHIP COMPANY ACCOUNT
Documents required in this case are as follows:
Full Names
Address
Specimen of signatures of the partners
Certified true copy of partnership deed
vi) SOCIETIES / CLUBS AND ASSOCIATION ACCOUNT
Documents required in this case are as follows:
Copy of the rules certified by the president and the secretary.
Certified copy of a resolution of the committee and the specimen
signatures of the persons authorized to sign.
7.4. ISSUANCE OF CHEQUE BOOK.
When a customer opens an account with the bank, he is provided with cheque
book for withdrawals of account. However, the first cheque book is given to the
customer only when all the required documents are checked. A cheque book
contains twenty five, fifty or hundred leaves. The cheque book also carries a
requisition slip for the issuance of the new cheque book. This slip is duly filled
and signed by the customer. The signature of the customer is verified by the
bank and new cheque book is issued to the customer and serial numbers of the
cheque are duly entered in the book of the bank. Along with the signature,
person should also write his full name address.
Usually only one cheque book is issued at a time, however big concerns who
need a number of cheque books at a time, may ask the bank to stock as number
of cheque books in their name and to point their name on these cheque books.
Bank debits the client’s account for excise duty of Rs.2.50/- per cheque and
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keeps the cheque book ready for the customer, as on his advice.
The officer keeps and maintains the cheque book register Cheque book
inventory and cheque books issued are recorded in this register. The account
number for which the cheque book is issued and the number of leaves are also
recorded in this register when the cheque book issued an entry is passed in the
cheque book issue register.
7.5 CLEARANCE DEPARTMENT
A clearinghouse is an association of commercial banks set up in given
locality for the purpose of interchange and settlement of credit claims. The
function of clearinghouse is performed by the central bank of a country by
tradition or by law. In Pakistan, the clearing system is operated by the SBP.
If SBP has no office at a place, then NBP, as a representative of SBP act as a
clearinghouse.
After the World War II, a rapid growth in banking institutions has taken
place. The use of cheques in making payments has also widely increased.
The collection as settlement of mutual obligations in the form of cheques is
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now a big task for all the commercial bank. When Cheque is drawn on one
bank and the holder (payee) deposits the same in his account at the bank of
the drawer, the mutual obligation are settled by the internal bank
administration and there arises no interbank debits from the use of cheques.
The total assets and total liabilities of the bank remain unchanged.
In practice, the person receiving a Cheque as rarely a depositor of the cheque
at the same bank as the drawer. He deposits the cheque with his bank other
than of payer for the collection of the amount. Now the bank in which the
cheque has been deposited becomes a creditor of the drawer’s bank. The
depositor bank will pay his amount of the cheque by transferring it from cash
reserves if there are no offsetting transactions. The banks on which the
cheques are drawn become in debt to the bank in which the cheques are
deposited. At the same time, the creditors’ banks receive large amounts of
cheques drawn on other banks giving claims of payment by them.
The easy, safe and most efficient way is to offset the reciprocal claims
against the other and receive only the net amount owned by them. This
facility of net interbank payment is provided by the clearinghouse.
The representatives of the local commercial banks meet at a fixed time on all
the business days of the week. The meeting is held in the office of the bank
that officially performs the duties of clearinghouse. The representatives of
the commercial banks deliver the cheques payable at other local banks and
receive the cheques drawn on their bank. The cheques are then sorted
according to the bank on which they are drawn. A summary sheet is prepared
which shows the names of the banks, the total number of cheques delivered
and received by them. Totals are also made of all the cheques presented by
or to each bank. The difference between the total represents the amount to be
paid by a particular bank and the amount to be received by it. Each bank then
receives the net amount due to it or pays the net amount owed by it.
7.5.1. In-Word Clearing Books
The bank uses this book for the purpose of recording all the cheques that are
being received by the bank in the first clearing. All details of the cheques are
recorded in this book.
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7.5.2. Out-Word Clearing Book:
The bank uses outward clearing register for the purpose of recording all the
details of the cheques that the bank has delivered to other banks.
7.6. REMITTANCE DEPARTMENT
Remittance means a sum of money sent in payment for something. This
department deals with either the transfer of money from one bank to other
bank or from one branch to another branch for their customers. NBP offers
the following forms of remittances.
• Demand Draft
• Pay Order
• Mail Transfer
7.6.1.Demand Draft
Demand draft is a popular mode of transfer. The customer fills the application
form. Application form includes the beneficiary name, account number and a
sender’s name. The customer deposits the amount of DD in the branch. After
the payment the DD is prepared and given to the customer. NBP officials note
the transaction in issuance register on the page of that branch of NBP on which
DD is drawn and will prepare the advice to send to that branch. The account of
the customer is credited when the DD advice from originating branch comes to
the responding branch and the account is debited when DD comes for clearance.
DD are of two types.
• Open DD: Where direct payment is made.
• Cross DD: Where payment is made though account.
NBP CHARGES FOR DD
1. Up to Rs. 50,000/- is Rs 50/- only
2. Over Rs. 50,000/- is 0.1%
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7.6.2.Pay Order
Pay order is made for local transfer of money. Pay order is the most convenient,
simple and secure way of transfer of money. NBP takes fixed commission of
Rs. 25 per pay order from the account holder and Rs. 100 from a non-account
holder.
7.6.3.Mail Transfer
When the money is not required immediately, the remittances can also be made
by mail transfer (MT). Here the selling office of the bank sends instructions in
writing by mail to the paying bank for the payment of a specified amount of
money. Debiting to the buyer’s account at the selling office and crediting to the
recipient’s account at the paying bank make the payment under this transfer.
NBP taxes mail charges from the applicant where no excise duty is charged.
Postage charges on mail transfer are actual minimum Rs. 40/- if sent by
registered post locally Rs.40/- if sent by registered post inland on party’s
request.
8.1. SWOT ANALYSIS.
SWOT Analysis is a strategic planning method used to evaluate the Strengths,
Weaknesses, Opportunities, and Threats involved in a project or in a business
venture. It involves specifying the objective of the business venture or project
and identifying the internal and external factors that are favorable and
unfavorable to achieving that objective.If SWOT analysis does not start with
defining a desired end state or objective, it runs the risk of being useless. A
SWOT analysis may be incorporated into the strategic planning model. An
example of a strategic planning technique that incorporates an objective-driven
SWOT analysis is SCAN analysis. Strategic Planning, including SWOT and
SCAN analysis, has been the subject of much research.
Strengths: Attributes of the organization that is helpful to achieving the
objective.
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Weaknesses: Attributes of the organization that is harmful to achieving the
objective.
Opportunities: External conditions that is helpful to achieving the objective.
Threats: External conditions which could do damage to the business's
performance.
Strengths:
• Advance salary product:
• It exists in the list of top 10 banks in the ASIA.
• It has the highest profit among the largest banks of the ASIA.
• Its paid-up capital is very high
• Very less uncertainty because of a Govt. bank
• High confidence due to higher capital investment.
• LC (letter of credit) is acceptable all over the world.
• Chest branches can supply cash on the behalf of state bank.
• Chest loans can be used for limited time
• Stake holder is Govt. of Pakistan.
• It holds the Govt. treasury.
• The biggest customer of NBP is Govt. of Pakistan.
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• Work as corresponding of ASKARI bank
• Provide High packages to employees.
• Provide high staff benefits.
• Recruitment occurs after every year.
• MTO’s selection is planned till 2010.
Weaknesses:
• The Major problem with NBP is its image as it is a Govt. bank so the vision of
the customer is not positive about it.
• People think it will not provide them satisfactory services.
• In many branches management is not up to date.
• In small area’s branches employees have less education.
• Award and promotion policies are not implemented in all branches.
• There is no concept of job rotation
• Employees have low coordination level among each other.
Opportunities:
• Advance salary for employees
• Employee benefits
• Pensions
• Award for employee performance
• Promotions
• Corporate planning learning.
Threats:
• Turn out of employee
• Job security and Strugglers
• At a time do no. of jobs due to competitor.
• NBP have to do those jobs which have no loss and no profit because of their
competition
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Internship Report NBP.

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