My internship report (nbp)

BAHRIA UNIVERSITY
NATIONAL BANK OF PAKISTAN
M.AH.S BRANCH
LIST OF STAFF MEMBERS.
BRANCH MANAGER
Mr. Javed Akhtar
OPERATIONAL MANAGER
Miss. Sadia Sahar
BBO (CASH BOOK+ TFR SCROLL) RETURNS, ECIB, NBP GENERAL, CBR
and REMITTANCE DEPARTMENT.
Mr. Muhammad Saleem.
ADMIN AND OPERATIONS, CLG: DEPARTMENT: BBO
POSTING/CANCELATION, CREDIT DEPTT:, and LOCKERS DEPARTMENT.
Mr. Aamir Amin
INCHARGE DEPOSIT DEPARTMENT, JOINT CUSTODIAN
Mr. Jamil Hassan.
CASH DEPARTMENT RECORDING KEEPING.
Mr. Imran Waheed
HEAD CASHIER, INCHARGE CASH DEPARTMENT
Mr. Rais Ahmed.
CASH RECEIPT AND PAYMENT (CASHIER)
Mr. Naeem Khan
UTILITY BILLS AND GOVT COLLECTION (CAHS DEPARTMENT)
Mr. Zahid Ahmed
DAK IN WARD/ OUTWARD, ASSISTANCE TO REMITTANCE DEPARTMENT
Mr. Asif Naseer
BANK GUARD
Sakhi Badshah.

BAHRIA UNIVERSITY
LETTER OF ACKNOWLEDGEMENT
First of all I am thankful to Al-Mighty ALLAH, who made me capable to complete this
report.
I would like to thank Bahria University for providing me an ample opportunity to practice
and apply what I have studied in course subjects. This report has proved to be an
extremely instructive and creative experience.
For this I would like to thanks the NBP Muhammad Ali housing branch which provide
me the opportunity to utilize my knowledge practically which also provided me the
knowledge of working in banking field practically. So I am very thankful to all members
who taught me nicely. The material compiled and presented in this report is a result of
exhaustive work.
Also for tireless efforts and guidance of my instructor Mam Sadia Sahar working as the
operational Manager in NBP M.A.H.S for providing me the opportunity, as well as her
guidance in the light of her vast experience and helping me out in the preparation of this
report without which this work was not possible.
So I would like to offer my heartiest thanks to her kindest support and guidance that she
provided.

Table of Contents
NO DESCRIPTION PAGA NO
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Introduction..................................................................................
Branch Network...........................................................................
Vision Statement..........................................................................
Mission statement.......................................................................
NBP Deliver Values to Customers..............................................
Work Learn During Internship....................................................
Accounts operate in the bank.......................................................
Nature of accounts.......................................................................
Requirement for opening of account.........................................
How to open a Account..............................................................
Bank Day Book Checking..........................................................
Pension and Benevolent funds details.........................................
Bank Audit..................................................................................
Internal Audit..............................................................................
External Audit..............................................................................
General Ledger Account..............................................................
EOBI............................................................................................
NBP Services...............................................................................
Government of Pakistan Support.................................................
Conclusion...................................................................................
Recommendations........................................................................
Branch Personal Details............................................................
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BAHRIA UNIVERSITY
1
INTRODUCTION
National Bank of Pakistan 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.
Branch Network
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.

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**VVIISSIIOONN YYOOUU CCAANN TTRRUUSSTT**
Our vision and your trust have made us one of the most
profitable banks in the world. A universal banking
franchise offering a complete range of financial solutions.
We are the largest and strongest financial institution in
Pakistan with a presence in 18 countries across the globle.
To be the pre-eminent financial institution in Pakistan and
achieve market recognition both in the quality and delivery
of service as well as the range of product offering

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****MMIISSSSIIOONN****
To be recognized in the market place by Institutionalizing a
merit & performance culture, Creating a powerful &
distinctive brand identity, Achieving top-tier financial
performance, and Adopting & living out our core values

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NBP Deliver following values to customers
We aim to be an organization that is founded on…
 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.
We shall work to…
 Meet expectations through Market-based solutions and products.
 Reward entrepreneurial efforts.
Create value for all stakeholders
We aim to be people who…
 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 measures of
true success.
We have confidence that tomorrow we will be…
 Leaders in our industry.
 An organization maintaining the trust of stakeholders.
An innovative, creative and dynamic institution responding to the changing needs of the
internal and external environment

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Work Learn During Internship
ACCOUNTS OPERATE IN THE BANK
TYPES OF ACCOUNT
 CURRENT ACCOUNT
 PLS SNTDR
 PLS TERM
 FC CURRENT.
 BBA
 PLS SAVING
 PREMIUM SAVER
 FC SAVING
 CALL DEPOSIT.
 NIDA
 PREMIUM AMDANI
 FC TERM.
NATURE OF ACCOUNT
 Individual( single/ joint)
 Limited company (public/ private)
 Govt. Institution (Federal/provincial)
 Sole proprietorship
 Partnership (Registered/unregistered)
 Corporate Body ( incorporated/unincorporated)
 Association /club/ society.

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CURRENCY ACCOUNT
NBP facilitate their customers by given them the benefit that they can open any type of
account in
 PK Rupees
 US $
 UK £
 EURO
 JY.
REQUIREMENT FOR OPENING OF ACCOUNT
1. INDIVIDUALS: -
 Copy of CNIC / NICOP / POC.
 Copy of driving license in case CNIC is without photograph.
 Applicant Photograph and CNIC copy attested by Gazetted officer in case
of CNIC without photograph.
 Copy of ARC issues by NADRA in lieu of CNIC for opening of Pak rupee
account only.
 Copy of service card/ evidence of employment in case of salaried person.
 Photograph in case of illiterate person
 Copy of CNIC of next of Kin.
 Zakat Exemption Declaration/ certificate.
 Evidence for Exemption of account from levy of service Charges
 Proof of age in case of opening account with a minor.
 Declaration on prescribes format for opening of account of blind and
visually impaired person.

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2. TRUST ACCOUNT
 Attested copy of certificate of Registration, CNIC of all the trustees.
 Certified copy of instrument of trust.
3. PARTNERSHIP
 CNIC of all partners.
 Partnership Deed (certified copy).
 Attested copy of Registration certificate with registrar of firms.
 Original authority letter favoring persons authorized to operate the
account.
 In case the partnership is unregistered, this fact should be clearly
mentioned on the account opening form.
 Undertaking from partners involved for responsibility of conduct of
account individually and jointly.
4. AGENT ACCOUNT
 Certified copy of power of attorney.
 Attested photocopy of identity card of the agent.
5. PRIVATE/ PUBLIC LIMITED COMPANIES
 Certified copies of certificate of incorporation, certificate of
commencement of business, memorandum and articles of association,
 List of directors, board of directors’ resolution CNIC’s of directors.
 Power of Attorney/ Mandate (if required).

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6. CLUB, SOCIETIES AND ASSOCIATES
 Certified copies of certificate of registration, by laws/ rules and
regulations, constitution.
 Regulation of governing body for account opening.
 An undertaking signed by all authorized persons when any change takes
place in the persons authorized to operate on the account, the banker will be
informed immediately.
7. EXECUTERS AND ADMINISTRATORS
 Attested photocopy of identity cards of executor / Administrators.
 Certified copy of letter of administration or probate.
How To Open A Account
So account opening form required two people’s I.D card attested copy for verification
with the I.D Card of the person who is opening account and 2 photos if required.
Introducer signature verified by bank branch if introducer account is maintained with
other branch of bank than a letter is to be sent to that branch for verification of
introducer’s signature. NADRA verification of CNIC is compulsory before opening of
any type of account. After getting all the verification then the bank opened an account.
Mother’s Name and her CNIC no is also made compulsory as per SBP directives.
We get the information how to fill the application for account opening and issuance of
term deposit receipt.
In opening of account, 3 parties are involved
1 The 1st
person is account holder or opener

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2 The 2nd
one is his nominee
3 The 3rd
one is introducer
After that we make entries in bank book or register regarding all the information of
account holder and introducer.
In the last, letter of thanks were sent to account holder and to the introducer from the
bank.
DAY BOOK
In the day book we check daily transaction of cheque, vouchers and cash receipts.
We check all DR and CR transactions of Customer accounts as well as all GL Heads .In
Pls & Current accounts if the withdrawal of cash is above Rs.25000 then 2% government
with holding tax should be deducted. This tax deduction is applicable only on cash
transactions. If the account holder wants to save the withholding tax then he can make
transactions in Transfer. A build-in system in computer deducts this tax from accounts of
customers.
PENSION & BENEVOLENT FUND
We practice on checking benevolent fund in which payment order no, issuing and
approval dates both are mention. In this some percentage of amounts is given by Govt: to
it retired employee. An increase is also announced by Govt: time to time. The current
increase announced by Govt: is 15 & 20 percent depending on date of retirement.
HOW TO MAKE VOUCHER OF BENEVOLENT FUND TO RECEIVE THE
PAYMENTS AND ITS PROCEDURE.
DEMAND DRAFT PURCHASE ACCOUNT
Bank on his side write the account of benevolent fund as a debit balance and give the
amount to persons holding benevolent fund in its voucher and send the amount through
DDP to Islamabad main branch after clearance of the amount from main branch
Islamabad then the bank write it as a credit balance and close this DDP account.

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Benevolent fund make on the three vouchers which have master and duplicate copy, also
three branch stamps has to be affixed on this voucher before sending it to Islamabad
branch which are
DDP stamp
BRANH stamp
Discharge Stamp for realization of amount
It consists of 3 vouchers
Master copy and 2 are duplicate copy in one of duplicate copy there is a duplicate
stamped. After that we sent collection to main branch Islamabad for the realization
AUDIT
In NBP the audit are of two type
1) Internal audit
The internal audit is done by the internal employees in the organization. The internal
audit is done as annually, quarterly as every 4 month and surprise inspection by the main
branch. The responsibility of the internal auditor is to check the previous month audit
report for the verification.
The nature of internal audit is concern with the examination of records after their
completion the errors and the fraud may be detected from the record. So the internal audit
conducted by the special staff. And the procedure of work is that the accounting staff is
checked all the recorded transactions.

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11
So due to internal audit the auditor investigate the internal organization activities and the
finally he submitted the report to the organization manager.
2) External audit
In the external audit are usually a chartered accountant and the auditor were assigning by
the branch office he is not an employee of the organization. He is an independent person.
So it is not a part of internal control and in this the auditor cannot suggest improvement
in the internal check system.
The external audit can perform his work according to term of appointment and the scope
is very wide. The auditor can check the true and fairs view of earning capacity and
financial position.
In the external audit have two steps
1) Hire by the organization.
2) Monetary
The bank hire the auditor if it worth is 1 million external audit is mostly done by the state
bank as annually or surprise inspection. External audit depends upon the size of the
branch. In NBP external audit was done by the FARGOSON groups.

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General Ledger ACCOUNT
General ledger account is very important account for any bank this account maintain
every day from one branch to another branch and the time period for GL account is
within 30 days after that the penalty will be given which is a huge amount
In the GL account the bank check the amount code (branch), confirm in the other branch
if the amount is big.
In the GL NBP account it include income tax voucher, property tax etc.
For the responding branch debit voucher for salary transfer from steel mill.
The NBP make F-15 RBV DR of steel mill at the time of payment and CR NBP general.
And account no and code of GL is 100, in every branch of NBP.
NBP debit its DDP account and gave money to person and send its document to
Islamabad where they collect its payment from different department and then they credit
its account when they receive/collect the amount so Islamabad debit its all account.
EOBI(EMPLOYEMENT OLD AGE BENEFIT INSTITUTION)
In this account the amount come from the main branch and NBP pay pension to the
person every month and the remaining amount send back to main branch.
EOBI is basically an institution who deals the pension system of Governmental
organization and gave the amount to the pensioner; this amount is basically deducted
from employee’s monthly salary and after retirement pensioner take this amount

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The NBP take the document of the person which include document with the sealed, his
name, monthly salary amount, name of the organization, job description etc. then NBP
verify all the documents.
After check then NBP make the pensioner file and assign the PPO number and put the
entire necessary document in this file
HOW TO MAKE THE PENTION BILL
NBP take two forms from pensioner that is STR 35 and 72, TR 36. Register of pension
payment is always made by treasury department. It is also called PPO (pension payment
order) and true copy form.
CATAGORY
1) Civil pensioner.
2) Federal government.
3) Army/navy/ air force.
So the pension distribution system is segmented into above mention departments. All the
department deals with its own pension system but as it all belongs to government so bank
are involved
AGPR deals with cabinet hospitals and federal department pension they issue letter to
treasury department then they send to bank in treasury dept. form stamps are necessary
People get the pension on his basic salary the ratio depend upon 65/35. After taken the
pension payment for 15 years then pension was increased by government.
If the pensioners are wife and she died then her pension transfer to her mother not the
child.

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SERVICES
DEMAND DRAFTS (DD)
If we are looking for a safe, speedy and reliable way to transfer money, we 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
MAIL TRANSFERS (MT)
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.
PAY ORDER (PO)
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.

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TELEPHONE TELEGRAPHIC (TT)
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.
Take upto 20 advance salaries
(currently for NBP account holders of govt. or related organization employees).
National Bank of Pakistan (NBP)
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.

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KAROBAR DETAILS
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.
* Subject to availability of subsidy/confirmation from GOP.
Note: The mark-up rate will be revised on annual basis
FINANCING TERMS & CONDITIONS
 Minimum Down Payment
10% of asset price (5 % for PCO and Tele center).
 Mark-up Rate Variable
1 year KIBOR + 2% (For the first year mark-up will be 12%) The customer will
pay markup @ 6%p.a as long as GOP provides the balance markup to NBP on a
monthly basis)
 Tenure
1 to 5 Years (for PCO 2 years)
 Grace Period
Initial 3 months
 Maximum Loan Amount
Rs. 200,000/-

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1. NBP KAROBAR UTILITY STORE
(UNDER A FRANCHISE WITH UTILITY STORE CORPORATION)
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)
Eligibility Criteria
• Must be Pakistani national bearing a Computerized NIC
• Age between 18 to 45 years
• Must be residing in the same city / district for the last 2 years
• Must have a franchise from Utility Stores Corporation of Pakistan
• Must have a valid rickshaw driving license (for mobile utility store)
• Availability of 2 references & 1 guarantor (USC shop setup
• No default or rescheduling history of the applicant
• References and guarantor must be residing in the same city / district where the applicant
is residing
Security
In case of Utility Store shop set ups:-
• Hypothecation charge over the present and future assets in store (except stock).
• One guarantor, having minimum net income of Rs. 10,000/-p.m. (subject to NBP
verification) or must be property owners
• Personal guarantee of the applicant
• 4 cross checques

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In case of Mobile Utility Stores:
• A lien would be marked under hire purchase/hypo agreement on the vehicle
2. NBP KAROBAR MOBILE GENERAL STORE
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
• Must be a Pakistani national bearing Computerized NIC
• Must be residing in the same city/ district for the last 2 years
• Availability of 2 references
• References must be residing in the same city / district where the applicant is residing
Security

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3. NBP KAROBAR TRANSPORT
Financing will be provided to purchase a 4 stroke Petrol/CNG/LPG Vehicle (Rickshaw)
• Must be a Pakistani national bearing Computerized NIC
• Must be residing in the same city / district for the last 2 years
• Availability of 2 references having landline telephone numbers
Security
4. WOMEN AND POVERTY
• Women of today is not the women of yesterday she is more knowledgeable more
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.
5. NBP KAROBAR PCO
Finance will be provided to purchase Wireless/ Mobile/Desktop telephone set(s) with
prepaid connection and credit balance(s) to establish a PCO setup

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• Availability of 2 references & 1 guarantor
numbers
Security
• Hypothecation charge over the present and future assets of the business
• One guarantor, having minimum net income of Rs. 10,000/- p.m. each (Subject to NBP
verification) or must be a property owner for single telephone set minimum income
requirement for guarantor is Rs. 5,000/- per month and for multiple sets Rs. 10, 000/- per
month.
6. NBP KAROBAR TELE-CNETRE
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
• Availability of 2 references & 1 guarantor
numbers

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• References and guarantor must be residing in the same city / district where the applicant
is residing
Security
• Hypothecation charge over present and future assets of the business
• One guarantor, having minimum net income of Rs. 10,000/- p.m. (Subject to NBP
verification) or must be a property owner.
• 4 cross checques.
REPAYMENT
• No payment during grace period
• Monthly installment comprises of principal, mark-up and insurance payments.
• The customer, at any point of time, may exercise the right to fully adjust the account
before maturity or to partially pay the loan through balloon payment without any penalty.
DOCUMENTS TO BE SUBMITTED WITH THE LOAN APPLICATION
• Application form (available for Rs.5/- from all NBP branches)
• List of items available in the scheme
• Three attested Computerized NIC copies of the applicant and guarantors each
• Two photographs of applicant and guarantors each (if applicable)
• Franchise acceptance letter from Utility Stores Corporation (where applicable)
• Estimated cost of advance rent, security deposit and assets, to be purchased along with
quotation (where applicable)
• Attested salary slip of guarantor (where applicable)
• NTN or latest Tax Return if available of guarantor (if a business person)
• Proof of property ownership of the guarantors (where applicable)

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PROCESSING, VERIFICATION & REGISTRATION CHARGES (IF
APPLICABLE)
 Verification Charges
Rs. 500 (non refundable)
Rs. 300 for NBP Karobar PCO (non refundable)
 Processing Charges
1% of the loan amount
(for loan amount upto Rs.30, 000/-) (non refundable)
Rs. 1,000/- (for loan amount
above Rs.30, 000/- - non refundable)
Note: All charges submitted with application are non refundable at any stage.
 Document Charges
At actual
 Vehicle Registration
At actual (To be borne by the borrower)
 Insurances
Property/ Assets insurance to be borne by the borrower
Life & Disability insurance to be borne by GOP.

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GOVERNMENT OF PAKISTAN (GOP) SUPPORT
1. Life & Disability insurance paid by GOP requires no medical examination.
2. 6% mark-up to be paid by the customer and rest by GOP
*Subject to availability of subsidy / confirmation from GOP
Note: The mark-up rate will be revised on annually
Note: Applicants for all products must provide their laneline/ WLL telephone numbers or
provide the laneline/WLL telephone numbers of their relatives, friends, neighbors etc,.
However, telephone numbers must be of the same city/ district where the applicant is
residing.
Conclusion
In the end of the report I would like to say that I learn a lot in NBP internship, and I got
complete knowledge of working environment of bank and I also enjoy my internship
because all member heartily cooperate with me. I know how branch is operating.
Because I learn all branch operations during my training period. This internship also
helps me when I got job in any bank because I know very well how to work in bank.

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Recommendations
 NBP should computerize all its work because I noticed that during my training
employee’s still record lockers, email, and payoders, demand drafts etc record
manually.
 NBP is first bank of Pakistan so its employees are less educated it must hire
highly qualified employees.
 I suggest to NBP that an operation manager room must be separated from all staff
because in this branch where I got my training only one separate room for
G.Manager.
 An other draw back which I found that NBP close it door staturday at 1 pm
because it’s a halfday and if any needy customer come then watchman doesn’t
open door and employees never listen that customer because he or she comes late
only just one mint its not a good way to deal human being.so it must care their
customer and treat them humainly.
 Finaly one main thing I were found that computers that are used by employees are
outdated it must be facilitate its employees with the latest technology.

My internship report (nbp)

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