National Bank of Pakistan is the largest commercial bank in Pakistan with over 1,254 branches. It has a vision to be recognized as a leader with the highest standards of service quality and social responsibility. The bank has various departments including commercial and retail banking, treasury management, and audit and inspection. It offers numerous services and products to individuals, corporations, and the government. While NBP has strengths like its large size and market share, it also faces weaknesses such as low internal controls, outdated technology, and an unsatisfactory corporate culture that need further improvement.

2. M USMAN KHAN
M SOHAIL KHAN
M UMER DOGAR
M EJAZ GADI
M SALMAN FARSI
M WASEEM JUTT

4. In and , internal control is defined as
a process affected by an organization's structure, work
and authority flows, people and
, designed to help the organization
accomplish specific goals or objectives.

6. INTRODUCTION:
National Bank of Pakistan is the largest commercial bank operating
in Pakistan
The bank is engaged in providing commercial banking and related
services in Pakistan and overseas.
The Bank's services are available to individuals, corporate entities
and government.
its business portfolio is a major lead player in the
debt equity market,
corporate investment banking,
 retail and consumer banking,
 agricultural financing,
NBP headquarters in Karachi, Pakistan with over 1,254 branches
country wide.
Participating in "World Bank" and "Asian Development Bank's"
lines of credit.

7. VISION:
"To be recognized as a leader and a brand the same with trust, highest standards of
service quality, international best practices and social responsibility."
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.
GOALS: To enhance profitability and maximization of NBP share through increasing
leverage of existing customer base and diversified range of products.
Excellence in Direction
Excellence in Growth
Excellence in Performance
Excellence in Management
Excellence in Achievement
OVER VIEW OF THE ORGANIZATION:

8. CORPORATE &
INVESTMENT
BANKING GROUP
CREDIT
MANAGEMENT
GROUP
AUDIT &
INSPECTION GROUP
COMPLIANCE
GROUP
PRESIDENT’S
SECRETARIAT
BOARD OF
DIRECTOR
HRM &
ADMINSTRATION
GROUP
OPERATION
GROUP
COMMERCIAL &
RETAIL BANKING
GROUP
TREASURY
MANGEMENT
GROUP
SPECIAL ASSET
MANAGEMENT
GROUP
Overseas
Management
Group
I.T. GROUP
SECRETARY BOARD
OF DIRECTOR
CHAIRMAN &
PRESIDENT
ORGANIZATIONAL STRUCTURE:

9. ORGANIZATIONAL NETWORK:
BRANCH NETWORK:-
10 Groups headed 9 Regions reporting to as many Regional Chiefs and 15 Single
Branch Zones headed by Zonal Chiefs; 12 corporate branches and 1,254 domestic
branches headed by Branch Managers control its field operations.
GLOBAL NETWORK:-
18 Oversea Branches
5 Representative Offices
1 overseas Subsidiaries
DOMESTIC NETWORK:-
1254 Domestic Branches
6 domestic Subsidiaries
29 domestic regional offices

10. DEPARTMENTALIZATION:
COMMERCIAL
& RETAILING
DEPARTMENT
ACCOUNTS
DEPARTMENT
GOVERNMENT
DEPARTMENT
FOREIGN
EXCHANGE
DEPARTMENT
CREDIT AND ADVANCE
DEPARTMENT
GENERAL BANKING
DEPARTMENT
NBP DEPARTMENTS
1. GENERAL BANKING DEPARTMENT:
General banking involves the following sections:
•Deposit Section
•Accounts Opening Section
•Cash dealing Section
•Clearance Section
•Remittance Section
•Lockers Handling Section

11. DEPOSIT
Checking
DEPOSIT
Accounts
Non-Checking
Accounts
PLS Saving
Account
PLS TDR’s
Current Deposit
Accounts
NIDA
Special Notice
Deposit
Accounts
Foreign Currency
Accounts
There are two broad categories of deposits. These are
1. Time deposit 2. Demand deposit
TYPES OF ACCOUNT/ DEPOSIT:-
Following types of accounts are open in NBP
•Current or demand account
•Saving account
•Fixed account
•Call Deposit Accounts
•Foreign Currency Accounts
2 ACCOUNT OPENING SECTION:-
This section performs the following functions:
•Opening of Accounts
•Issuance of cheque books
•Closing of accounts
3 LOCKER SERVICE SECTION:-
There are four types of locker depending upon the size of lockers
operate in banks.
•Small size locker
•Medium size locker
•Large size locker
•Extra large size locker

12. 4 CASH DEALING SERVICES:-
•Cash receipts for receive deposits.
•Cash payment for encashment of cheques.
5 CLEARING SECTION:-
•Local Clearing,
•Short Credit Service,
•Local Short Credit and
•Inter City
CLEARING PROCESS:
•Inward Clearing.
•Outward Clearing .
6 REMITTANCE SECTION:-
•Pay Order.
•Mail Transfer .
•Demand Draft.
•Telegraphic Transfer.

13. 2. ADVANCE DEPARTMENT:
TYPES OF ADVANCES:
DEMAND FINANCE:
CASH FINANCE:
RUNNING FINANCE:
LOANS:
TYPES OF LOAN:
The credit department of NBP has providing the following types
of loans
•Short term loans
•Long term loans
•Working capital loan
•Syndicate (project) loan
3. ACCOUNTS DEPARTMENT:
The main function of account department of NBP is to maintain general ledger accounts and after
the business hours the function of the account officer is to close books.
1) ROUTING OF EXPENSE VOUCHERS:-
VOUCHER SYSTEM: Voucher is a system, which is generally designed to provide strong internal
control
over the transaction, In bank two vouchers are used DEBIT VOUCHER CREDIT VOUCHER

14. 2. PREPARATION OF DAILY ACTIVITY REPORTS:-
The main function of this department is to check daily transactions whether
cash, transfer of payments, billing, and clearing of all the departments.
It includes the details of the following:
•Loan transactions.
•general ledger transactions
•Foreign currency related transactions.
•Fixed deposits transactions.
3. PREPARATION OF WEEKLY AND MONTHLY STATEMENTS:
Second major function of accounts department is the preparation of various
statements.
These statements are:
A. WEEKLY STATEMENTS
B. MONTHLY STATEMENTS
4. PREPARATION OF TAX PURPOSE STATEMENTS:
The department also prepares two statements for the purpose of paying tax on
monthly and annual basis.

15. 4. BILLING & GOVERNMENT RECEIPT/ PAYMENT DEPARTMENT:
In this department all types of Government receipts i.e. Revenues, Taxes, Agriculture Tax,
Government Fees, EOBI Funds and Utility Bills are deposited.
1 Payment of Provident Fund
2 Payment of Benevolent Fund
3 Payment of pension
4 Collection of utility bills, property taxes, Challans
and dues of educational institution.
5 Payment of salaries
6 Payment of zakat
5. FOREIGN EXCHAGE DEPARTMENT:-
The foreign exchange department has four main parts on which the national bank works.
It consists of:
I. Imports and Exports.
II. Foreign remittance.

16. ADVANCE PAYMENT:
COLLECTION:
LETTER OF CREDIT:
2. FOREIGN REMITTANCE:
It includes local and foreign currency fund transfer. NBP also
provide the facility to its customers in remitting funds from one
place to another place.
At present bank provides the following instrument that facilitates
the transfer of funds.
•TT ( telegraphic Transfer)
• DD (Demand Draft)
• PO (Pay Order)
1. IMPORT AND EXPORT:-
National bank acts as an intermediary in the exports and imports between the two
parties..
There are four major types of contracts or term of payment that are being used in the
trade.
 OPEN ACCOUNT:

17. 6. COMMERCIAL & RETAIL BANKING DEPARTMENT:
National Bank of Pakistan serving following product lines:
1) PREMIUM AAMDANI SCHEME: - Monthly Income Scheme
2) PREMIUM SAVER SCHEME:- Yours saving reward (PLS Saving Account)
3) SAIBAN SCHEME: - Open the Door to Your Dream Home (Home Financing)
Main features of this scheme are as under.
•Finance is available for:
•Home Purchase
•Home Construction
•Home Renovation
•Purchase of Land + Construction

18. 4) ADVANCE SALARY SCHEME:- Personal Loan
Take up to 20 times of Your Take Home Salary
5) CASH CARD SCHEME: - one card does it all
ATM + Debit Card
6) INVESTOR ADVANTAGE SCHEME:- easier financing, profitable trading
Financing Facility for Stock / Retail Investors
7) CASH N GOLD SCHEME:- Ancash and meet your needs
Ready Cash against Gold

19. 8) KISAN DOST SCHEME:- Agriculture Made Easy
Agriculture Farming Program
9) KISAN TAQAT SCHEME:- promise of prosperity
Dairy Farm Scheme
10) PAKREMIT SCHEME:-
NBP's Internet Based Home Remittance Service

21. WEAKNESSES:
•Lowest Internal Control and Compliance System, SBP
rated “Marginal” which is alarming for the Bank.
•Unsatisfactory corporate culture of the Bank.
•Less number of Online Branches.
•Ineffectively use of technologies i.e. Information
technology
•Shortage of staff- per employee customer is very high
side
•Technical education and training of staff is insufficient
The workload in NBP is not evenly distributed

22. CONCLUSION:
The primary objective of NBP was to purchase jute from
the growers in the former East Pakistan and also to perform
the commercial banking functions in the country.
The strength of this bank is that it is acting as Agent of
State Bank of Pakistan, providing Agency Arrangements for
different government organizations include WAPDA and PIA,
Profitability and a vide coverage throughout Pakistan.
The challenge it is facing is currently the lack of
implementation of rules and regulations that may lead to
weak organizational culture, old organizational culture, no
regular promotions practices.
As analysis shows that NBP is a most growing organization
with highest return on capital, largest market share amongst
all Pakistani banks and cost to income ratio is the highest in
banking sector. But there is further need for improvement to
overcome weaknesses and to maintain its position as an
“Asian Tiger” in banking field.

23. THANKYOU