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Summary:
This report presents the results of a summative evolution of the internship
program. I conduct my internship at Nation Bank of Pakistan. One of the best which I
consider the peculiarity of the host organization is to provide a friendly atmosphere. .
This report contains the theoretical & practical experience of mine as I spent two
months of practical training at NBP. It contains the definition of Bank. Banker &
customer, also history of banking in Pakistan and vision & mission of NBP.
Second there is Swot Analysis which is a tool for auditing the organization and its
environment. Different schemes services & products of NBP are listed in it.
At the end report includes my personal experience of practical training in the
organization, new knowledge that I required there & important of this internship on my
career.
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Bank:
Bank is an institution transacting the business of accepting, for the purpose of
lending or investment of deposit money from the public, repayable on demand or
otherwise, and with draw able by cheque, Draft, order or otherwise and includes a post
office saving bank also.
Banker:
Banker includes a body of person whether incorporated or not, who carry on the
business of banking.
Customer:
Customer is a person whose money has been accepted by he bank on the
footing that they undertake to honor Cheques up to the amount standing to his credit,
irrespective of whether his connection is of short or long standing.
Introduction:
Like any other sphere of modern socio industrial activities, banking too s a patent
and purposeful monitory based media that nurses and nourishes the socio-economics
growth of a developing country.
Banking plays role in present day commerce, trade and industry. Banking is an
integral organ of overall development where we talk about banking mobilizes idle saving
of people and plus there in economic development.
Banking in Pakistan:
History:
At the twice of independence, the areas which now constitute Pakistan were
producing only food grains and agriculture raw material for indo-Pakistan sub-continent.
There were practically no industries and whatever material was produced was being
exported from Pakistan. However commercial banking facilities were provided fairly well
there.
There were 631 scheduled Banks in Pakistan of which 487 were located in West
Pakistan alone. In 1947, at the time of independence, there were 38 scheduled banks
with 195 offices in Pakistan. But by December 31, 1973 there were following four
scheduled banks with 3042 branches all over the country.
 National Bank of Pakistan
 Habib Bank Limited
 Habib Bank Limited (Overseas)
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 United Bank Limited
 Muslim Commercial Bank
 Australia Bank
 Bank of Bahawalpur
 Premier Bank
 Pak Bank
 Standard Bank
 Sarhad Bank
 Lahore Commercial Bank
 Punjab Provincial cooperative bank.
As a new country with out resources, it was very difficult for Pakistan to run its own
Banking system immediately. Therefore in accordance with the provision of India
independence act of 1947, an expert committee was appointed to study the issue, the
committee recorded that the reserve Bank of India would contains to function in
Pakistan till 30th September 1948, so that the problems of time and liability, coinage,
currencies, exchange to settled between Pakistan and India.
It was also decided that India currency would continue to be legal tender in Pakistan till
30th September 1948. Following the announcement of independence plane in June
1947, the non marline residing in the territories now comprising Pakistan standard
transfixing their assets to India. Moreover, the banks including those having their
registered offices in Pakistan, Transferred them to India in order to being a collapse of
the new state. By 30th June 1948, the number of scheduled banks declined from 487 to
only 81.
National Bank of Pakistan:
At National Bank of Pakistan change happens everyday; its business continually
evolves to keep up with the demands of changing market place, economy and society.
Everyday its employees are challenged to meet that change and to ensure that NBP
remains the leader in financial services.
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 for staring Pakistan's economic growth through
aggressive and balanced lending policies, technologically oriented products and service
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offered through its large network of branches, locally internationally and representative
offices.
Vision:
To be the organization of choice, dedicated to our customers and employees, providing
exceptional service quality and delivering consistently superior financial performance.
Mission Statement:
The Mission of NBP is to be the most competent profitable and innovative financial and
services organization. Our behaviour and services always be compatible with the
highest standard of integrity and our obligation to our customer, our staff and the
general public.
Nation Bank if Pakistan wishes to effectively utilize the financial assistance being
extended by the government of Pakistan for banking sector reforms aimed at reducing
operating costs and improving profitability.

National Bank of Pakistan

Domestic Overseas
Branches Branches

29 Regional Offices 1, 16 Overseas Branches

189 Branches 143 Online 4 Representative Offices
Branches 4 Subsidiaries 1 Subsidiary
1 Loint Venture
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Swot Analysis
Strengths:
• Best Premier Bank of Pakistan
• Infrastructure all over the world.
• Aggressive and balanced lending policies.
• Technologically oriented services and products.
• online banking
• Proven Management
• Committed and Dedicated Staff.
• Market Leader
• Adequate Financial Services
• Overseas Branches for Overseas Pakistan

Weaknesses:
• Lack of Personal Relationship
• No service available after 5PM
• Small denomination
• Market Penetration

Opportunities:
• Care about relationships
• Respond to changes needs of environment
• Making the trust of stockholders.
• New product may be included
• Faster market growth

Threats:
• Online Service by other banks
• Changing Government Policies
• More squeeze infrastructure
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• offering good rates in saving
• Accounts by competitors.
Marketing Strategy:
Marketing has been involved in the business world in some way or other. The staff of
NBP is living in marketing era and need to survive in business world, expending
business, meeting new demands and identifying problems before they become
problems. The only solution of these needs is to market their product efficiently.
Marketing is identifying a group or groups to focus on, to modify or influence their
behaviour, advertising their products/services and finding out what they want and to
educate them. NBP as a bank is giving various service to its customers.
Customer Services:
• Demand Drafts
• Swift System
• Letters of Credit
• Traveler's Cheques
• Pay Orders
• Mail Transfers
• Foreign Remittances
• Short term investment
• National income daily Account (NIDA)
• Equity Investments
• Commercial Finance
• Trade Finance, other business loans
Operations:
• Internal transfer Demand Draft & Manager Cheque
• Depreciation of funds & equipments
• service Charges
• Cheque Book
• Account Maintenance
• Zakat Deduction
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Cash Management
These deals in
• Deposit & withdraws of cash
• Remittances
• Clearance
• Collection
Competitive Strategy:
There is large numbers of banks in Pakistan & hence there is a great competition
between banks. NBP as the major business partner for the Government of Pakistan
giving its customer the best services and launching different products for the benefits of
its customers. Also NBP is the premier banks in its international banking
International banking
NBP is at the forefront of International Banking in Pakistan which is proven by the fact
that NBP has its branches in all of the major financial capitals of the world. Additionally
NBP recently set up the financial institution wing, which is placed under the Risk
Management group. The role of the financial institution wing is.
• To effectively manage NBP's exposure to foreign and domestic correspondence.
• Manage the monitory aspects of NBP's relationship with the correspondence to the
supports, trade treasury and other key business areas, thereby contribution to the banks
profitability.
• Generation of incremental trade finance business and revenues.
NBP Offers:
• The Lowest rates on export and other International banking products.
• Access to different local commercial banks in International Banking.
Scheme and Product of National Bank of Pakistan
Schemes:
• NBP Premier Saver Scheme
• NBP Karobar under President Rozgar Scheme.
• NBP Premium Aamdani Scheme
• President's Relief fund for earthquake Victims 2005
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• NBP students loan scheme
Product:
• NBP Saibaan
• NBP Advanced Salary
• NBP Cash Card
• NBP Investor Advantage
• NBP cash and Gold
• NBP Kisan Dost
• NBP Online (Aasan Banking)

NBP's AIMS
We aim to be an organization that id founded on
• Growth through creation of sub-stainable relationships with out customers.
• Prudence to guide our business conduct
• A national presence with a history of contribution to our communities.

We shall work to
• Meet expectation through market based solution and products
• Reward entrepreneurial efforts
• Create Value for all Stockholders.
We aim to be people who
• Care about relationships
• Lead Through the strength of our commitment and willingness to excel
• Practice integrity, honest and hard work. We believe that there are measures of
true success.
We Have confidence that tomorrow we will be
• Leaders in our industry
• An organization making the trust of stockholder
• An innovative, creative, dynamic institution responding to the changing needs of
the internal and external environment
Learning as a student Internee:
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Practical experience is most important in the educational process and the
internship program holds the same importance for the students.
Internship program provides the best practical training to the students and helps
in choosing their profession.
New Knowledge acquired:
I officially worked for two months in National Bank of Pakistan, Clowk Tower
Branch. During this period I had an exposure towards general banking. I learnt about
banking policies, banking customer relationship, the role of banks in national and
international market. It was an excellent experience of practical training about banking. I
learnt there how the banks can upgrade their banking, increase the number of customer
and enhance their business in market. During this internship program I really learnt a
lot.
How Experience impact your career:
Internship program provides the opportunity to the students to decide about their
future.
They do not blindly adopt a profession rather their practical experience during
internship program has made them expert in their respective fields.
In all the institutes there must be an arrangement to provide chances to the
students to join the different organizations, colleges, institutes and have a close link with
them so they may not face any problem in their future. The will learnt to cooperate in
different fields of life to achieve their aims.
My personal experience in National Bank has made my mind to choose banking
as a career. As I have spent two months in the bank, and hence completed all the job
requirements. I will not face any difficulty in working anywhere.