Internship Report on National Bank of Pakistan

Faisal Aftab MB-08-30 2nd Semester

Institute of Management Sciences Bahauddin Zakariya University Multan

National Bank of Pakistan

The objective of establishing the bank was to provide much needed financing to the agricultural sector, particularly to facilitate the badly hit jute trade. The bank then went on to become the sole agent of the State Bank of Pakistan for handling provincial and federal government receipts and payments. National bank of Pakistan was established on November 8, 1949 through passing of a special ordinance in the National Assembly. The need for the establishment came due to the reason when at that time newly born country was facing economic crises. The head office of the National bank is in Karachi and it has a large network of branches through out the country and outside the country as well. National bank of Pakistan with its head office in Karachi operates through 9 Regional Headquarters. A board of directors appointed by the federal Government manages the bank. The regional headquarters and headed by regional chief executives (RCEs). The next controlling unit is zonal chief office, which comprises group of branches working under his jurisdiction.

Departments where I had worked

During my internship at National bank of Pakistan main branch Multan. I have worked the following Departments: Account opening Department Deposit Department Remittance Department Clearing Department Retail & Consumer finance Corporate Department Foreign exchange Department Government Department

Accounts Opening Department

Borrowing funds from different sources has become an essential feature of todays business enterprises. But in the case of a bank borrowing funds from outside parties is all more vital because the entire banking system is based on it. The borrowed capital of a bank is much greater their own capital. Banks borrowing is mostly in the form of deposits. These deposits are lent out to different parties. Such deposit creation is done through opening an account in the bank. The Department not only opens accounts for customers but also performs some other activities which are as under: Issuance of Cheque book Depositing Cheques Utility bills paid by Cheque

Procedure of opening an account

Account opening procedure is completed by filling various forms, which are as under: Application form for opening of account. This form includes the information like type of account, nature of account, account title, next of kin, initial deposit, single or joint account, zakat & service charges deduction, details of accounts in other NBP branches and in other banks. Account Opening-KYC (Know Your Customer). Policy Manual on Anti Money Laundering (Scrutiny of account opening form under KYC/customer due diligence requirements). Signature card (for signature or thumb impression) Two photographs if the customer is illiterate

Documents required for different types of customers

For Individuals:
Copy of I.D. Card of customer. For salary purpose, the customer has to provide the copy of his service card/service letter/appointment letter, etc. NADRA verification of the customer's I.D. Card.

For Partnerships:
Copies of I.D. Cards of all the 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 the partners involved for responsibility of conduct of account individually and jointly

For Private/Public Limited Companies:

Memorandum & Article of Association Certificate of Commencement of business List of directors Board of directors resolution

Copies of I.D. Cards of directors, power of attorney Certified copies of Certificate of Incorporation

Types of Accounts:
NBP offers the following types of accounts: Current account PLS Savings/PLS Term/BBA account Premium Saver/Premium Amdani Call deposit National Income Daily Account

Current Account
Current account is opened when the customer wants to do frequent number of transactions. Usually these types of accounts are opened for business. No profit is paid on these types of accounts. All the cheques presented by the customer are paid to the extent of the balance in the account; there is no restriction on the number of withdrawals. Current accounts are also called checking accounts. The minimum balance require to open the account for general customer is Rs. 5000/- and for staff Rs.100/-

PLS Saving account

When a person wants to have a profit on his deposits and he also does not make frequent withdrawal from his account, then PLS saving account opened for it. Usually the salary class opened this type of account. The profit on this account is paid according to the rate announced by the bank after every six months. Usually in a month, a person can make four withdrawals. This type of account is opened with a minimum deposit of Rs.200/- If the balance of account falls below the minimum requirement then a flat charge of Rs.150/- is made in the account once in a half year.

Issuance of Cheque Book

Customer gives the slip for issuance of new cheque book after verification of his signatures to the banker. The banker then fills the cheque book requisition form and this form along with the slip is sent to Karachi. After filling the cheque book issuance form and slip, the account no is stamped on the blank cheque book and issued to the customer. The charges for cheque book are Rs. 3 per leaf for general customers and for staff it is free of cost.

Utility Bills paid by Cheques

Utility bills by Cheques are received at least two days before the last date for paying bill.

Depositing Cheque
For depositing cheque, pink voucher is used, on which the customer writes date, account number, title of account (his name), amount of cheque & signature. At the end of the day all the cheques are sent to the clearing department for the realization of the account.

Closing of an Account
There are no. of reasons of closing an account. Some are listed below: If customer desires to close his account In case of death of one account holder. Bankruptcy of the account holder.

If an account contain nil balance or not up to the requirement of rules.

Before closing any account, bank send letter to the account hold for informing him that his account is going to be closed. There is need an approval form higher authority to close any account.

Deposit Department
Following activities are done in the deposit department: Payment of cheque Cash Deposit Issuance of bank statement Issuance of cash card (ATM card)

Payment of Cheque
Before making payment of a cheque a complete procedure is adopted this is shown in a diagram as under:

Cash Payment

Issuance of Token

Posting of Cheque in Computer

Signature Verification

Issuance of Token When cheque is presented at counter for payment the officer examines the cheque before issuing a token for following reasons: The cheque is drawn on the same branch of the bank. The cheque is not crossed that it is open cheque. It is not a post dated cheque. The drawer has signed the cheque. The amount written in words and figure is same. The drawer of the cheque duly signs all alteration or cancellation.

The presenter has signed at the back of the cheque. The cheque is not payable to a limited company.

When the cheque is found in order the officer affixes Token Stamp and Pay cash Stamp on the cheque, writes the token no. on the cheque. After this the token is handed over to the presenter and the cheque is given to the other officer for signature verification. Signature Verification After issuing the token an officer examines the signature of the drawer with the specimen signature card. When it is found similar to specimen signature, he affixes the Signature Verified Stamp near the signature of the drawer and signs it, He also record the cheque on the scroll book and write the scroll book # on the cheque. Posting in computer and cash payment After the signature verification the officer check the balance in the account of the customer, if the account has sufficient balance and have no stop payments then the cheque is posted and handed over to the cashier for the payment of cash. Cashier gets the token back from the customer pays cash and affixes Cash Paid stamp on the cheque.

Depositing Cash
For depositing cash, green voucher is used, on which the customer writes date, account number, title of account (his name), amount of deposit & signature. Then he gives the voucher and amount to the cashier which receives the payment and gives a part of the voucher to the customer. At the end of the day all the amounts of deposits are punched into the computer in corresponding accounts.

Issuance of Statement of Account

After every six months bank provides the statement of account to its account holders without any cost.

But if an account holder wants the statement even after the six months, then the bank charges Rs. 55/- (annually) for the statement. He also has to write an application to the manager for the issuance of statement.

Remittances Department
The need for remittance is indispensable in case of the modern exchange of goods and services. Banks in this regard provide the facility of transfer of money from one place to another. This transfer of money is a source of profit for the bank. National Bank of Pakistan deals with the following types of remittances:

Demand Draft (DD)

It is an instrument of credit on which the issuing bank orders another bank to make payment to the beneficiary of the instrument and reimburse the payment thereon from the issuing bank. It is also called as bank cheque. The holder of DD has to deposit it in his account with the bank he is dealing and that bank collects the payment on behalf that customer.

Procedure for Issuing a DD

The applicant is asked to fill in a voucher that requires filling in the name of payee and his account number, name of the responding bank, date, and amount to be sent. The applicant is asked to deposit the money at the cash counter, if he is making DD on cash, or to attach the cheque with the completed voucher, if he has an account in the bank. The rate of exchange is calculated based on the rates that have been set by the bank on different amounts.

A DD leaf is filled with the information provided on the voucher and is sent to the officer for signature and authentication.

All these are recorded in the registers maintained for the purpose by the assistant incharge.

The DD is handed over to the applicant at the end. Bank sends and advice to the responding bank that a DD is being issued in favor of a customer of your bank to authenticate that the process is all-genuine.

The applicant shall send this DD to the beneficiary by means of any common carrier on which that person will become eligible to get the payment from his bank. The charges are subject to change from time to time based on the decisions made by the banks management.

Mail Transfer (MT)

Mail transfer is mode of remittance that is used for transfer of money in case the responding branch is of the same bank, which is issuing the MT. Simply to say, all interbranch transfer are done through MTs. A MT does not need an advise to be sent because the amount of MT is directly credited to the account of the payee. So it is an easy mean to transfer the amount from one account to the other account with in the same bank but different branches.

Procedure for Issuing (MT)

A voucher is filled with the information about the receiver his account number and responding branch of the bank. The amount to be sent is deposited in cash or a cheque is attached with the voucher. Based on the information provide the MT leaf is filled. It is recorded in the concerned register. Sent to the officer for signature and authentication.

A signature is taken on the counter folio of MT from the customer. The MT drawn is sent to the concerned branch with a fanfold by the bank itself.

Telegraphic Transfer (TT)

It is said to be the fastest mean of transfer of funds from one place to the other. In this method a Telex message is used to make an order of payment to the responding branch. For issue of TT a request has to be made to the manger who gives the permission. It is a costly mean and the charges are comparatively higher than other means.

Procedure for making (TT)

After a request has been granted permission the applicant is asked to deposit the amount and the charges of the transmission. The manager on the basis of the amount desired for sending makes a TT message that is gives information about the payee. The amount is written and is made conditioned with help of codes that are allotted to the manager. On receipt of the message the officer of the responding branch will put his codes to confirm the message. The amount is credited to the account of the payee.

Payment Order (PO)

Payment order is a written order issued by the branch drawn upon and payable by itself, to pay a specified sum of money to the payee against presentation of the instrument. It is used to make payments to the parties whose services have been used by the bank. We can say that it is issued for local transfer of money.

Procedure of Issuing (PO)

Payment order may have different type procedures depending on the amount of charges and nature of the expenditure. Every officer and manger has powers to grant permission of PO up to certain sum of money. Where the limit exceeds the power it is referred to higher authority. And upon the permission a payment order is prepared. After the permission is granted the following process is involved: A voucher is prepare of the total amount of expense specifying the head of account to which that amount is to be charged. A payment order leaf is prepared, signed and authenticated by the officer in charge. A signature is taken on the counter leaf from the customer to keep evidence of receipt of PO. The PO is handed over to the customer.

That customer will present that leaf for the payment or may deposit it his account, as he wishes, and shall get the payment due.

Clearing Department
In clearing department, clearinghouse is a devise, which enable banker to settle cheques and other instruments, drawn on each other. National Bank of Pakistan is the member of SBP Clearing House and receives cheques, Demand Draft and other negotiable instruments for the presentation of its payment and also provides excellent services for clearing cheques and other inter bank obligations between the banks. In this way different banks get cheques drawn by the customers on one another. So, to off set the inter-bank claims 14 branches of SBP are providing clearing facility for scheduled banks. The State Bank of Pakistan merely debit or credit the balances of banks whose

accounts and services are maintained with it. It easier for member banks to adjust their claims against each other in the books of the state bank. This is an extra ordinary banking facility which is provided to the public in this if they are maintaining an account with the National bank they can lodge Cheque of any bank in Pakistan, which will be collected and credited to their respective accounts through the process of clearing. In this representatives of various banks are gathered at SBP and exchanges the Cheque presented to them for debit of the respective accounts and in second round of meeting provide each other the fate of those Cheques to be credited to respective accounts. All this function dons by SBP but in 2005 it make its new separate department NIFT national institution of facilitation technology. Now NIFT do this responsibility for clearing purpose. It takes the cheque from banks and gives report of clearing or return the cheque to bank if it has the fault in cheque. It takes Rs 200,000 from each main branch of any bank. Because all clearing is don by only main branch of any bank. In this department I learned about 1 .Inward clearing 2. Outward clearing 3 .Short credit clearing 4. Intercity clearing 5. Same day clearing 6. Clearing register 7. Received cheque 8. Delivered cheque 9. Scroll of cheque 10. Bundle cover 11. Summary delivery receipts

Inward clearing:
Other banks cheque comes in national bank main branch through NIFT for clearing purpose. These are the cheque of any national bank branch but the owner of the cheque has the account in any other bank. So this amount goes to other bank from NBP through clearing.

Outward clearing:

This process is totally opposite of inward clearing. In which cheques of other banks come in NBP for clearing. The person who receive the cheque of other banks having account in NBP in any branch. First cheque come in that branch then these are sent to main branch in which city the other bank branch. Main bank sent these to NIFT for clearing purpose. Then NIFT clear the cheque.

Short credit clearing:

In this process divisional of all NBP branches cheques come in main branch or district court branch for clearing purpose. All branches which are come in one division come in short credit clearing. In which NBP braches receive the cheque of other banks branches related to Multan. So they sent these cheques to main branch Multan for clearing. Then this main branch clear the cheque from others bank through NIFT.

Intercity clearing:
The process in which the person who have the account in the any branch of NBP related to Multan or in main branch receive the cheque of other banks which are not in Multan outside the city like Lahore, Karachi, Islamabad and etc. In this process main branch also receive the cheque of NBP branches not situated in Multan for clearing because NBP not having the facility of online transaction. This bank has just facility of banks related transaction online.

Same day clearing:

This process done with in the same day. Cheque goes to NIFT and return with in same day. This facility only for those customers who have the account in main branch Multan. NIFT person come early morning 9.30am for receive the cheque for same day clearing. NBP charge Rs300 per cheque for same day clearing and the amount on cheque not less than then the Rs 200,000. But now a day less amount is also acceptable.

Clearing register:
Two types of register use in clearing process one for intercity and one for short credit clearing. In intercity register who enter the amount of each cheque which we receive for

clearing and then total. In short credit register we enter the all amount of each cheque for clearing in which come federal and central board of revenue cheque. Divisional cheque of all NBP branches comes in this register. The register have the title name of the branch or person name if he has account in national bank main branch short credit number or account number cheque number and total amount. Every cheque of same branch enters separately.

Received cheque:
The cheque which NBP received of gives money to other bank. Person who have the cheque of NPB have the account in any other bank. So he transfers this amount to in his account.

Delivered cheque:
The cheque which are come in NBP for clearing. A person who receive the cheque of any other bank having the account in NBP branch. So this amount comes in NBP through clearing process.

Scroll of cheque:
In this process again enter the amount of all cheques related to federal and central cheques and enter separately with general cheque. But both totals again add to receive the full total amount. Next day date enters in this scroll because cheques sent to NIFT at evening time and clear next day.

Bundle cover:
In which we enter the total number of cheques or instruments then total amount signed by clearing incharge and it sent to NIFT.

Summary delivery receipts:

We make three summaries of total amount and cheque that we received for clearing. In which we enter the number of instrument total amount its also signed by clearing incharge and sent to NIFT.

Retail & Consumer Finance Department

NBP offers the following retail products: NBP Advance Salary NBP Saibaan

NBP Advance Salary

NBP Advance Salary, the leading personal loan product of the country, is maintaining its inimitability ever since it was launched. This was only possible due to its swift growth and remarkable loan disbursement of over 118 billion. The product is purely cash flow based and offers its holder to avail 20 net salaries in one go to be repaid in Upto 60 months. No guarantee, collaterals, no insurance is required to avail this scheme. NBP gives the facility to repay the excessive amount within 1 to 60 months. The procedure is very easy, just fill the application form and choice between 1 to 60 months, give two references and two blank Cheques with the organization service card and take your NBP Advance Salary with in 3 days after submitting your form. The facility is available to the permanent employees of the following: Federal and Provincial governments Local Bodies, Semi-Government, Autonomous Bodies and government

corporations Other corporations approved by NBP

NBP Saibaan
Product Items
Home Purchase Home Construction Home Renovation Purchase of Land + Construction Balance Transfer Facility (BTF)

Home Purchase (House or Apartment)

Financing Amount Financing Period Debt to Equity

Upto 35 Million 3 to 20 Years 85:15 (Maximum) Upto 35 Million 3 to 20 Years 85:15 (Maximum) Upto 15 Million 3 to 15 Years 80:20 (Maximum) Upto 35 Million 3 to 20 Years 85:15 (Maximum)

Home Construction
Financing Amount Financing Period Debt to Equity

Home Renovation
Financing Amount Financing Period Debt to Equity

Purchase of Land and For Construction thereon

Financing Amount Financing Period Debt to Equity

Re-Financing (Balance Transfer Facility (BTF)

If you have a Home Finance Facility outstanding with another bank you can have it transferred to NBP through a hassle-free process.

Eligibility
Must be Pakistani Resident (National) Aged between 21 and 65 years at the time of application/disbursement of loan. Salaried Person, Self-employed professionals and businessmen. Property located in NBP approved localities. Service duration: Two years for salaried class Three years for selfemployed/business class.

Mark Up
SBP discount rate is +2% for all cases with insurance coverage, currently NBP Saibaan rate is 12%

Discount rate is +4% for all cases without insurance coverage, currently NBP Saibaan rate is 14%

Property Eligibility
Property must be located in positive areas defined by the Bank. The property should be purely residential. Purchase of property from parents, siblings, and spouse is not allowed. If a Govt. employee wants to purchase or construct house in the area which is not defined in positive areas, the case will not be approved until and unless he/she submits the undertaking given by his/her employer on NBP's prescribed format. Property insurance is mandatory and life insurance is optional

Government Section
In this department bank make collection of all government revenues taxes etc from the public. Bank also pays several payments to the customers through this section. There are two types of payment which is making by this department. Pensions Assignment accounts

There are several heads in the collection of payments which are as follows

Provincial Government (P-1)

There includes following heads thin this. Property tax

Motor vehicle tax R-D (Court related) Revenue Agriculture tax Misc. (Health, educations)

P-2
It includes only Food department

District Government
Domicile Visa Protector

Central Government
Passport Misc. (Domicile, visa protect fee etc)

FBR (Federal Board of Revenue)

In the bank there is a totally computerized system in FBR FBR includes Income Tax Sales Tax Federal Excise Duty Custom

The same department also accepts Utility Bills and NTC.

Foreign exchange Department

Foreign Currency Account

Foreign currency accounts are opened, on proper introduction and submission of required documents along with an initial deposit prescribed from time to time. Rate of return on foreign currency deposits are subject to fluctuation as determined in accordance with state bank of Pakistan directives. The bank shall have no responsible to accounts holders of foreign currency in the event of any restrictions imposed by the SBP /Government of Pakistan on withdrawal or due to enforcement of any new law or directives of the government or due to act of God, War, Civil commotion, strike or any other acts or causes beyond the control of bank. The bank shall have no responsibility for or liability to the accounts holders for any reduction due to taxes or devaluation or fluctuation in the exchange rate or or else.

Foreign Remittances
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 for timely and prompt delivery of remittances to the beneficiaries

New Features:
The existing system of home remittances has been revised/significantly improved and welltrained field functionaries are posted to provide efficient and reliable home remittance services to nonresident Pakistan at 15 overseas branches of the bank besides United National bank (the joint venture between NBP and UBL in UK) and Bank Aljazira, 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 expeditions delivery of home remittances to the beneficiaries.

LETTER OF CREDIT

Foreign letter of credit is issued by foreign exchange department and it may be fund bases or Non fund bases. But mostly its work as exporter bank that is it responds to letter of credit. Letter of credit is a secure mode of payment to the exporters by the importers. National bank is providing this facility to its account holders as well as to other businessmen Bank pays the amount to the exporter on the behalf of importers on presenting the required documents. Through letter of credit bank is bound to pay exporter if the importer defaults. Letter of credit can be opened and negotiated through only from the list of 6000 banks of internationally.

Procedure for opening letter of credit.

After the submission of the required documents by the importer, the bank verifies the genuineness of these documents Bank retains the 10% margin of the total amount of letter of credit for precautionary measures. At the time of opening of letter of credit bank charges commission, postage and telegram charges and others from the importer. A sanction slip is attached with the form after the documents and signatures are verified for the approval of manger. After approval, four copies of the same are prepared and the entries are made in the books of accounts(letter of credit opened register and margin account register)

Documents required for letter of credit

The name of a local company, which is importing the goods. The name of foreign company, which is exporting the goods. The details of the goods to be transacted including the amount, quality, mode of packing etc. The total amount of the letter of credit. The number of days for which the letter of credit valid. The name of the banks, which are regulating all these dealings.

The name if the carrier which will be used for the shipment of the good to the importer. The bill of shipment number.

Payment of Letter of Credit

The payment of Letter of credit can be in two ways:

Sight: In this case when all the documents of the goods are submitted to the bank the bank
then make payment of the LC.

Usance: In this case the payment is made to the party after 60, 90,120 days after the
submission of the documents. Note: If nature of payment is sight then the advising bank uses the discounting and pays the fewer amounts as compared to the orginal amount.

SWOT Analysis
Strength
National Bank of Pakistan provides the facility of debit card at minimum rate all over the Pakistan. Refreshment and lunch facilities for internees. 24 hours cash access and safe payment products for high value transaction. Vast Operational Network of 1448 branches nationwide. Efficient Home Remittance NBP also works as agent of SBP in those cities where the SBP branches are not working.

National Bank of Pakistan is providing postgraduate training & research facilities in the areas of business administration and management. Government revenue collection.

Weaknesses
Outdated systems & procedures Inadequate, poorly placed network technology Deep rooted bureaucratic approval Poor resource utilization Overstaffed with poor quality personnel No coordination among the employees. Victim of political, legal and socio-cultural pressures. National Bank of Pakistan main branch Multan still having the shortage of cash and deposits counters. Less motivated and old staff. Union has strong impact on performance of NBP. So the top management is unable to punish the violators and shrieks.

Opportunities
Introduction of new products and services Introduction of new technology and electric banking Due to efficient and veteran management group, NBP can also improve well and expand its foreign operation successfully. Muslims are consciously differentiating the Islamic-base banking from interestbase banking. That is why there is large caution of expansion. Mobile banking should be started to compete in market. NBP provide opportunity to utilize its skills and efficiencies in leasing business.

New style management

Threats
Establishment of new private financial institutions and expansion New products from private Pakistani and foreign banks Inability to change Low Quality of human resources

Pest Analysis
POITICAL
Privatization policy and deregulation. Impact of subsidized credit affecting National Bank. Employment practices, Unions, Associations. Political interference and harassment. Incidence of high taxation on banking industry.

ECONOMIC
Constraints in mobilization of public savings because of inflation. Staff cost. Operating costs. Bad Debts

SOCIAL AND CULTURAL

Inadequate human resources Cultural strain to savings Defaulters lobby Declining education and work ethics Inadequate Accountability Inadequate Empowerment.

TECHNICAL
Inadequate communication infrastructure. Inadequate computer facilities. Inadequate IT training.

Class room learning in organization

Nowadays Human Resource management is very vital role in every organization try to manage its human resource and to give them facilities. NBP has its HRM department in all the main branches of big cities including the branch where I visited but they are just maintaining the record of each employee and give information to the head quarter in Karachi about the employees. They are not working for the benefits of employees; they are not specialized to solve the problem of the employees. For any organization marketing of product is prime importance for any organization. In the dynamic environment, every organization has its own Marketing Department, which is responsible for creating the demand of its goods and services. Nowadays banks also have their Marketing Department which are responsible for creating demand of their product i.e., their deposit schemes and increasing the deposit of the bank. NBP has its own full marketing department at the Head Office, KARACHI. This department prepares different deposit schemes for its Customers time to time, in order to increase the business of the bank. At branch level, the operation department follows marketing practices. But it seems not good because marketing should be done according to the environment of region where it is working, so there is the complete negligence of marketing practices which we learnt in our class because there should be a complete marketing department in branches of big cities like in MULTAN.

Suggestions and recommendations

Based on the SWOT and PEST analysis of the National Bank of Pakistan, it is observed that the Bank like the other public sector industries has not been showing up to mark performance. On the basis of SWOT analysis of the Bank the following suggestions and recommendations are given. All branches of the Bank should be computerized for increasing the effectiveness and efficiency of its employees. Bank should try to get rid of the political influence to be able to compete in the Redefining of rules, regulations and policies should be made implemented at all Efforts of great importance to be made for the over the counter services of industry with prudent and strong policies. costs. general banking making it more simple and faster to get a better response of the customers. The behavior of the employees, especially on the counter has to be strictly The still existed bureaucratic approval system has to be demolished. Better and comprehensive long-term and short-term planning should be made to There is a possibility of establishing a task force to ascertain the effectiveness The Bank should develop a comprehensive recruitment policy to make only the There is a still a vast pool of incompetent employees that has to right sized. There is a lack of promotional element in the planning and budgetary decisions Efforts should be continued to keep the powers of employees union to the Promotions must not be delayed and should be made on time to further increase monitored and checked.

forecast the future needs. of the policies being implemented. competent ones to be on the job.

of the Bank that has to think seriously. minimum, like the current situation. the commitment and efficiency of the employees.

If I am the manager there?

I want to change the set of connections of the organization in this way

I will provide vehicles to all employees and internees. I will establish the education institution only for children of NBP Employees free of cost.

Proper restriction and well organized dress of staff and as well as internees in the bank.

Hire well educated person to guide the customer as desire section. Providing our employees with performance related credit, promotion and reward, opportunities for personal growth and job satisfaction, profession planning and job security.

I will provide equal employment opportunity on merit.