Nbp Internship Report

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TABLE OF CONTENTS
Objectives………………………………………………………..……………….1 Overview of the organization … ………………………………….…………. 3 National bank history……………… …………………………………..………. 4 Business volume of five years …… ……………………………………..……....6

Product lines ……………………… ……………………………………….….. 7 Consumer banking ……………… ……………………………………………….7 Corporate banking……………… ……………………………………………..… 7 Consumer financing……………… …………………………………………..…..8 Electronic banking…………………………………………………………………8 Organizational structure………………………………………………………. 9 Organization organgram………… ………………………………………………10

Branch organgram…………………………………………………………… … 11 Regional offices………………… ……………………………………………… 12 Overseas branches……………… ……………………………………………… 13

REVIEW
IN

OF

VARIOUS TERMS

DEPARTMENTS OF

FUNCTIONS…………………

……..14

Corporate Banking………………………………………………………….…….14 Retail Banking……………………………………………………………….…...16 Commercial Banking………………………………………………………….….18 Agriculture departments……………………………………………………….…19 Deposits…………………………………………………………….. ………..….20 International Operations………………………………………………….………21 Islamic Banking……………………………………………………….……….…21 Treasury…………………………………………………………………………..22 Financial Institution and Cash Management……………………………………..22 Operations……………………………………………………………………….. 23 Information Technology………………………………………………………… 23 Human Resource………………………………………………………………… 24

IV

Credit and risk management…………………………………………………….. 25

Functions of accounts and finance department
Accounting system of the organizations…………………………………………27 Finance system of the organizations……………………………………………..30 Charts of finance & accounts ……………………………………………………31 Charts of audit …………………………………………………………………...32 Role of the financial manager in NBP…………………………………………...33 Use of electronic data in decision making……………………………………….35 Sources of funds….. …………………………………………………………….36 Generation of funds...……………………………………………………………37 Allocation of funds …………………………………………………………….38 Analysis of theoretical concepts to practical experience…………….... ………..39

Financial analysis
Financial analysis………………………………………………………………...41 Balance sheet of five years……………………………………………..………. 42 Profit and loss account of five years …………………………………… ………43 Horizontal analysis of five years…………………………………..……………44 Table………………………………………………………………..…………….44 Interpretation……………………………………………………..………………45 Vertical analysis of five years…………………………………………………..47 Table ……………………………………………………………………………..47 Interpretation …………………………………………… ….. ………………….48

Ratio analysis……………………………………………………………….. …..50 Current ratio………………………………………………………………………51 Debt to equity ratio……………………………………………………………… 52 Debt to total assets ratio…………………………………………………………. 53 Interest coverage ratio…………………………………………………………… 54 Return on equity……………………………………………………….. ……….. 56 Return on assets…………………………………………………………………. 58 Net profit ratio…………………………………………………………………… 60 Analysis with other banks or listed companies………………………………….. 61

V

Future prospectus of the organization…………………………………………….63 Short falls/weaknesses of Finance department……………………………………65 Suggestions………………………………………………………………………..67 Conclusion………………………………………………………………………...70

VI

References and sources used
I. www.NBP.com.pk II. Annual report of National Bank of Pakistan (2003-2007) III. Business Recorder (news paper) IV. Dawn (news paper) V. Management Theory & Practices by Robbins 7th Edition VI. Investment by Charles P. Jones 12th Edition VII. Mr.Azeem (Teacher N.K FACT) VIII. Mr.F.R Tariq (Teacher N.K FACT) IX. Mr Ayub (Branch Manager DHA) X. Fundamental of Financial Management by James C.Van & John Wachowicz 12th Edition XI. Corporate Finance by Brealey &Myers

AIOU T-520728

1

Annexes
Corporate Information Board of Directors
Chairman & President Syed Ali Raza Muhammed Ayub Khan Tarin Sikandar Hayat Jamali Azam Faruque Mian Kausar Hameed Ibrar A. Mumtaz Tariq Kirmani Muhammed Arshad Chaudhry

Audit Committee
Chairman Azam Faruque Ibrar A. Mumtaz Mian Kausar Hameed

Auditors
Chartered Accountants...
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