The document provides information about Bank of Punjab (BOP), including its history, mission, vision, core values, board of directors, management, branches, and financial position. It discusses BOP's retail banking services such as current deposits, saving deposits, and term deposits. It also outlines BOP's retail finance services and products, including various deposit accounts, debit/credit cards, and youth education accounts.
The Bank of Punjab was established in 1989 and operates 272 branches across Pakistan. It provides various banking services including deposits, remittances, and lending to businesses, agriculture, and trade. The bank aims to be customer-focused with service excellence. It strives to leverage its relationship with the Punjab government to deliver professional solutions focused on agriculture and middle-tier markets. The bank has received several awards and has values of prioritizing customers, integrity, excellence, respect, and profitability.
The document provides an overview of the internship report submitted by Muhammad Irfan Iqbal to Sir Azhar Sheikh for his internship at The Bank of Punjab in Hasilpur, Punjab, Pakistan. It includes details of the internship such as the departments and activities Irfan worked in, including account opening, checking vouchers, and issuing cheque books. It also provides a brief history of The Bank of Punjab and outlines its organizational structure, services, and departments.
The document is an internship report authored by Abdullah Javed summarizing his 3 month internship at the Bank of Punjab Cavalry Ground Branch. It provides an overview of the banking system in Pakistan and the Bank of Punjab specifically. It describes the bank's vision, mission, core values and product lines which include deposit products, consumer and commercial financing, agriculture credit, trade finance and electronic banking services. The report was written to fulfill the requirements for Abdullah Javed's internship as part of his ACCA coursework.
The bank of punjab presentation last nightArfan Afzal
This document provides information about The Bank of Punjab. It discusses that the bank operates as a scheduled commercial bank with over 254 branches across Pakistan. It offers various banking services like deposits, remittances, loans for business, agriculture, and consumers. The bank has received credit ratings of AA- for long term and A1+ for short term. It aims to support small farmers through schemes like Kissan Dost Agriculture Finance. The document outlines the bank's leadership, divisions, products, branches, competitors, and customer service strategies.
This document provides information about Meezan Bank and its operations. It includes:
1) An introduction and background on Meezan Bank along with contact details for its branch staff members.
2) Details on Meezan Bank's vision, mission, values, and financial highlights including growth rates in deposits, assets, and profits.
3) Information on Meezan Bank's board of directors, Shariah supervisory board, credit ratings, and branch network across Pakistan.
4) Descriptions of some of Meezan Bank's main Islamic banking products and accounts.
MCB Bank Limited is one of Pakistan's largest banks. It was founded in 1947 and privatized in 1991. Today it has over 1,173 branches across Pakistan and overseas. The document provides an overview of MCB's history, leadership, financial performance, products and services which include deposits, loans, credit cards, investments and more.
The document provides information about Bank of Punjab (BOP), a scheduled commercial bank in Pakistan. It was established in 1989 and has 284 branches across the country. BOP mobilizes local resources, promotes savings, and provides investment funds. It aims to be a customer-focused bank with service excellence. BOP offers various banking services including deposits, loans, remittances and bill payments. It has a subsidiary called BOP First Punjab Modaraba. The document discusses BOP's organizational structure, products and services, financial performance and future prospects. It conducts a PEST analysis and concludes that BOP has a high market share due to its focus on excellent customer service.
The Bank of Punjab was established in 1989 and operates 272 branches across Pakistan. It provides various banking services including deposits, remittances, and lending to businesses, agriculture, and trade. The bank aims to be customer-focused with service excellence. It strives to leverage its relationship with the Punjab government to deliver professional solutions focused on agriculture and middle-tier markets. The bank has received several awards and has values of prioritizing customers, integrity, excellence, respect, and profitability.
The document provides an overview of the internship report submitted by Muhammad Irfan Iqbal to Sir Azhar Sheikh for his internship at The Bank of Punjab in Hasilpur, Punjab, Pakistan. It includes details of the internship such as the departments and activities Irfan worked in, including account opening, checking vouchers, and issuing cheque books. It also provides a brief history of The Bank of Punjab and outlines its organizational structure, services, and departments.
The document is an internship report authored by Abdullah Javed summarizing his 3 month internship at the Bank of Punjab Cavalry Ground Branch. It provides an overview of the banking system in Pakistan and the Bank of Punjab specifically. It describes the bank's vision, mission, core values and product lines which include deposit products, consumer and commercial financing, agriculture credit, trade finance and electronic banking services. The report was written to fulfill the requirements for Abdullah Javed's internship as part of his ACCA coursework.
The bank of punjab presentation last nightArfan Afzal
This document provides information about The Bank of Punjab. It discusses that the bank operates as a scheduled commercial bank with over 254 branches across Pakistan. It offers various banking services like deposits, remittances, loans for business, agriculture, and consumers. The bank has received credit ratings of AA- for long term and A1+ for short term. It aims to support small farmers through schemes like Kissan Dost Agriculture Finance. The document outlines the bank's leadership, divisions, products, branches, competitors, and customer service strategies.
This document provides information about Meezan Bank and its operations. It includes:
1) An introduction and background on Meezan Bank along with contact details for its branch staff members.
2) Details on Meezan Bank's vision, mission, values, and financial highlights including growth rates in deposits, assets, and profits.
3) Information on Meezan Bank's board of directors, Shariah supervisory board, credit ratings, and branch network across Pakistan.
4) Descriptions of some of Meezan Bank's main Islamic banking products and accounts.
MCB Bank Limited is one of Pakistan's largest banks. It was founded in 1947 and privatized in 1991. Today it has over 1,173 branches across Pakistan and overseas. The document provides an overview of MCB's history, leadership, financial performance, products and services which include deposits, loans, credit cards, investments and more.
The document provides information about Bank of Punjab (BOP), a scheduled commercial bank in Pakistan. It was established in 1989 and has 284 branches across the country. BOP mobilizes local resources, promotes savings, and provides investment funds. It aims to be a customer-focused bank with service excellence. BOP offers various banking services including deposits, loans, remittances and bill payments. It has a subsidiary called BOP First Punjab Modaraba. The document discusses BOP's organizational structure, products and services, financial performance and future prospects. It conducts a PEST analysis and concludes that BOP has a high market share due to its focus on excellent customer service.
National Bank of Pakistan Internship Report.pdfWasif Ali Syed
This document provides a summary of the author's internship at the National Bank of Pakistan's Circular Road Branch in Gujrat from September to November 2022. It acknowledges those who helped and supported the author during the internship. It then provides an overview of the bank's organizational structure, the branch the author worked at, the departments and training experienced. Specifically, it outlines the processes for account opening, remittances, clearing checks, and the roles and responsibilities experienced in each department. It concludes with reflections on areas of strength and opportunity for improvement at the bank.
This document provides background information on Allied Bank Limited (ABL) in Pakistan. It discusses the early development of banking in Pakistan after independence, with very few branches and most resources controlled by non-Muslim bankers who left for India. The State Bank of Pakistan was established in 1948 as the central bank. ABL was the first Muslim bank established in the territory of Pakistan in 1942. The document outlines the objectives and methodology of a study conducted on ABL's operations and performance. It discusses the importance of banks in mobilizing savings and providing finance to drive economic growth. It also briefly traces the history of banking from merchants and goldsmiths to the establishment of modern commercial banks in Pakistan.
internship report of Meezan Bank Hasilpur.Muhammad Waqas
This document discusses the internship report of Muhammad Waqas at Meezan Bank Limited's Baldiya Road branch in Hasilpur, Bahawalpur. It provides an overview of Meezan Bank, including its vision to establish Islamic banking as the preferred system and its mission to offer innovative Shariah-compliant products and services. The report also describes the bank's general banking, credit, and Islamic financing departments and the products and services they offer. It concludes by acknowledging those who helped and supported Muhammad Waqas in completing his internship and report.
Habib Bank was founded in 1941 in Bombay and is now the largest private bank in Pakistan. It has over 1700 branches domestically and 55 internationally. The bank was nationalized in 1974 but privatized in 2004. Currently, its vision is to enable prosperity for customers, excellence for staff, and value for stakeholders. The bank offers various personal and commercial products and services including deposits, loans, credit cards, and digital banking. A SWOT analysis finds strengths in its large network and reputation, while weaknesses include some outdated technologies and centralized management.
Bank Alfalah Limited is a private bank in Pakistan established in 1997. It has over 650 branches across Pakistan and international presences in Afghanistan, Bangladesh, and Bahrain. The internship report provides an overview of the bank's history, vision, mission, products and services. It describes the intern's experience working in the account opening, remittance, clearing, and cash departments at the Eid Gah road branch. The report discusses what was learned during the internship and how classroom learning was applied. Recommendations are provided to improve branch operations.
National bank of Pakistan (nbp) swot analysisiqra ishfaq
The document analyzes the SWOT of National Bank of Pakistan. Some key strengths include being the first nationalized commercial bank, having a large branch network of over 1200 domestic and 22 overseas branches, and providing services like ATMs, online banking, and acting as an agent for the state bank. Weaknesses include less computerization, uneven work distribution, and favoritism in recruitment. Opportunities lie in growing the banking system through technology adoption. Threats include new competitors providing better services, customer dissatisfaction, outdated systems, and political pressure.
Meezan Bank is Pakistan's largest Islamic bank, operating 222 branches across 63 cities. It was the first bank to receive an Islamic banking license from the State Bank of Pakistan in 2002. Meezan Bank offers a range of Shariah-compliant deposit products like savings accounts, certificates of investment, and foreign currency accounts. It has a strong management team and balance sheet, with excellent profitability and high credit ratings. The bank aims to be the premier provider of innovative Islamic banking services in Pakistan.
This document summarizes a presentation about the D-Ground branch of the Bank of Punjab (BOP). It provides background on the establishment of BOP and the D-Ground branch. It outlines the branch's vision, mission, structure, services, and human resource management. It also describes awards received by BOP and performs a SWOT analysis of the D-Ground branch, identifying strengths like its reputation and location, weaknesses like lack of advertising, and opportunities and threats like competition.
- The document is an internship report prepared by Abdullah Baig about his 8-week internship at the National Bank of Pakistan in Quetta.
- It provides information about the bank's history and operations, including its vision, mission, branch network, organizational structure, and the departments Abdullah worked in such as pensions, account opening, clearance, and remittances.
- The report also includes a SWOT analysis and conclusions from Abdullah's experience at the bank during his internship.
Habib Bank Limited (HBL) is one of the largest banks in Pakistan with over 1400 branches. It was established in 1941 in Bombay and moved its headquarters to Karachi after the partition of India and Pakistan in 1947. HBL was nationalized in 1974 but privatized in 2004. Today it has corporate, retail, and international banking divisions organized across its central and regional offices. HBL has a strong presence but also faces threats from increasing competition from foreign banks and needs to improve some customer services to remain the leading bank.
This document appears to be an internship report submitted by Fatima for her MBA program. It provides an overview of the banking sector in Pakistan historically and currently. It then focuses on Fatima's 6-week internship at Bank Alfalah Limited in Sahiwal, where she learned about the various departments and their functions, as well as Bank Alfalah's products and services. The report also includes a financial analysis and ratios for Bank Alfalah from 2008-2012.
This document provides an overview and summary of the internship report completed by Muhammad Umar at the National Bank of Pakistan, Main Branch in Islamabad. It begins by acknowledging those who helped with completing the report. The report explains the challenges faced in gathering data as an intern at NBP due to the bank's high workloads. It summarizes the purpose of the internship program and methodology used in the report. The report then provides high-level summaries of the chapters which analyze NBP's company background, board of directors, departments, services, SWOT analysis and competitive analysis.
The document is an internship report submitted by Hidayat Ullah about his internship at the MCB Bank Limited Kohat City Branch in Pakistan. It provides details about MCB Bank such as its vision, mission, objectives, and core values. It also describes the different departments in the Kohat City Branch and the work done by the intern during the 8-week internship period.
Bank Alfalah was launched in 1997 as a public limited company. It was originally named after the sister of the Chairman of Abu Dhabi Group, which privatized and took over the bank. Currently, Bank Alfalah has over 605 branches across Pakistan and internationally. It offers both consumer and corporate financing products, including personal loans, auto loans, home financing, business loans, and agricultural loans.
Meezan Bank is Pakistan's largest Islamic bank with over 600 branches. It provides various Shariah-compliant banking products and services like savings accounts, financing, and investments. The bank aims to establish Islamic banking as the preferred choice through professionalism, innovation, and social responsibility. To strengthen its position, Meezan Bank plans to expand into new areas and improve marketing to increase awareness of Islamic finance. The bank also needs to enhance its online systems and provide better employee training to overcome weaknesses.
Internship report on js bank by labeeda faridLabeeda Farid
I am student of MBA 1.5 Regular in University of Sargodha session 2014-2016.I have done my internship in JS Bank Rabwah Branch in 2015. This is my internship report on JS Bank as required by the University of Sargodha and JS Bank.
This document provides an overview of Bank Alfalah including its definition, vision, mission, products, departments and accounting practices. In 3 sentences:
Bank Alfalah is an Abu Dhabi based commercial bank operating in Pakistan with over 100 branches. It offers various personal and business banking products and services through departments like operations, credit, accounting and remittance. The accounting department prepares financial statements, tracks assets, liabilities, income and expenses, and ensures compliance with accounting standards.
The document discusses various types of banks and accounts in Pakistan. It provides details on commercial banks, agricultural banks, industrial banks, mortgage banks, exchange banks, and saving banks. It then discusses account opening procedures and requirements at Askari Commercial Bank, including the rights and duties of customers. Products and services offered by Askari Commercial Bank are outlined, including personal finance, mortgage finance, business finance, credit cards, and travelers cheques. Departments within the bank are also listed.
This document provides information about Faysal Bank Limited, including its group members who visited one of its branches, the branch details, organizational structure, history, products, services, and financial performance. It discusses Faysal Bank's vision, mission, values, boards of directors, branches nationwide, awards, social responsibilities, and introduces its Islamic banking division Barkat. It also includes a SWOT analysis and summaries of the bank's market share and recent quarterly/annual financial statements.
Al-Baraka Bank (Pakistan) Ltd is an Islamic bank that was formed through a merger in 2010. It has over 224 branches across Pakistan and aims to provide Shariah-compliant banking products and services to customers. The bank offers various savings, investment and financing products for individuals and businesses. It has a vision of conducting ethical business according to Islamic principles and sharing mutual benefits with customers and shareholders.
This document provides information about Askari Bank, including its vision, mission, core values, corporate philosophy, history, products and services, and Islamic banking division. It outlines Askari Bank's vision to be the leading private sector bank in Pakistan and its mission to deliver quality service through innovative technology. It also lists the bank's core values of commitment to customers, integrity for investors, fairness for regulators, teamwork for employees, and service to communities.
National Bank of Pakistan Internship Report.pdfWasif Ali Syed
This document provides a summary of the author's internship at the National Bank of Pakistan's Circular Road Branch in Gujrat from September to November 2022. It acknowledges those who helped and supported the author during the internship. It then provides an overview of the bank's organizational structure, the branch the author worked at, the departments and training experienced. Specifically, it outlines the processes for account opening, remittances, clearing checks, and the roles and responsibilities experienced in each department. It concludes with reflections on areas of strength and opportunity for improvement at the bank.
This document provides background information on Allied Bank Limited (ABL) in Pakistan. It discusses the early development of banking in Pakistan after independence, with very few branches and most resources controlled by non-Muslim bankers who left for India. The State Bank of Pakistan was established in 1948 as the central bank. ABL was the first Muslim bank established in the territory of Pakistan in 1942. The document outlines the objectives and methodology of a study conducted on ABL's operations and performance. It discusses the importance of banks in mobilizing savings and providing finance to drive economic growth. It also briefly traces the history of banking from merchants and goldsmiths to the establishment of modern commercial banks in Pakistan.
internship report of Meezan Bank Hasilpur.Muhammad Waqas
This document discusses the internship report of Muhammad Waqas at Meezan Bank Limited's Baldiya Road branch in Hasilpur, Bahawalpur. It provides an overview of Meezan Bank, including its vision to establish Islamic banking as the preferred system and its mission to offer innovative Shariah-compliant products and services. The report also describes the bank's general banking, credit, and Islamic financing departments and the products and services they offer. It concludes by acknowledging those who helped and supported Muhammad Waqas in completing his internship and report.
Habib Bank was founded in 1941 in Bombay and is now the largest private bank in Pakistan. It has over 1700 branches domestically and 55 internationally. The bank was nationalized in 1974 but privatized in 2004. Currently, its vision is to enable prosperity for customers, excellence for staff, and value for stakeholders. The bank offers various personal and commercial products and services including deposits, loans, credit cards, and digital banking. A SWOT analysis finds strengths in its large network and reputation, while weaknesses include some outdated technologies and centralized management.
Bank Alfalah Limited is a private bank in Pakistan established in 1997. It has over 650 branches across Pakistan and international presences in Afghanistan, Bangladesh, and Bahrain. The internship report provides an overview of the bank's history, vision, mission, products and services. It describes the intern's experience working in the account opening, remittance, clearing, and cash departments at the Eid Gah road branch. The report discusses what was learned during the internship and how classroom learning was applied. Recommendations are provided to improve branch operations.
National bank of Pakistan (nbp) swot analysisiqra ishfaq
The document analyzes the SWOT of National Bank of Pakistan. Some key strengths include being the first nationalized commercial bank, having a large branch network of over 1200 domestic and 22 overseas branches, and providing services like ATMs, online banking, and acting as an agent for the state bank. Weaknesses include less computerization, uneven work distribution, and favoritism in recruitment. Opportunities lie in growing the banking system through technology adoption. Threats include new competitors providing better services, customer dissatisfaction, outdated systems, and political pressure.
Meezan Bank is Pakistan's largest Islamic bank, operating 222 branches across 63 cities. It was the first bank to receive an Islamic banking license from the State Bank of Pakistan in 2002. Meezan Bank offers a range of Shariah-compliant deposit products like savings accounts, certificates of investment, and foreign currency accounts. It has a strong management team and balance sheet, with excellent profitability and high credit ratings. The bank aims to be the premier provider of innovative Islamic banking services in Pakistan.
This document summarizes a presentation about the D-Ground branch of the Bank of Punjab (BOP). It provides background on the establishment of BOP and the D-Ground branch. It outlines the branch's vision, mission, structure, services, and human resource management. It also describes awards received by BOP and performs a SWOT analysis of the D-Ground branch, identifying strengths like its reputation and location, weaknesses like lack of advertising, and opportunities and threats like competition.
- The document is an internship report prepared by Abdullah Baig about his 8-week internship at the National Bank of Pakistan in Quetta.
- It provides information about the bank's history and operations, including its vision, mission, branch network, organizational structure, and the departments Abdullah worked in such as pensions, account opening, clearance, and remittances.
- The report also includes a SWOT analysis and conclusions from Abdullah's experience at the bank during his internship.
Habib Bank Limited (HBL) is one of the largest banks in Pakistan with over 1400 branches. It was established in 1941 in Bombay and moved its headquarters to Karachi after the partition of India and Pakistan in 1947. HBL was nationalized in 1974 but privatized in 2004. Today it has corporate, retail, and international banking divisions organized across its central and regional offices. HBL has a strong presence but also faces threats from increasing competition from foreign banks and needs to improve some customer services to remain the leading bank.
This document appears to be an internship report submitted by Fatima for her MBA program. It provides an overview of the banking sector in Pakistan historically and currently. It then focuses on Fatima's 6-week internship at Bank Alfalah Limited in Sahiwal, where she learned about the various departments and their functions, as well as Bank Alfalah's products and services. The report also includes a financial analysis and ratios for Bank Alfalah from 2008-2012.
This document provides an overview and summary of the internship report completed by Muhammad Umar at the National Bank of Pakistan, Main Branch in Islamabad. It begins by acknowledging those who helped with completing the report. The report explains the challenges faced in gathering data as an intern at NBP due to the bank's high workloads. It summarizes the purpose of the internship program and methodology used in the report. The report then provides high-level summaries of the chapters which analyze NBP's company background, board of directors, departments, services, SWOT analysis and competitive analysis.
The document is an internship report submitted by Hidayat Ullah about his internship at the MCB Bank Limited Kohat City Branch in Pakistan. It provides details about MCB Bank such as its vision, mission, objectives, and core values. It also describes the different departments in the Kohat City Branch and the work done by the intern during the 8-week internship period.
Bank Alfalah was launched in 1997 as a public limited company. It was originally named after the sister of the Chairman of Abu Dhabi Group, which privatized and took over the bank. Currently, Bank Alfalah has over 605 branches across Pakistan and internationally. It offers both consumer and corporate financing products, including personal loans, auto loans, home financing, business loans, and agricultural loans.
Meezan Bank is Pakistan's largest Islamic bank with over 600 branches. It provides various Shariah-compliant banking products and services like savings accounts, financing, and investments. The bank aims to establish Islamic banking as the preferred choice through professionalism, innovation, and social responsibility. To strengthen its position, Meezan Bank plans to expand into new areas and improve marketing to increase awareness of Islamic finance. The bank also needs to enhance its online systems and provide better employee training to overcome weaknesses.
Internship report on js bank by labeeda faridLabeeda Farid
I am student of MBA 1.5 Regular in University of Sargodha session 2014-2016.I have done my internship in JS Bank Rabwah Branch in 2015. This is my internship report on JS Bank as required by the University of Sargodha and JS Bank.
This document provides an overview of Bank Alfalah including its definition, vision, mission, products, departments and accounting practices. In 3 sentences:
Bank Alfalah is an Abu Dhabi based commercial bank operating in Pakistan with over 100 branches. It offers various personal and business banking products and services through departments like operations, credit, accounting and remittance. The accounting department prepares financial statements, tracks assets, liabilities, income and expenses, and ensures compliance with accounting standards.
The document discusses various types of banks and accounts in Pakistan. It provides details on commercial banks, agricultural banks, industrial banks, mortgage banks, exchange banks, and saving banks. It then discusses account opening procedures and requirements at Askari Commercial Bank, including the rights and duties of customers. Products and services offered by Askari Commercial Bank are outlined, including personal finance, mortgage finance, business finance, credit cards, and travelers cheques. Departments within the bank are also listed.
This document provides information about Faysal Bank Limited, including its group members who visited one of its branches, the branch details, organizational structure, history, products, services, and financial performance. It discusses Faysal Bank's vision, mission, values, boards of directors, branches nationwide, awards, social responsibilities, and introduces its Islamic banking division Barkat. It also includes a SWOT analysis and summaries of the bank's market share and recent quarterly/annual financial statements.
Al-Baraka Bank (Pakistan) Ltd is an Islamic bank that was formed through a merger in 2010. It has over 224 branches across Pakistan and aims to provide Shariah-compliant banking products and services to customers. The bank offers various savings, investment and financing products for individuals and businesses. It has a vision of conducting ethical business according to Islamic principles and sharing mutual benefits with customers and shareholders.
This document provides information about Askari Bank, including its vision, mission, core values, corporate philosophy, history, products and services, and Islamic banking division. It outlines Askari Bank's vision to be the leading private sector bank in Pakistan and its mission to deliver quality service through innovative technology. It also lists the bank's core values of commitment to customers, integrity for investors, fairness for regulators, teamwork for employees, and service to communities.
Hafsa Idrees and others presented on the history and operations of Habib Bank Limited (HBL). HBL was founded in 1941 in Bombay and is now headquartered in Karachi. It has over 1,700 branches domestically and 55 branches internationally. HBL offers various personal and business banking accounts, loans, investment products, and digital banking services. It aims to enable customer prosperity while creating value for stakeholders through its vision, mission, and values of progressiveness, customer focus, excellence, integrity and meritocracy.
HBL was founded in 1941 in Bombay and is now the largest private bank in Pakistan. It has over 1700 branches domestically and 55 branches internationally. HBL offers various personal and business deposit accounts, loans, insurance and investment products. While HBL has a strong brand and large branch network, it faces threats from other banks and economic/political instability in Pakistan.
This document is Access Bank's 2004 annual report. It discusses the bank's strong financial performance in a difficult year for banks. It highlights the bank's unique culture and customer-focused business model that prioritizes customer experience. It also discusses the bank's expertise in specialized areas and efforts to build its world-class corporate identity. The report notes the bank's goals to become one of Nigeria's top 5 banks and prepare for industry consolidation by increasing its capital.
Barclays is a large multinational banking and financial services company headquartered in London. It offers various personal, premier, and corporate banking services in over 50 countries. The document discusses Barclays' history, functions, operations, risks like credit risk and market risk, and its efforts to prevent money laundering and terrorism financing.
Al Baraka Bank offers various retail and business banking products and services that are Shariah compliant. For individuals, they offer savings accounts, current accounts, term deposits. For businesses, they offer treasury services, SME financing, corporate banking. They also offer services like debit cards, phone banking, bill payments, and foreign exchange services.
This document provides an introduction and analysis of the financial statements of Standard Chartered Bank and Nabil Bank in Nepal. It begins with an introduction of the two banks, including their histories and operations. The objective is to compare the financial strengths and weaknesses of the two prominent joint venture banks in Nepal. The document includes a literature review, analysis using CAMELS approach, research methodology discussing data collection and analysis methods, and findings from the financial statement data and ratio analysis of both banks. It concludes with implications and references.
The document provides information about MCB Bank's Special Asset Management Group (SAMG). SAMG is responsible for managing non-performing loans over PKR 2 million. It works to negotiate repayment plans with defaulting clients, pursue legal action if needed, and recover assets to repay loans. The success of SAMG directly impacts the bank's finances. The group has experienced credit officers and works with lawyers. Its processes involve taking over loans from branches, negotiating with clients, filing suits, and tracing and selling assets if needed. Managerial structures aim to motivate employees through participative strategies and feedback. Efficiency can be impacted by lengthy legal processes, but the group aims to strengthen cases and monitoring. The general economic environment
0601094 credit analysis for personal laonSupa Buoy
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Wema Bank's 2012 annual report summarizes the bank's corporate philosophy, profile, financial statements, and shareholders' information. The bank aims to be the financial institution of choice through mutual respect, innovation, teamwork, professionalism, and performance. It has over 130 branches and offers a range of banking services. Wema Bank is committed to complying with Nigerian sustainable banking principles by ensuring its activities are environmentally and socially responsible.
BRAC Bank Ltd. is one of the fastest growing and leading commercial banks in Bangladesh. It focuses on providing banking services to small and medium enterprises. The bank aims to be the market leader and set high standards for service quality and customer relationships. It has a vision of being a profitable and socially responsible bank that assists in developing Bangladesh. The bank has various goals, values and a mission to sustain growth in the SME sector through products like loans and deposit accounts. It has a large network of branches, SME offices and ATMs across the country.
Meezan Bank is the first and largest Islamic commercial bank in Pakistan. It has over 550 branches across the country. The document provides details on Meezan Bank's vision, mission, history, leadership structure, products, and financial performance. It outlines the bank's deposit accounts, services, electronic banking options, consumer and business financing products. Charts show trends in deposits, deposits ratio, corporate assets from 2012-2015.
The document provides an overview of Dhaka Bank Limited, a private commercial bank in Bangladesh established in 1995. It discusses the bank's strategy, achievements, and operations over the past year. Some key points include:
- The bank has 87 branches, 3 SME centers, and 1 offshore banking unit with total assets of BDT 176 billion as of 2015.
- Deposits reached BDT 139 billion and loans & advances were BDT 118 billion in 2015, with customer accounts totaling 439,544.
- The bank focuses on customer centricity and diversifies its business across corporate, SME, agriculture, and consumer banking as well as Islamic banking.
- The bank emphasizes financial inclusion,
Faysal Bank is a major commercial bank in Pakistan that was founded in 1987. It has over 265 branches across Pakistan and offers a variety of banking products and services including deposits, loans, credit cards, and Islamic banking. The document provides details on Faysal Bank's history, leadership, products, subsidiaries, and vision to be the top ethical bank in Pakistan.
Internship of 6 to 8 weeks is a part of curriculum of BBA/BBA-Bi affiliated with Pokhara University. After the completion of internship, one has to prepare and submit the report.
This document provides an overview of National Bank of Pakistan (NBP). It discusses NBP's history, nature as Pakistan's largest commercial bank, vision, mission, goals, products, and departments. NBP has over 1310 branches locally and 23 overseas, and aims to be a leader in trust, service quality, and social responsibility through merit-based practices and international standards. The document outlines several of NBP's consumer banking products including savings accounts, home financing, and agricultural lending.
Top 10 Challenges That Every Web Designer Face on A Daily Basis.pptxe-Definers Technology
In today’s fast-moving digital world, building websites is super important for how well a business does online. But, because things keep changing with technology and what people expect, teams who make websites often run into big problems. These problems can slow down their work and stop them from making really good websites. Let us see what the best website designers in Delhi have to say –
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Webroot antivirus helps with online security. Use reliable security software to protect your devices from attacks, providing online security and quiet mind when using technology for business or work.
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An electrical testing lab in Dubai plays a crucial role in ensuring the safety and efficiency of electrical systems across various industries. Equipped with state-of-the-art technology and staffed by experienced professionals, these labs conduct comprehensive tests on electrical components, systems, and installations.
By refining the layout and replacing furnishings, people can more effectively enjoy themselves in their home environment. If you want to enhance the visual appeal of your home, then residential painting services are at your service. We take responsibility for transforming your dull spaces into vibrant ones. This PPT unveils the difference that professional painters make in elevating the look of your home.
Stay updated on Siddhivinayak Temple events and timings in Houston, TX. Join our spiritual and community gatherings. Visit us now! gaurisiddhivinayak.org
How Can I Apply in India (2024) for a US B1/B2 Visa Renewal?usaisofficial
Are your US visas current? Though it will soon expire, I’m not sure what to do. We will assist you in getting a fresh US visa and being protected. The procedures and conditions for renewing a US B1/B2 visa can grab your attention. This blog article will cover everything you need to know regarding the US B1/B2 visa renewal in India in 2024. Alternatively, do you have to show up for an interview? Right now, the US B1/B2 visa waiting period in India is what?
How Live-In Care Benefits Chronic Disease Management.pdfKenWaterhouse
Explore how live-in care can significantly benefit chronic disease management, enhancing the quality of life for those affected and providing peace of mind for their families.
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With just basic internet skills and a stable connection, you can conveniently access Pakistani SIM data, including owner details for 2024. Whether you need to verify phone number details, check SIM information, or access mobile number information online, our platform has you covered. Save time and effort by using our service today!
Sim Tracker – Free Sim Data 2024
Here are the some tools that are free to use like sim tracker, sim database checker , sim owner details , and also vehicle owner details and if you want our premium or paid services then you can contact us on whatsapp.
How to Verify the Number of SIM Cards Registered under your CNIC?
If you want to check how many SIM cards are registered under your name, you can do it easily. Just go to your mobile network provider’s website or app. Look for the feature called “SIM Ownership CNIC Tracker.” Then, type in your CNIC number correctly. After you submit it, the system will show you a list of all the SIM cards registered under your name. It will tell you which ones are active (in use) and which ones are inactive (not in use). Check this list carefully to see if there are any SIM cards you don’t need anymore. If you find any inactive ones, you can remove them to make room for new ones. This is helpful if you’re trying to add a new SIM card but all the slots are full. If you have any questions or problems with the registered SIM cards, you can contact your mobile network provider’s customer support for help.. By doing this, you can manage your SIM cards better and make sure you’re using your slots efficiently.
What information does live tracker provide for CNIC numbers?
SimOwnerDetails.online offers a comprehensive range of NADRA sim owner details for CNIC numbers. This includes the holder’s name, address, and a complete list of mobile numbers registered under the CNIC. Users can access detailed information about each registered SIM, facilitating better management and security of their telecommunications accounts.
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How To Check SIM Owner Name And CNIC Of Any Mobile Number
Thanks to the Pakistan Telecommunication Authority’s (PTA) online verification facilities, obtaining SIM owner information has become much easier. Here’s how to find the CNIC and SIM owner details by number:
Compose an SMS to 667: Open a new message on your SIM card and write “MNP”.
Send the SMS: Send this message to the shortcode 667.
Receive Information: Wait for a reply. A message containing the name of the SIM owner associated with the specific SIM number will be sent to you.
Additionally, you can visit or call your network service provider’s local customer care center to confirm the SIM registration status and owner’s name. This simplified procedure eliminates the need for extensive documentation and offers a convenient way to obtain necessary SIM details in Pakistan.
Check SIM Owner Details With Name Online
In Pakistan, there are various Android apps and software solutions available to check the SIM owner’s name by mobile number online. However, it is important to note that most of these apps have not been approved by the Pakistan Telecommunication Authority (PTA), and their use is not recommended. If you choose to use these apps, proceed with caution. Remember, the current law only permits the registration of five SIMs under one identity.
Always verify the validity of any software or tool you decide to use, as unauthorized access to SIM owner credentials may have legal consequences.
Check Jazz SIM Owner Name Details 2024
To check Jazz SIM owner name and details online, follow these steps:
Open the Messaging App: On your mobile phone, open the messaging app.
Create a New Message: Type “667” in the recipient field.
Write the Message: Type “MNP” in the message body.
Send the Message: Send the message using your Jazz SIM.
Wait for a Response: You will receive a message containing the SIM owner’s name and CNIC number associated with the Jazz SIM you are using.
Terms:
Codes can change at any time. Check the Jazz website if the code above has an error.
For further information, call the Jazz helpline.
You can check the Jazz SIM owner, registered address, and location by calling the helpline.
Check Ufone Sim Owner Name Details 2024.
If you want to Check Ufone SIM Owner Name & Ufone SIM Owner Details online check it by the following steps:
Open the messaging app on your mobile phone.
Create a new message.
In the recipient field, type “667”.
In the message body, type “MNP”.
Send the message through your Ufone SIM.
Wait for a response. You will receive a message containing the SIM owner’s name and CNIC number associated with the Ufone SIM which is in your use.
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The CNIC Information System is a comprehensive database managed by the National Database and Registration Authority (NADRA) of Pakistan. It serves as the primary source of identification for Pakistani citizens and residents, containing vital information such as name, date of birth, address, and biometric data.
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3. YOUTH EDUCATION ACCOUNT 12
SALIENT FEATURES 14
DEBIT & CREDIT CARD 12
TYPES 12
BOP CLASSIC DEBIT CARD 12
BOP GOLD DEBIT CARD 12
BOP PLATINUM DEBIT CARD 12
ATM CARD 12
FEATURES 13
SHOPPING CONVENIENCE 13
GET CASH ANYTIME 13
USING YOUR CARD ABROAD 13
ONLINE SHOPPING AND E-COMMERCE 13
NO LATE FEES OR INTEREST CHARGES 13
EXPENSE TRACKING 13
MOBILE PAYMENT & TOP-UPS 13
UTILITY BILL PAYMENTS 13
FUNCTIONS 15
PRIMARY FUNCTIONS 15
SECONDARY FUNCTIONS 15
CONCLUSION 15
4. HISTORY
The bank was established in 1989, pursuant to The Bank of Punjab Act 1989, and was given the status of a
retail bank in 1994. A wholly owned subsidiary of BOP First Punjab Modaraba (FPM) was established in
1992 and is being managed by Punjab Modaraba Services (Pvt) Ltd.
The Bank of Punjab was founded by Tajammal Hussain and it functions as a scheduled commercial bank,
with a network of over 563 branches in major business centers throughout the country. It is the 7th largest
commercial bank of the Country. It provides a wide range of banking services including deposit in local
currency; client deposit in foreign currency; remittances; and advances to business, trade, industry and
agriculture.
INTRODUCTION
The Bank of Punjab has indeed entered a new era of science to the nation under experience and professional
hands of its management. With a strong company positioning of ‘Passion reborn’ driving us, the
management of the bank has implemented strategies and policies to carve a distinct position in the market
place.
IMPORTANCE
BOP has emerged as on one of the foremost financial institutions in the country, focused on spurring an
economic revival by endeavoring to meet the needs of tomorrow as well as today. The Bank of Punjab plays
a vital role in the national economy through mobilization of hitherto untapped local resources, promoting
savings and providing funds for investments.
The Bank is listed on Karachi, Lahore & Islamabad stock exchanges in Pakistan. The bank offers attractive
rates of profit on all deposits, opening of foreign currency accounts and handling of foreign exchange
business for example imports, exports and remittances, financing, trade and industry for working capital
requirements and money market operations. The lending policy of bank is not only cautious and constructive
but also based on principles of prudent lending with maximum emphasis on security.
5. MISSION STATEMENT
“To exceed the expectations of our stakeholders by leveraging our relationship with the government of
Punjab and delivering a complete range of professional solutions with a focus on program driven products
and services in the agriculture and middle tire markets through a motivated team.”
VISION
“To be customer focused bank with service excellence.”
CORE VALUES
OUR CUSTOMERS
As our first priority
PROFITABILITY
For the prosperity of our stakeholders that allows us to constantly invest, improve and succeed
CORPORATE SOCIAL RESPONSIBILITY
To enrich the lives of community where we operate
RECOGNITION AND REWARD
For the talented and high performing employees
EXCELLENCE
In everything we do
INTEGRITY
In all our dealings
RESPECT
For our customers and each other
6. CORPORATION INFORMATION
BOARD OF DIRECTORS
Dr. Pervez Tahir................................................................................................................................. Chairman
Mr. Mohammad Jehanzeb Khan............................................................................................................ Director
Mr.Hamed Yaqoob Sheikh.................................................................................................................... Director
Dr. Umar Saif......................................................................................................................................... Director
Dr. Muhammad Amjad Saqib................................................................................................................ Director
Khawaja Farooq Saeed........................................................................................................................... Director
Mr. Saeed Anwar................................................................................................................................... Director
Mr. Raza Saeed ................................................................................................................Secretary to the Board
NOTE: The President of Bank of Punjab (BoP), Naeemuddin Khan, has resigned from his post one
month before the expiry of his term, officially announced to resign from his post on November 8th, 2018
with a notice period of one month.
MANAGEMENT
Mr. Khalid Siddiq Tirmizey......................................................................................... President/CEO (Acting)
Mr. Khalid Siddiq Tirmizey........................................................................................................... Deputy CEO
Mr. Nadeem Amir.......................................................................................................... Chief Financial Officer
Sahibzada Rafat Raoof........................................................................ Group Head Special Asset Management
Mr. Taimur Afzal.................................................................................................... Group Head, Retail Finance
Mr. Ahmad Shah Durrani…...................................... Group Head, Retail Banking, SME & Payment Services
Mr. Arslan Muhammad Iqbal................................................................................................ Chief Risk Officer
Mr. Moghis Rafiuddin Bokhari........................................................................ Group Head, Human Resources
Mr. Mustafa Hamdani...................................Group Head, Investment Banking & Wholesale Banking (South)
Mr. Ijaz Ur Rehman Qureshi.........................................................................................Group Head, Operations
Mr. Wasim Majid Malik....................................................................................................................Head Legal
Mr. Khawar Shahid Ansari.........................................................Group Head Treasury & Financial Institutions
Col. (R) Tenwir-ul-Hasan.........................................................................Head, Administrative Support Group
Mr. Asadullah Khan.............................................................................................................Head Audit & RAR
7. BRANCHES
TotalBranches 563
Conventional Branches 490
Islamic Branches 73
ATM ( Onsite / Offsite ) 484
REGISTERED OFFICE
BOP Tower, 10-B, Block-E-II, Main Boulevard, Gulberg-III, Lahore
FINANCIAL POSITION
Non Mark-up/Interest Expenses Rs. 9,067 million (remained same)
Non Mark-up/ Interest Income Rs. 2,855 million (remained same)
Net Interest Margin Rs. 14,053 million (rise of 27%)
Pre-tax profit Rs. 8,851 million (rise of 68%)
Earnings per Share Rs. 2.06 (same)
Deposits Rs. 568.3 billion (increased)
Total Assets Rs. 663.0 billion (increased)
Investments Advances Rs. 202.5 billion (same)
Gross Advances Rs. 416.9 billion (same)
Tier-I Equity Rs. 32.5 billion (increased)
10. PRODUCT & SERVICES
BOP product includes all those services which customer normally required for effectively managing his
business. BOP offers the following financial product and services to its customers:
Retail Banking
Retail Finance
Services
RETAIL BANKING
Customers are always the top priority for Retail Banking, and we offer a range of solution-driven and cost-
effective products and services that cater to all segments of society. We believe in excellence and
innovation. RBG has been striving to capitalize on the right opportunities for a mix of the population; we
provide solutions!
With our strong presence through our wide spread network of 347 conventional branches all over Pakistan,
we offer a wide and innovative range of banking services, with a mix of value added services like
Automated Teller Machines and Virtual Retail Banking, known as Online Banking. To facilitate overseas
Pakistanis, we provide Home Remittances services in all branches.
Deposits, one of the basic functions of commercial banking is to receive deposits. BOP accepts deposits in
both local & foreign currency.
CURRENT DEPOSITS
BOP Tijarat Account
BOP Life Current Account
BOP Salary Plus Account
BOP Youth Education Account
BOP FCY Supreme Current Account
BOP Current Account
BOP Current Direct Pension Credit Accounts
Basic Banking Account
BOP Asaan Current Account
SAVING DEPOSITS
PLS Saving Bank Account
BOP Behtareen Munafa Account
Corporate Premier Account
BOP FCY Supreme Saving Account
BOP Young Lions Saving Account
BOP PLS Direct Pension Credit Account
BOP Asaan Saving Account
11. TERM DEPOSITS
BOP Pahlay Munafa Deposit Scheme
BOP Bonus Munfa Term Deposit
Corporate Premier Term Account
BOP Bai Misaal Term Deposit
RETAIL FINANCE
We at, Retail Finance Division (RDF) are catering the needs of household customer segment by offering
them a diversified consumer product range. These customized solutions are offered at market compatible
rates through our dedicated state of art Consumer Financing Centers (CFCs) located across Pakistan. These
products include everything from cars to houses. Moreover, we are pioneer bank in solar financing.
RFD is also playing active role in supporting GOPb’s vision of providing employment opportunities and
sheltering to masses of Punjab through Yellow Cab, Apna Rozgar Scheme and Ashiana Housing Finance
Schemes.
We are offering the following products:
Advance Salary loan
Auto Financing (CarGar)
Fleet Financing
House Financing
Apna Rozgar Scheme
BOP Solar
Car Lease - CarGar
Apna Ghar House Financing
Advance Salary Personal Loan
BOP Solar
Carvaan Fleet Financing
SERVICES
Services offered by BOP are as following:
Trade processing centre
Collection of cheques
Utility bills
Bop locker
ATM / Debit Card
12. DEBIT CARD
A debit card (also known as a bank card, plastic card or check card) is a plastic payment card that can be
used instead of cash when making purchases. It is similar to a credit card, but unlike a credit card, the money
comes directly from the user's bank account when performing a transaction.
Card products are creating differentiation via introduction of best-of-breed services such as EMV chip based
cards – Meeting International Standard Security against theft and fraud.
TYPES
BOP Classic DebitCard
ATM Withdrawal Limit – PKR 25,000 / day
POS Purchase Limit – PKR 100,000 / day
BOP Gold Debit Card
ATM Withdrawal Limit – PKR 50,000 / day
POS Purchase Limit – PKR 200,000 / day
BOP Platinum Debit Card
ATM Withdrawal Limit – PKR 100,000 / day
POS Purchase Limit – PKR 500,000 / day
ATM CARD
To use your BOP Debit Card as an ATM card, you can use any BOP ATM and ATMs of 1Link, M-Net in
Pakistan. The card can also be used at any MasterCard ATM for withdrawing cash internationally
13. FEATURES
SHOPPING CONVENIENCE
You can use your BOP MasterCard Debit Card instead of cash as it is accepted at approximately 50,000
merchants nationwide and millions of merchants worldwide.
GET CASH ANYTIME
Withdraw cash conveniently at over 260 BOP ATMs along with over 11,000 1LINK ATMs nationwide.
Moreover, enjoy ATM withdrawals overseas at more than a million Mastercard powered ATMs worldwide
USING YOUR CARD ABROAD
Enjoy the ease of paying for purchases when abroad. You can use your Debit Card at millions of places such
as airports, hotels, restaurants, shops and more. Whenever you wish to travel overseas, don't forget to enable
international transactions on your card by speaking to our contact center agent at 111 267 200.
ONLINE SHOPPING AND E-COMMERCE
Truly digitize your shopping experience! Use your debit Card safely and securely on the internet to purchase
items from your favorite online stores across the world. It's rewarding, convenient, and a pampering
experience.
NO LATE FEES OR INTEREST CHARGES
Your BOP Debit Card is linked to your bank account. Whenever you use the card for payment, funds are
directly debited from your account. So you don't have to worry about late fees, bill payments or interest
charges.
EXPENSE TRACKING
Unlike paying through cash, purchases made on your Card will let you track your shopping. Any time you
can see on your bank statement how much you spend on your card.
Mobile Payment & Top-ups
Be it your prepaid or postpaid cellular connection needing instant credit - you can use your Debit Card to do
so at your convenience using BOP ATMs, Mobile Banking, or the Contact Centre.
Utility Bill Payments
Use your BOP Debit Card to pay your utility bills in a hassle free way. This can be done from any BOP
ATMs, or from the convenience of your home using BOP Mobile Banking service or the Contact Centre.
Instant Payment has its virtues!
14. YOUTH EDUCATION ACCOUNT
This is a current chequing account product especially designed for young students studying in schools,
colleges and universities with additional feature of Free of Cost Education Insurance Coverage on
maintaining Minimum Monthly Average Balance of Rs.100,000/-.
SALIENT FEATURES
The product is especially designed for students attending any kind of educational institution.
This is a Nonprofit bearing account.
Students up to age of 30 years will be allowed to open the account in this scheme. If the age of
student is below 18 years, minor/guardian account will be opened and new/normal YEA account will
be opened upon submission of CNIC of the student, as per existing procedure.
Account can only be opened in Minor/Guardian and Student categories. Joint Accounts are not
permitted.
There is no minimum balance limit hence account maintaining charges will not be applicable.
Free of cost ATM/Master Debit Card (issuance & subsequent renewals).
Issuance of free of charges Payment Orders/ Demand Drafts favouring any Educational Institution.
The Student qualifying for education cover must be an account holder for atleast One Calendar
Month.
Student will be provided Insurance cover as long as he/she is less than 30 years of age or his/her
parent/guardian is in the age band of 18-60 years. Frequently Asked Questions
Bank will provide free of cost education insurance cover to student amounting Rs.20,000/- per month
for 24 months in case of Natural Death and Permanent Total Disability of Parent/Guardian (one
person only), whose name has been reported to the bank at the time of account opening.
In case of Accidental Death, the insurance cover will be doubled to Rs.40,000/- per month for 24
months. Terms, conditions & exclusions of insurance company will apply.
Free e-banking facility to view account balance and statement of account is available.
SMS Alert facility is available subject to payment of annual charges as per bank’s schedule of
charges.
Free of Cost Utility Bills Deposit Facility through BOP ATM Network, BOP Phone Banking and
self-service IVR system is available.
15. FUNCTIONS
PRIMARY FUNCTIONS
Acceptance of deposits.
Advancing loans.
Creation of credit.
Clearing of cheques.
Financing foreign trade.
Remittance of funds.
SECONDARY FUNCTIONS
Agency Services.
General Utility Services.
CONCLUSION
Currently Bank of Punjab has a high market share. So we can say that the management of Bank of Punjab is
very loyal to its “Customer Service policy”. The prosperity of the stakeholders allows bank to constantly
invest, improve and succeed. Excellence In everything BOP does, Integrity in all the dealings and respect for
the customers and each other.