MYTLearningTasTaTTrainee UnevenTworkTdistribution TLackTofTstaff OPPORTUNITIES v TElectronicTbanking v TEfficientTstaffTavailableTinTmarketing v

MYTLearningTasTaTTrainee

Employees,TeverybodyTwasTterriblyTengagedTinTtheirTownTactivities,TnobodyTwasThavingTtimeTtoTaccommodateTme.TThisTwasTaTcrucialTtimeTforTmeTtoTgetTtheTattentionTofTNBPTbank?sTmanagementTandTtoTmakeTthemTAfterTjoiningTtheTbankTforTinternshipTinitiallyTitTwasTsoTdifficultTforTmeTtoTgetTtheTattentionTofTtheTrealizeTthatTtheirTvaluableTinformationTisTsoTmuchTnecessaryTforTtheTupTgradationTofTmyTknowledgeTandTforTtheTcompletionTofTtheTtaskTwhichTITwasTassignedTbyTtheTinstitution.TButTveryTsoonTITsucceededTinTmakingTrelationshipTwithTtheTtopTinfluenceTpeopleTandTwithTtheThelpTofTtheseTpeopleTITstartedTpermeatedTinTtheTsystem.TThisTwasTmyTfirstTstepTtowardsTtheTcompletionTofTmyTtaskTandTwithTtheTpassageTofTtimeTtheyTrealizedTthatTtheyTcouldTalsoTutilizeTmyTeffortsTinTaTproductiveTwayTtoTminimizeTheirTburden.TTheyTprovidedTmeTtheirTtimeTandTinformation,TwhichThelpedTmeTtoTenhanceTmyTknowledge,TandTtheyTalsoTsharedTtheirTexperiencesTwithTme,TwhichTITbelieveTthatTitTwouldTbeThelpfulTinTmyTpracticalTlife.TFirstTtwoTweeksTITworkedTinTRemittanceTdepartment,TforTnextTtwoTweeksTITworkedTinTAccountsTdepartmentTandTforTrestTofTtheTtimeTITworkedTwithTBusinessTManagerTwhereTITlearnedTlotTofTthingsTincludingThowTtoTdealTwithTcorporateTcustomers,TwithTindividualTcustomerTandThowTloansTcanTbeTrecoveredTfromTtheTcustomers.TDuringTtheTinternshipTsessionTITgotTtheTchanceTtoTperformTonTdifferentTactivities,TwhichTareTlistedTbelow,TandTshortTexplanationTisTalsoTgiven.

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TAccountTOpening;T

WheneverTaTnewTcustomerTentersTinTtheTbankTwithTtheTintentionTtoTopenTanTaccount,TtheTbankerTisTrequiredTtoTdetermineThis/herTcategoryTaccordingTtoThisTstatusTandTneeds.TNBPThasTfollowingTcategoriesTofTaccounts:

v  IndividualTAccount

v  JointTAccount

v  PartnershipTAccount

v  CompanyTAccounts

v
AccountsTofTtheTWelfare/TSocieties/Clubs/TNGOs

TProcedureTOfTAccountTOpening;

A.TAccountTOpeningTForm;

TheTfirstTstepTinTtheTprocedureTofTopeningTanTaccountTisTtheTfillingTofTAccountTOpeningTform.TAtTNBPTtheTaccountTopeningTformTisTtitledTasTtheTRelationshipTContract.TItTcontainsTallTtheTrequisiteTinformationTneededTtoTopenTandToperateTanTaccountTaccordingTtoTtheTspecifiedTrulesTandTregulations.

ContentsTOfTAccountTOpeningTForm;

TheTfollowingTdetailsTareTrequiredTtoTfurnishTtheTRelationshipTContract.

1.TTitleTOfTAccount:

ItTisTtheTnameTthroughTwhichTtheTcustomerTisTintendedTtoToperateTanTaccount.

2.TAccountTNumber:

ThisTisTtheTserialTnumberTgivenTtoTeachTaccountTnumberTthroughTwhichTanTaccountTis

accessedTwheneverTitTisTneeded.

3.TPersonalTInformation:

AfterTgivingTtheTtitleTtoTtheTaccount,TtheTpersonalTinformationTofTtheTcustomerTisTwrittenTdownTinTtheTAccountTOpeningTform,TlikeTName,TFather?sTname,TMother?sTname,TEmploymentTinformationT(AddressTofTemployer,TNameTofTemployer,TjobTtitle)TinTcaseTofTaTsalariedTperson,TNICT#,TNationality,TResidentialTAddress,TPhoneTnumberTetc.TInTcaseTofTjointTaccountTtheTpersonalTinformationTofTeachTaccount-holderTisTtaken.

4.TNextTofTkin

MentionTNameT&TaddressTofTperson/nextTofTkinTtoTbeTcontactedTforTascertainingTconsumer?sTwhereaboutsTafterTtheTexpiryTofTthreeTyearsTfromTtheTdateTofTlastToperationTinThisTaccount,TtoTinformThim/herTofTtheTexistenceTofThisTaccountTwhenTcustomerTwereTnotTavailableTatTtheTgivenTdate.

5.TAddressTforTtheTcorrespondence

AddressTofTtheTcustomerTisTneededTtoTcontactTtheTcustomer.

6.TCorporateTaccount

InTcaseTofTcompanyTaccountTtheTadditionalTinformationTregardingTtheTaddressTofTthe

HeadTofficeTandTDateTandTPlaceTofTtheTincorporationTisTrequired.

7.TTypeTofTentity

ThatTeitherTtheTapplicantTfallsTunderTtheTcategoryTofTindividual,TsoleTproprietorTorTcompanyTetc.

8.TNatureTofTtheTaccount

e.g.TexampleTcurrentTaccount.

9.TCURRENCYTOFTACCOUNT

CustomerThasTtoTmentionTtheTcurrency,TinTwhichTheTisTgoingTtoToperate.

10.TDetailsTofTtheTterm,TnoticeT&TcallTdeposit

ItTincludesTNo.TofTreceipt,TAmount,TPeriodTofTtheTdeposit.

11.TZakatTdeductionTinstruction

12.TInstructionTforToperationTofTaccount

UnderTthisTheadTtheTapplicantTspecifyTthatThowThe/TsheTwillToperateTtheTaccount.TIf

applicantTisTindividualTthenTheTwillTselectTtheToptionTofT„Single?TbutTinTcaseTofTaTjointTaccountTtheTcustomersThaveTtoTmakeTchoiceTamongTtheToptionsTofTtheT„Joint?Tand

13.TIntroducer?sTdetail

TheTintroducer?sTname,TaccountTno.,Tintroducer?sTsignatureTandTtheTsignatureTandTstampTofTtheTverifyingTofficerTareTalsoTrequiredTtoTfillTinTtheTaccountTopeningTform.

14.TDeclaration

InTtheTendTtheTapplicant(s)TagreeTwithTtheTrulesTandTregulationsTgoverningTtheTaccountToperatingTactivitiesTbyTsigningTtheTRelationshipTContracts.TInTcaseTofTsoleTproprietorTorTcompanyTaccountTtheTstampTofTtheTbusinessTshouldTbeTaffixed.

15.TTermsT&TconditionsTgoverningTtheTaccount

TheTaccountTopeningTformTofTeveryTbankThasTtheTtermsTandTconditionTgoverningTtheTaccountTasTitsTcomplementaryTpartTsoTthatTtheTcustomerTwillTbeTawareTofTallTtheseTtermsTatTtheTtimeTofTenteringTthisTcontract.TTheseTtermsTandTconditionsTshouldTbeTreadTandTsignedTbyTtheTapplicant(s).

TAcceptanceTandTverificationTofTdocuments:

AfterTfillingTtheTRelationshipTcontractTtheTbankTofficerTasksTtheTrequiredTdocumentsTfromTtheTcustomerTasTmentionedTaboveTinTcaseTofTeachTentity.TTheTnecessaryTverificationTisTdone.

1.TVerificationTofTtheTCNIC

AccordingTtoTtheTregulationTofTtheTSBPTnowTtheTbankerTisTresponsibleTtoTverifyTtheTCNICTfromTNADRA.TForTthisTpurposeTtheTcustomerTsignsTanTauthorityTletterTbyTwhichThe/TsheTgivesThimTtheTauthorityTtoTverifyTtheTCNICTthroughTtheTon-lineTCNICTverificationTserviceTofTNADRA.

2.TSignatureTdifferentTfromTCNIC

IfTtheTcustomerTwishesTtoTuseTaTsignatureTtoToperateThisTaccountTwhichTisTdifferentTfromTtheToneTonThisTnationalTidentityTcard,TthenTheTwillTgiveTanTUndertakingTunderTtheTwitnessTofTtheTIntroducer,TthatTheTwillTbeTresponsibleTforTthisTchangeTofTsignature.

3.TSignatureTspecimenTcard

AnTimportantTandTforemostTthingTtoTbeTsignedTbyTaTcustomerTisTtheTSignatureTSpecimenTCardT(SSC).TAfterwardTthisTcardTisTusedTtoTmatchTtheTsignatureTofTtheTcustomerTeveryTtimeTheTorTsheTdealsTwithTtheTbank.TTheToriginalTcardTisTsentTtoTtheTheadTofficeTafterTscanningTitTtoTtheTsystem.

4.TAccountTofTtheTilliterateTperson

InTcaseTofTtheTaccountTofTanTilliterateTpersonTtheTonlyTphotoTaccountTcanTbeTopened.TInTthisTaccountTtheTcustomerThasTtoTcomeTpersonallyTtoTtheTbankTeveryTtimeThe/TsheTwillTdepositTtoTorTwithdrawTfromThis/TherTaccount.TSo,TsomeTadditionalTdocumentsTareTrequiredTtoTobtainTfromTsuchTapplicantTatTtheTtimeTofTopeningTaTphotoTaccountTlikeTtwoTphotographsTofTapplicant(s),ToneTisTputTonTtheTaccountTopeningTformTandTtheTotherToneTisToutTonTtheTsignatureTcard.TAlsoTaTdeclarationTisTsignedTbyTtheTcustomerTinTorderTtoTopenTaTphotoTaccount,TonTwhichTtheTthumbTimpressionTareTtakenTofTtheTcustomer.TThisTisTdoneTunderTtheTwitnessTofTtheTintroducer.

5.TApplicationTforTtheTon-lineTarrangementTfor

Clearing/transfer/cashTtransaction

IfTtheTcustomerTwantsTtoThaveTtheTaccountTtoTbeTon-line,TsoTthatTheTcanTavailTtheTfacilityTofTtheTon-lineTbanking,TthenTheTwillTsignTtheTapplicationTforTtheTuseTofTthisTfacilityTatTtimeTofTopeningTanTaccountTorTatTanyTtimeTlaterTon.

6.TKnowTyourTcustomerT(kyc)

ItTisTaTdocumentTwhichTisTpreparedTunderTtheTspecialTinstructionTofTtheTSBP.TAsTperTSBPTregulationTitTisTveryTimportantTforTtheTbankerTtoTknowThisTcustomerTveryTwell.TThisTformTisTpreparedTbyTtheTaccountTopeningTofficerTaccordingTtoTtheTinformationTgivenTbyTtheTcustomerTtoThim.

TIssuanceTofTchequeTbook:

1.TFirstTtimeTissueTofTtheTchequeTbook

AfterTtheTaccountTisTopened,TtheTcustomerTrequiresTaTchequeTbookTtoTconductToperationTinThisTaccount.TInTorderTtoThaveTaTchequeTbookTtheTaccountTholderTsignsTanTapplicationTtoTissueTaTpersonalizedTorTblankTchequeTbook.

v  PersonalizedTchequeTbook:

ATchequeTbookThavingTtheTaccountTtitleTandTaccountTnumberTprintedTonTitTisTcalledTasTPersonalizedTChequeTBook.TThisTassuresTtheTsafetyTofTtheTchequesTtoTbeTused.

v  BlankTchequeTbook:

ItTisTtheTsimpleTchequeTbookTwithTnoTaccountTtitleTorTaccountTnumberTonTit.

2.TReissuanceTofTchequeTbook

WhenTtwoTorTthreeTleavesTareTleftTinTtheTchequeTbook,TtheTaccountTholderTcanTdemandTforTaTnewTchequeTbook,TsoTcustomerTfillsT”requisitionTslip”TwhichTisTattachedTinTchequeTbookTandTgivesTtoTbankerTandTreceivesTaTnewTchequeTbookTforTcontinuingTtheTaccount.TAnTaccountTholderTcanTalsoTanyTotherTpersonTtoTreceiveTtheTnewTchequeTbookTbyTgivingTtheTauthorityTinTtheTrequisitionTslip.TTheTauthorizedTpersonTshouldTbringTtheTcopyTofTCNICTtoTreceiveTtheTchequeTbook.

3.TLossTofTtheTchequeTbook

InTcaseTtheTchequeTbookTisTlostTbyTtheTcustomerTthenTfirstTstepTtheTcustomerTshouldTtakeTisTtoTstopTtheTpaymentTofTallTtheTcheques.TTheTchargesTforTstoppingTtheTpaymentTareTRs.200/-TperTchequeTorTRs.500/-TforTtheTwholeTchequeTbook.TTheTreportTtheTchequeTnumbersTofTtheTremainingTchequesTatTtheTtimeTofTtheTlost.TTheTofficerTofTthe

NBPTwillTenterTtheseTnumbersTinTtheTsystemTasTstopped.TNowTnobodyTcanTencashTtheseTchequesTallToverTtheTPakistanTatTanyTbranch.

TClosingTofTaccount;

ThereTareTnumberTofTreasons,TwhyTanTaccountTisTclosed.TSomeTofTmostTcommonTreasonsTareTmentionedTbelow:

v  AtTtheTclient?sTownTrequest

v  DeathTofTaccountTholder

v  BankruptcyTofTaccountTholder

v  LiquidationTorTwindingTupTunderTtheTcompaniesTact.

 

TGOVERNMENTTDEPARTMENTT(fewTdays)

GovernmentTDepartmentTisTveryTimportantTsectionTofTtheTBankTbecauseTitTisTresponsibleTforTanyTpenaltyTimposedTbyTSBPTdueTtoTtheTnegligenceT/TnonTcompletionTofTworkT/TbooksTandTbalancing.TAllTofficersTmonitorTallTheadsTofTGovt.TSectionTforTwellTinTtimeTreportingTinTmonthly,Tquarterly,TannualTreturnTtoTcontrollingToffice.

TGovernmentTreceipts:

GovernmentTreceiptsTmeansTcollectionTofTtheTfollowing

v  IncomeTtax

v  PropertyTtax

v  SalesTtax

v  TrafficTchallans

v  CourtTfine

TGovernmentTpayments:

GovernmentTpaymentsTinclude;

1.TSalaryTpayments

2.TPensionTPayments

DepartmentTofTGovernmentTsectionTreceivesTallTtheTprovincialTandTcentralTreceipts.

NBPTmakesTpaymentsTtoTfollowing:

v  Civilian

v  DefenseTcivilianTpensioners

v  RetiredTofficersTofTArmedTforces

v  RetiredTofficersTofTPAFTandTfamilies

v  OthersT(TKRL,TOilTGasTDevelopmentTCorporationT,TPakistanTAeroTETComplexT/

v  PR,TRANGERS)

DocumentsTrequiredTforTtheTpensionTpayments:

v  PensionTpaymentTorder

v  NoTandTdateTofTCNIC

v  TwoTspecimenTsignature,TthumbTandTfingerTimpression

v  PhotographsTofTtheTpensioner

v  PensionTbook

OfficerTentersTthemTinTaTledgerTtoTkeepTpermanentTrecord.

Documentation:

DisburserTportionTofTtheTPPOTisTfiledTinTserialTNoTandTkeptTinTlockTandTkeyTwithTaccountant.TAllTparticularTofTPPOTareTenteredTinTPPOTregister.TTheTfirstTpaymentTisTmadeTtoTpensionerTafterTproperTidentification.TInTcaseTanyTclarificationTstaffTreferredTtheTpensionerTtoTgeneralTaccountantTorTHeadToffice.

 

 

 

SWOTTanalysis

SWOTTanalysis,Tmethod,TorTmodelTisTaTwayTtoTanalyzeTcompetitiveTpositionTofTyourTcompany.TSWOTTanalysisTusesTso-calledTSWOTTmatrixTtoTassessTbothTinternalTandTexternalTaspectsTofTdoingTyourTbusiness.TTheTSWOTTframeworkTisTaTtoolTforTauditingTanTorganizationTandTitsTenvironment.T

SwotTmatrixTincludesTbothTinternalTandTexternalTfactorsT;

 

Ø 
Strengths:TcharacteristicsTofTtheTbusiness,TorTprojectTteamTthatTgiveTitTanTadvantageToverTothers

Ø 
WeaknessesT(orTLimitations):TareTcharacteristicsTthatTplaceTtheTteamTatTaTdisadvantageTrelativeTtoTothers

Ø 
Opportunities:TexternalTchancesTtoTimproveTperformanceT(e.g.TmakeTgreaterTprofits)TinTtheTenvironment

Ø 
Threats:TexternalTelementsTinTtheTenvironmentTthatTcouldTcauseTtroubleTforTtheTbusinessTorTproject.

 

TSwotTanalysisTofTNBP

STRENGTHSTofTNation?sTBank

v  NationalTBankTisTtheTNation?sTBank

v  OldestTinstitution

v  TOutspreadTnetwork

v  TInTTopT5thTbank

v  TAAATcreditTrating

v  ExperienceT&TallTroundTstaff

v  TGovernmentTinstitution

v  TItsTpaid-upTcapitalTisTveryThigh

v  TVeryTlessTuncertaintyTbecauseTofTaTGovt.Tbank

v  TTheTbiggestTcustomerTofTNBPTisTGovt.TofTPakistan

v  TProvideTHighTpackagesTtoTemployees.

v  TProvideThighTstaffTbenefits

v  TWesternTunionTandTexpressTmoneyTtransfer

v  OnTlineTsystem

v  TTransferTofTfundTorTcashTwithTfewTminute

v  TStrongTsecurityTsystem

v  TEfficientTrecordTofTcustomer

v  TAgencyTArrangements

v  TAdvanceTsalaryT&AttractiveTproduct

v  THighTratioTcertificates

WEAKNESSES:

v  LengthyTprocedureTinTnbp

v  PoorTenvironment

v  PoorTimageTinTmindTofTpeople

v  NoTproperTmarketingTeffort

v  LackTofTcoordinationTamongTemployee

v  FavoritismTandTNepotism

v  PoliticalTinterfering

v  PoorTworkingTequipment

v  InTmanyTbranchesTmanagementTisTnotTupTtoTdate.

v  InTsmallTarea?sTbranchesTemployeesThaveTlessTeducation.

v  AwardTandTpromotionTpoliciesTareTnotTimplementedTinTallTbranches.

v  ThereTisTnoTconceptTofTjobTrotation

v  InefficientTcounterTservicesTinTtheTrushThours

v  UnevenTworkTdistribution

TLackTofTstaff

OPPORTUNITIES

v  TElectronicTbanking

v  TEfficientTstaffTavailableTinTmarketing

v  TStartingTofTtheTretailTbankingTinitialTworking.

v  TMarketTpenetrationTavailableTinTlocalTasTwellTasTinTforeignTmarket.

v  TBasicTandTbusinessTequipmentToffersTonTloan

v  TItTcanTintroduceTcomprehensiveTformTofTbound

v  TAwardTforTemployeeTperformance

v  TCorporateTplanningTlearning

THREATS:

v  TCustomerTcomplaint

v  TMajorTcompetitorsToffersTattractiveTproduct

v  T24ThoursTbankingT&ETbanking

v  TLargerTfacilityTofTATMTbyTotherTbank

v  TDenationalizedTcommercialTbank

v  TheThiringTofTuneducatedTpeople

v  TSavingTofTpeopleTdecreasing

 

 

ConclusionTAboutTNation?sTBank

TheTeconomyTofTtheTcountryTisTboomingTandTwithTtheTinvestmentTfavorableTpoliciesTandTtheirTsmoothTimplementation,TtheTroleTofTbanksTinTtoday?sTeconomyThaveTbecomeTanTimportantTone.TTheTbankingTindustryTisTalsoTreapingTtheTfruitsTofTthisTeconomicTboomTbyTgrowingTrapidlyToverTtheTpastTfewTyears.TThereTareTaTnumberTofTmergersThappeningTinTtheTeconomyTwithTforeignTinvestmentsTcomingTintoTtheTbankingTsector.TNBPThasTaimedTtoTbecomeTtheTleadingTbankTofTPakistanTbyTthatTprovidesToutstandingTservicesTtoTitsTcustomers.TTheTbankThasTseenTphenomenalTgrowthTinTtheTpastTyearTbyTopeningTmoreTbranchesTinTtheTcountry,TincreasingTtheTdepositTbase,TwhileTalsoTincreasingTtheTassetsTandTprofitsTofTtheTbank.TTheTservicesTthatTprovidesThaveTaTgreatTmarketTpenetrationTnotTonlyTbecauseTofTtheirTfeaturesTbutTalsoTtheTprofitTandTmarkupTratesTthatTtheyTcharge.TAlsoTtheTproductsTthatTNBPTprovidesTcaterTtoTsectorTofTtheTeconomy.

TheTNationalTBankTofTPakistanTplaysTaTkeyTroleTinTtheTstrategicTnationalTdevelopment.TTheTbankThasThistoricallyTbeenTtheTfinancialTarmTofTtheTgovernmentTandThasTenjoyedTtheTblessingsTofTstateTsupportTinTtheTformTofThugeTpublicTsectorTfundsTandTdeposits.TNationalTBankTofTPakistanTisTtheTsecondTlargestTbankTofTPakistanTbyTallTmeans;TNationalTBankTofTPakistanTisTwidelyTusedTasTanTagentTforTStateTBankTofTPakistanTandTisTalsoTinvolvedTinTcommercialTbanking.TNationalTbankTofTPakistanThasTaTvitalTroleTinTPakistan?sTbankingThistoryTasTwellTasTinTtheTeconomyTofTPakistan,TsoTitThasTaTgreatTsignificance.TAtTpresentTtheTnationalTbankTofTPakistanThasTimprovingTitsTinternalTandTexternalTconditions,TbutTdueTtoTtheTlargest

operationsTinTPakistanT(becauseTthisTisTonlyTbankTwhichTmustTcoverTtheTbackwardTregionsTofTtheTcountryTwhereTnoTanyTotherTcommercialTbankTwantTtoTgo)TitTstillTfacesTmanyTproblems,TTheseTproblemsTareTnewTmarketingTstrategies,TorganizationalTandTmanagementTproblemsTatTtheTbranchesTofTbackwardTregions,TandTmotivation.

ITgotTaTlotTofTexperienceTfromTNationalTBankTduringTmyTinternship.TDuringTInternshipTITcameTtoTknowTthatThowTdifferentTactivitiesTtakeTplaceTinTorganizations,TwhatTareTthe

rulesTandTproceduresTFollowedTinTNationalTBank.TNationalTBankTofTPakistanTisToneTofTtheTleadingTinTtheTPakistan?sTBankingTindustryTwithTalmostT1283TplusTnationalTandT23TbranchesTinTforeignTcountries.TTheTBankTisTstillTgrowingTandTgrowingTonTtheTwayTofTtheTprosperity.TTheTmanagementTisThighlyTqualifiedTandTexperienceTinTitsTfields.TIThadTaTveryTgreatTopportunityTtoTworkTasTinterneeTsoTasTtoTgainTanToverTviewTofTpracticalTlifeTandTworkingTinTindustryTbeforeTenteringTinTpracticalTlife.TPracticalTthingsTandTknowledgeTisTveryTmuchTdifferentTfromTtheTtheoryTandTbookishTknowledge.TIThadTaTveryTgreatTchanceTtoTgainTpracticalTexperienceTandTtoTimplementTmyTbookishTandTtoTveryTrefineTtheoreticalTknowledgeTinTpracticalTthings.TFurthermore,TasTtheTbankTisTgrowing,TtheTnumberTofTemployeesTatTNBPTareTincreasing,TwhichTshowsTthatTNBPTisTbeingTconsideredTasTanTemployer,TthatTprovidesTitsTemployeesTwithTaTchallengingTenvironmentTtoTworkTin,TwhereTtheyTcanTharnessTtheirTfullTpotentialTandTshowsTconfidenceTasTanTemployerTbyTtheTemployeesTofTtheTbank.TLastlyTtoTbecomeTtheTleadingTbankTofTPakistan,TNBPThasTtoTbenchmarkTitsTservicesTtoTitsTmajorTcompetitorsTinTtheTindustryTorTtheTmarketTleaderTinTtheTindustryTandTprovideTaTcontinuousTmeanTofTimprovementTinTitsTexistingTproductsTandTservices,TwhileTintroducingTnewTonesTtoTtheTindustry

FindingsTandTRecommendations

NBPTisTanTeffectivelyToperatingTandTprofitTmakingTorganizationTandTcarryingToutTitsTactivitiesTunderTaTspecifiedTsystemTofTprocedure.TTheTmainTregulatoryTbodyTisTStateTBankTofTPakistan,TwhichTprovidesTpolicyTguidelinesTandTensuresTthatTtheTmoneyTmarketToperatesTonTsoundTprofessionalTbasis.TTheTheadTofficeTspecifiesTtheTwholeTprocedureTofTfunctionTandToperations.TThisTprocedureThasTbeenTmodernizedTwithTtheTpassageTofTtimeTwithTaTviewTtoTstreamlineTtheTapproachTandTunderlyingTprocedureTforTeffectiveToverhaulingTofTitsTownTcapabilitiesTsoTasTtoTbringTthemTatTparTwithTinternationalTpractices.THereTITamTgivingTsomeTrecommendations,TwhichTinTmyTviewTcanTaddTsomeTinputTforTefficiencyTandTbetterTperformanceTofTNBPTasTanTorganizationTinTgeneralTandTNBP

MainTBranchTskarduTinTparticular.TTheTrecommendationsTareTasTfollows:

Ø TTrainingTofTitsTemployees

TheTbankTshouldTimproveTtheTqualityTofTtrainingTofTitsTemployeesTandTtheTintegrity,TcontrolsTandTefficiencyTofTitsTsystems,TprocessesTandTfinancialTreporting.

Ø TJobTRotation

ThereTshouldTbeTJobTrotationTofTemployees,TsoTthatTtheyTshouldTknowTaboutTallTdepartments.TThisTwillTenhanceTtheTcapabilitiesTofTtheTemployees,TasTdueTtoTchangeTinTworkTtheyTwillTescapeTmonotony.TThisTwillTrefreshTandTmotivateTemployees.

Ø TEqualTDistributionTofTWorkload

TheTemployeesTofTtheTbranchTshouldTbeTgivenTequalTworkload..TNobodyTshouldTbeTgivenTundueTrelaxation.TTheTpersonalTcontactsTofTsomeTofTtheTemployeesTshouldTnotTspoilTtheTenvironmentTofTtheTbranch

Ø TITTcapability

TheTBankTshouldTimproveTITTcapabilityTinTtheTanalyticalTareasTandTtoTdevelopTaTmediumTtermTstrategyTforTbankingTandTmarketToperations.

Ø TMicroTFinance

TheTbankTshouldTprovideTsupportTtoTtheTMicro,TSmallTandTMediumTenterprisesTtherebyTreducingTunemploymentTandThelpingTtoTcreateTaTmoreTequitableTdistributionTofTwealth.

Ø TModernTBanking

TheTNBPTshouldTadoptTmodernTbankingTtoolsTandTtechniques.TQualityTleadership,TclearTvision,TinvestmentTinTITTinfrastructureTandThumanTresourceTdevelopment.

Ø TImproveTproduct

NBP,TbeingTtheTonlyTlendingTarmTtoTtheTgovernmentTforTpublicTsectorTdevelopmentTshouldTdesign,TdevelopTandTdeliverTproductTandTservicesTforTeconomicTgrowth

Ø TProperTPlanning

BankTshouldTmakeTaTplanTtoTgearTupTitsTrecoveryTeffortsTonTwarTfootingTandTreorganizeTtheTrecoveryTfunctionTofTglobalTbases.TInTaddition,TbankTshouldTtightenTupTcontrolTonTexpenditure

Ø TSupervision

TheTNationalTBankTofTPakistanTshouldTintroduceTaTframeworkTforTconsolidatedTsupervisionTandTreorganizeTtheTregulatoryTarchitectureTtoTallowTbetterTregulationTandTsupervisionTofTfinancialTcontrolTdivisionTofTbank.

Ø TAdoptionTOFTAdvertising

BankTshouldTlaunchTadvertisingTcampaignsTthroughToutTtheTyearTtoTpromoteTtheThabitsTofTsavingsTinTtheTpeople.TBankTshouldTopenTmoreTbranchesTinTtheTremoteTareasTofTtheTcountryTtoTgetTdepositsTandTidleTresources.

Ø TRankTInfluenceTShouldTBeTAvoided

SometimesThighTrankTofficersTcomeTandTwantTthemselvesTtoTbeTgivenTpriority.TInTtheseTcasesTbankTshouldTstrictlyTfollowTtheTruleTofT„firstTcomeTfirstTserve?.TThisTwillTmaintainTtheTtrustTofTotherTcustomersTthatTtheyTareTnotTneglectedTjustTbecauseTtheyThaveTnoTrank.

Ø TConsumerTsatisfaction

TheTNationalTbankTofTPakistanThasTtoTimproveTservicesTprovidedTtoTtheTpensionersTandTalsoTtheyThaveTtoTadoptTscientificTmethodsTofTpayingTutilityTbills.TIfTtheTconsumersTareTsatisfiedTfromTtheTserviceTtheyTwillTexpandThisTbusinessTwithTtheTbank.