information system of nbp
DESCRIPTION
TRANSCRIPT
SS
SUBJECT: INFORMATION SYSTEM
PRESENTED TO : SIR CH. NEMAT ULLAH
SEMESTER: 5TH SEMESTER
UNIVERSITY OF GUJRAT
PRESENTATED BY:
USMAN MUKHTAR
ROLL NO 125 / 046
SHAIKH QASIM ZAMAN SAHNI
ROLL NO 149 / 150
INTRODUCTION:National Bank of Pakistan is the largest commercial bank operating in Pakistan
The bank is engaged in providing commercial banking and related services in Pakistan and overseas.
The Bank's services are available to individuals, corporate entities and government.
its business portfolio is a major lead player in the debt equity market, corporate investment banking, retail and consumer banking, agricultural financing, treasury services
NBP headquarters in Karachi, Pakistan with over 1,254 branches country wide.
Participating in "World Bank" and "Asian Development Bank's" lines of credit.
VISION:"To be recognized as a leader and a brand synonymous with trust, highest standards of service quality, international best practices and social responsibility."
MISSION:NBP will aspire to the values that make NBP truly the Nation’s Bank, by:Institutionalizing a merit and performance culture. Creating a distinctive brand identity by providing the highest standards of services Adopting the best international management practices.
GOALS: To enhance profitability and maximization of NBP share through increasing leverage of existing customer base and diversified range of products.
Excellence in Direction Excellence in Growth Excellence in Performance Excellence in Management Excellence in Achievement
OVER VIEW OF THE ORGANIZATION:
CORPORATE & INVESTMENT BANKING GROUP
CORPORATE & INVESTMENT BANKING GROUP
CREDIT MANAGEMEN
T GROUP
CREDIT MANAGEMEN
T GROUP
AUDIT & INSPECTION GROUP
AUDIT & INSPECTION GROUP
COMPLIANCE GROUP
COMPLIANCE GROUP
PRESIDENT’S
SECRETARIAT
PRESIDENT’S
SECRETARIAT
BOARD OF DIRECTORBOARD OF DIRECTOR
HRM & ADMINSTRATIO
N GROUP
HRM & ADMINSTRATIO
N GROUP
OPERATION GROUP
OPERATION GROUP
COMMERCIAL & RETAIL BANKING GROUP
COMMERCIAL & RETAIL BANKING GROUP
TREASURY MANGEMEN
T GROUP
TREASURY MANGEMEN
T GROUP
SPECIAL ASSET
MANAGEMENT GROUP
SPECIAL ASSET
MANAGEMENT GROUP
Overseas Management
Group
Overseas Management
GroupI.T. GROUPI.T. GROUP
SECRETARY BOARD OF DIRECTOR
SECRETARY BOARD OF DIRECTOR
CHAIRMAN & PRESIDENT
ORGANIZATIONAL STRUCTURE:
ORGANIZATIONAL NETWORK:BRANCH NETWORK:-10 Groups headed by SEVPs/EVPs. 9 Regions reporting to as many Regional Chiefs and 15 Single Branch Zones headed by Zonal Chiefs; 12 corporate branches and 1,254 domestic branches headed by Branch Managers control its field operations.
GLOBAL NETWORK:- 18 Oversea Branches5 Representative Offices1 overseas Subsidiaries Joint Venture.
DOMESTIC NETWORK:-1254 Domestic Branches6 domestic Subsidiaries 29 domestic regional offices DOMESTIC SUBSDIARIES:NBP Capital Ltd.Taurus Securities Ltd.NBP Exchange Company LtdNational Agricultural and Storage company Ltd.Cast – N- Link Products Ltd
DEPARTMENTALIZATION:
COMMERCIAL & RETAILING
DEPARTMENT
COMMERCIAL & RETAILING
DEPARTMENT
ACCOUNTS DEPARTMENT
ACCOUNTS DEPARTMENT
GOVERNMENT DEPARTMENT
GOVERNMENT DEPARTMENT
FOREIGN EXCHANGE DEPARTMENT
FOREIGN EXCHANGE DEPARTMENT
CREDIT AND ADVANCE DEPARTMENT
CREDIT AND ADVANCE DEPARTMENTGENERAL BANKING
DEPARTMENTGENERAL BANKING
DEPARTMENT
NBP DEPARTMENTS
1. GENERAL BANKING DEPARTMENT:
General banking involves the following sections:
•Deposit Section•Accounts Opening Section•Cash dealing Section•Clearance Section•Remittance Section•Lockers Handling Section
1 DEPOSIT SECTION:-DEPOSITDEPOSIT
Checking DEPOSIT Accounts
Non-Checking Accounts
PLS Saving Account
PLS TDR’s
Current Deposit Accounts
NIDA
Special Notice Deposit
Accounts
Foreign Currency Accounts
There are two broad categories of deposits. These are1. Time deposit 2. Demand deposit
TYPES OF ACCOUNT/ DEPOSIT:-Following types of accounts are open in NBP•Current or demand account •Saving account •Fixed account•Call Deposit Accounts •Foreign Currency Accounts
2 ACCOUNT OPENING SECTION:- This section performs the following functions:•Opening of Accounts•Issuance of cheque books•Closing of accounts
3 LOCKER SERVICE SECTION:- There are four types of locker depending upon the size of lockers operate in banks.•Small size locker •Medium size locker •Large size locker •Extra large size locker
4 CASH DEALING SERVICES:-
•Cash receipts for receive deposits.•Cash payment for encashment of cheques.
5 CLEARING SECTION:-
•Local Clearing, •Short Credit Service, •Local Short Credit and •Inter City
CLEARING PROCESS:
•Inward Clearing.•Outward Clearing .
6 REMITTANCE SECTION:-
•Pay Order. •Mail Transfer .•Demand Draft.•Telegraphic Transfer.
2. ADVANCE DEPARTMENT:
TYPES OF ADVANCES:DEMAND FINANCE:CASH FINANCE:RUNNING FINANCE:LOANS:
TYPES OF LOAN:The credit department of NBP has providing the following types of loans•Short term loans •Long term loans •Working capital loan•Syndicate (project) loan
3. ACCOUNTS DEPARTMENT: The main function of account department of NBP is to maintain general ledger accounts and after the business hours the function of the account officer is to close books.
1) ROUTING OF EXPENSE VOUCHERS:-
VOUCHER SYSTEM: Voucher is a system, which is generally designed to provide strong internal control over the transaction, In bank two vouchers are used DEBIT VOUCHER CREDIT VOUCHER
2. PREPARATION OF DAILY ACTIVITY REPORTS:-
The main function of this department is to check daily transactions whether cash, transfer of payments, billing, and clearing of all the departments. It includes the details of the following:•Loan transactions.•general ledger transactions•Foreign currency related transactions.•Fixed deposits transactions. 3. PREPARATION OF WEEKLY AND MONTHLY STATEMENTS:
Second major function of accounts department is the preparation of various statements. These statements are:A. WEEKLY STATEMENTSB. MONTHLY STATEMENTS
4. PREPARATION OF TAX PURPOSE STATEMENTS:
The department also prepares two statements for the purpose of paying tax on monthly and annual basis.
1. IMPORT AND EXPORT:-
National bank acts as an intermediary in the exports and imports between the two parties.. There are four major types of contracts or term of payment that are being used in the trade.
OPEN ACCOUNT:
ADVANCE PAYMENT: COLLECTION: LETTER OF CREDIT:
2. FOREIGN REMITTANCE:It includes local and foreign currency fund transfer. NBP also provide the facility to its customers in remitting funds from one place to another place. At present bank provides the following instrument that facilitates the transfer of funds.
•TT ( telegraphic Transfer)• DD (Demand Draft)• PO (Pay Order)
STRENGTH:•NBP one of the largest financial institutions of Pakistan with eight million of customer•NBP has 1254 branches located all over Pakistan. And 23 international locations including the USA, United Kingdom, Europe and the Far East.•It acts as an agent of the Central Bank wherever the State Bank does not have its own Branch.•Performing social responsibilities and claiming “The Nation’s Bank”•Earning commission from SBP on Government transaction•Leading bank in agriculture financing amongst commercial banks with the market share of 15%
OPPORTUNITIES:•Being a Government Bank NBP having wide scope in economic market.•Its vast network of domestic and overseas branches can help to expand business.•Bank’s deposit is increasing rapidly so there is a great opportunity to enhance its investment and financing.•Being an agent of State Bank of Pakistan it can play vital role in local economy.•Amongst highest bank is Asia, NBP further expand its services proudest and earn more profit. •The bank is reshaping its portfolios by investing into higher area of growth
WEAKNESSES:•Lowest Internal Control and Compliance System, SBP rated “Marginal” which is alarming for the Bank.•Unsatisfactory corporate culture of the Bank.•Less number of Online Branches.•Ineffectively use of technologies i.e. Information technology•Shortage of staff- per employee customer is very high side•Technical education and training of staff is insufficient The workload in NBP is not evenly distributed
THREATS:•SBP penalties due to low internal control and compliance.•Government, SBP and Prudential Rules and Regulations.•Schedule banks and Multinational/International bank’s profit rates.•Its staff switching over to other private banks due to more facilities.•Other bank’s charming atmosphere and relaxation in documentation.•NBP staff code of ethics and practices.•High number of complaints regarding staff behavior.•Payments and FBR Collections create heavy workload.
CONTINUOUS IMPROVEMENT System folllows the continuous improvement
theory, improvement with the time in all the working departments
Technology acceptance model Technology acceptance model used by the
bank for the continuous improvement, its means how user come to accept and use a technology. Types of technology acceptance model use in NBP
Diffusion model Iffusion model The best example for technology acceptance
model is the ATM machine.
SOFTWARE USES IN NBP
Sql ,MY SQL,ORACLE AND LINUX
Software used in NATIONAL BANK OF PAKISTAN SQL MY SQL ORACLE LINUX
SQL Structural query
language is a software which is used to store data in form table also called relation database model ,most of banks are also use sql due to more accuracy and easy tu its access.
Micro soft office 2007 M S word M S power point M S accessOperating systems in NBPo Lunix o Ubuntoo Window Xp professional
SOFTWARE USES IN NBP CONTD.
HARDWARE USED IN NBP
HARDWARE used in NATIONAL BANK OF PAKISTAN Micros system IBM TRANSmeta intel
Hardware according to the display result are;
Monitor Lcd’s Printer & plotter Also router,
switches and power cables are used in NBP.
INPUT DEVICES Input devices used by the national bank of
pakistan are; Mouse Keyboard microCam Magnetic strip card Scanners Digital cemerasand joysticks
Web services used by the NBPThe most frequently used web services are
soap, wsdl and uddi etc.
ROLE OF INTERNET IN THE BANK
Internet is like the backbone of the national bank of Pakistan ,because fastest communication between the branches are facilitates more comfortably the customers of the bank. The national bank uses the digital subscriber line (dsl) for the internet services
So the internet used by the bank are Digital subscriber line (DSL) Asymmetric dsl Symmetric dsl
CHANNEL USE BY THE BANK For the most fast and accurate result national bank of
Pakistan uses the full duplex communication channel, its means data can receive and send at the same time period.
Communication media o National bank of Pakistan uses the both com.
Mediums o Wireless (communication over the internet
through radio signals) for this purpose bank uses the dsl , routers ect.
o Guided media ( communication in the branch through the networking of wires) for this purpose bank uses fiber optic, power cables etc.
SOME FEATURES OF SYSTEM IN BANK
Accurate Secure Timly Accessible Affectively Efficiency
CONCLUSION:
The primary objective of NBP was to purchase jute from the growers in the former East Pakistan and also to perform the commercial banking functions in the country.
The strength of this bank is that it is acting as Agent of State Bank of Pakistan, providing Agency Arrangements for different government organizations include WAPDA and PIA, Profitability and a vide coverage throughout Pakistan.
The challenge it is facing is currently the lack of implementation of rules and regulations that may lead to weak organizational culture, old organizational culture, no regular promotions practices and not much use of IT technology in bank as other are using.
As analysis shows that NBP is a most growing organization with highest return on capital, largest market share amongst all Pakistani banks and cost to income ratio is the highest in banking sector. But there is further need for improvement to overcome weaknesses and to maintain its position as an “Asian Tiger” in banking field.
System development is based on the continuous development
Technology acceptance model is used for the better development
DSL used in the bank for the internet services Full duplex channel of communication Both guided and unguided medium are used
for data transfer Web services which are used soap, wsdl and
uddi.