Professional Documents
Culture Documents
Dbms NBP Project Report
Dbms NBP Project Report
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TABLE OF CONTENTS
PAGE NO
History
Feasibility study
Acknolegment
Preface
Banks Profile
11
Over View
12
SDLC
14
SQL
16
DFD
17
E-R DIAGRAM
21
Database specification
26
SWOT Analysis
29
Organizational Structure
34
Branch Hierarchy
41
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42
Recommendation
43
Conclusion
46
47
Electronic References
48
INTRODUCTION
During the past several decades personnel function has been transformed from a
relatively obscure record keeping staff to central and top level management function.
There are many factors that have influenced this transformation like technological
advances, professionalism, and general recognition of human beings as most
important resources.
A computer based management system is designed to handle all the primary
information required to calculate monthly statements of customer account which
include monthly statement of any month. Separate database is maintained to handle
all the details required for the correct statement calculation and generation.
This project intends to introduce more user friendliness in the various activities such
as record updation, maintenance, and searching. The searching of record has been
made quite simple as all the details of the customer can be obtained by simply keying
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HISTORY
National Bank of Pakistan (NBP) was established under the National Bank of
PakistanOrdinance 1949 and was 100% govt.-owned. NBP acted as an agent of the
Central Bank wherever the State Bank did not have its own Branch.
It also undertook Government Treasuryoperations. Its first branches were in jute
growing areas in East Pakistan. Offices in Karachi andLahore followed
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2001 State Bank of Pakistan and Bank of England agree to allow only 2
(est. 1991).
Pakistani banks tooperate in the UK. NBP and United Bank agreed to merge
their operations to form PakistanInternational Bank, of which NBP would own
45% and United Bank 55%. Also that year, NBPclosed its branch in New
York.
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NATURE OF BUSINESS
National Bank of Pakistan was established under the National Bank of Pakistan
Ordinance, 1949and is listed on all the stock exchanges in Pakistan. It is registered
and head office is situated atI.I.Chundrigar Road, Karachi. The bank is engaged in
providing commercial banking and relatedservices in Pakistan and overseas.
Organization Structure of the National Bank of Pakistan
Main Offices
Main Offices of the National Bank of Pakistan are of three types
Head Office
Regional Offices
Branch Office
Regional Offices 29
Branches 1254
Subsidiaries 4
Overseas Network
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Overseas Branches 22
Representative Offices 4
Subsidiary 2
Joint Venture 1
A:
All praise to Allah, the most merciful, kind and beneficent, and the source of
all knowledge, wisdom within and beyond my comprehension. He is the only
God, who can help us in every field of life. All respect and possible tributes
goes to my Holy Prophet Mohammad (SAW), who is forever guidance and
knowledge for all human beings on this earth.
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I am proud to say that I am very grateful to my family whose kind prayers and
cooperation helped me at every step of my work. Special thanks go to my parents for
their cooperation for the sake of my knowledge.
In the end thanks are due to one of my friend Mr. Zafar Khalid for his cooperative
attitude during the completion of my project work. He helped and supported me
during gathering and analyzing information.
TALHA SADIQ
ABDULLAH SHAHID
ADIL TARIQ
BS(Hons.)
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P:
During this eight weeks long practical glimpse the theories and ideas which we
received from the books have been women in the texture of our actual life. No doubt,
it has helped us in cultivating the qualities of courage, hope, initiatives and capacity to
turn our knowledge to practical purpose.
Banking sector owes a pivotal importance in the economy of any country through its
vibrant functions. This is the deep seated motivator that geared up me to join any bank
for internship.
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10
National Bank of Pakistan (NBP) was established in 1949 under the National Bank of
Pakistan Ordinance 1949 and was 100% government owned. NBP acted as an agent
of the Central Bank wherever the State Bank did not have its own Branch. It also
undertook Government Treasury operations. Inside the bank, in branch banking it has
Clearing and Collection Department, Government Receipts Processing Department,
Account Opening Department, Remittance Department, Customer Services
Department Cash Department, Deposit Department, Advances and Credit Department.
These are the most common departments exist in almost each branch. It is offering
different deposit choices, advances, credits and securities etc for its customers through
its corporate branches.
Yet there are many possible improvements, which we can be made and that can bring
positive changes in the system. There is shortage of employees in the organization.
With development of online banking system the load of work can be decreased. All
the staffs do not know about computer. There is almost one or two employees are
trained to operate the system in every branch. Especially, the cash department is not
familiar with computer and information system. It is not easy for it to implement a
new system immediately it takes a lot of time to replace systems. Once implemented
its testing takes more time. So it is important for the Bank to develop a research
department for redesigning the operations of the Bank
HASSAN ALI
BILAL FAROOQ
BS(Hons.)
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11
Bank's Profile:
THE
NATIONS'S BANK
Type
Government
KSE:
LSE
Established
1949
Headquarter
Key People
Industry
Products
Deposit
624938 Million
Net income
15459 Million
Total Assets
817758 Million
Number of Employees
15204
Number of Branches
1276
Home page
www.nbp.com.pk
.
OVERVIEW OF THE ORGANIZATION:
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 Nations Bank, by :
Excellence in Direction
Excellence in Growth
Excellence in Performance
Excellence in Management
Excellence in Achievement
A computer based management system is designed to handle all the primary information
required to calculate monthly statements of customer account which include monthly
statement of any month. Separate database is maintained to handle all the details required for
the correct statement calculation and generation.
This project intends to introduce more user friendliness in the various activities such as
record updation, maintenance, and searching. The searching of record has been made quite
simple as all the details of the customer can be obtained by simply keying in the identification
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or account number of that customer. Similarly, record maintenance and updation can also be
accomplished by using the account number with all the details being automatically generated.
These details are also being promptly automatically updated in the master file thus keeping
the record absolutely up-to-date.
The main objective of our project is providing the different typed of customers facility, the
main objective of this system is to find out the actual customer service. Etc.
It should increase the productivity of bank by utilizing the working hours more and
more, with minimum manpower.
This project includes the entire upgraded feature required for the computerization banking
system. This system is very easy to use, so that any user can use without getting preknowledge about this. Its very much user friendly and meet almost all daily working process
requirements. This system is completely GUI based and can be use by mouse and as well as
keyboard. This system is melded in such a way that has got all features to upgrade without
making much change in existing components.
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A system development life cycle is a logical process by which system analysts, software
engineers, programmers, and end users build information systems and computer applications
to solve business problems and needs.
The major phases involved in the MIS development process are referred to as system
development life cycle. Each phase of the development process must have well defined
objectives ,and at the end of each phase ,progress towards meeting the objectives must be
evaluated.
The development process should not continue until the objectives of all prior phases have
been met.
System development life cycle is a phased approach to analysis and design to ensure that
systems are best developed.
The system development life cycle can be divided into seven phases as shown in fig
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SQL is an ANSI (American National Standards Institute) standard computer language for
accessing and manipulating database systems. SQL statements are used to retrieve and
update data in a database. SQL works with database programs like MS Access, DB2,
Informix, MS SQL Server, Oracle, Sybase, etc.
Unfortunately, there are many different versions of the SQL language, but to be in
compliance with the ANSI standard; they must support the same major keywords in a
similar manner (such as SELECT, UPDATE, DELETE, INSERT, WHERE, and others).
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SQL Database Tables: A database most often contains one or more tables. Each table is identified by a name (e.g.
"Customers" or "Orders"). Tables contain records (rows) with data.
Below is an example of a table called "Persons": Last Name
First Name
Address
City
Hansen
Ola
Timoteivn 10
Sandnes
Svendson
Tove
Borgvn 23
Sandnes
Pettersen
Kari
Storgt 20
Stavanger
The table above contains three records (one for each person) and four columns (Last
Name, First Name, Address, and City).
SQL Queries: With SQL, we can query a database and have a result set returned.
A query like this: SELECT Last Name FROM Persons
Gives a result set like this: Last Name
Hansen
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Svendson
Petersen
SQL Data Manipulation Language (DML)
SQL (Structured Query Language) is syntax for executing queries. But the SQL language
also includes syntax to update, insert, and delete records.
These query and update commands together form the Data Manipulation Language
(DML) part of SQL: SELECT - extracts data from a database table
UPDATE - updates data in a database table
DELETE - deletes data from a database table
INSERT INTO - inserts new data into a database table
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DATA FLOW DIAGRAM: -The data flow diagram is also known as bubble chart
has the purpose of clarifying system requirements and identifying major
transformations that will become programs in system design so it is the starting point
of specification down to the lowest level of detail. A DFDs consists of a series if
bubbles joined by lines. The bubbles represent data transformation and the lines
represent the data flow in the system.
DFD SYMBOLS:
A system defined a source or destination of data.
An arrow identifies data flow, data in motion.
A circle represents the process that transforms incoming data flow to outgoing
data flow.
An open rectangular is data store-data at rest or a temporary repository of data.
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TRANSACTIONS
BANKING
DATABASE
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ACCOUNT
HOLDERS
E-R DIAGRAM:
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Entities are the "things" for which we want to store information. An entity is a person,
place, thing or event.
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ERDs show entities in a database and relationships between tables within that database. It is
essential to have ER-Diagrams if you want to create a good database design. The diagrams
help focus on how the database actually works.
Entity (Instance)
An instance of a physical object in the real world.
Entity Class
: Group of objects of the same type.
Multiple
: Attribute with a set of possible values for the same
entity, e.g. Phone (home, mobile etc.) or email
Key
: Uniquely Ids the Entity e.g. PPSN, Chassis No.
Each simple attribute associated with a VS that may be assigned to that attribute for each
individual entity,
e.g. age = integer
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DATABASE SPECIFICATIONS
Field Name
Type
Constraints
Account_No
Int
Primary Key
Branch_No
Varchar(7)
References Branch_Info(Branch_No)
Branch_Name
VARCHAR(50)
Not Null
Account_H_Type
Varchar(15)
Not Null
No_Account_H
Varchar(5)
Not Null
Saluation_F
Varchar(5)
Not Null
Name_P_O_F
Varchar(50)
Not Null
Fa_Name_F
Varchar(50)
Not Null
Gender_F
Varchar(6)
Not Null
DOB_F
DateTime
Not Null
Age_F
Varchar(3)
Occupation_F
Varchar(15)
Not Null
Photo_F
Image
Not Null
Sign_F
Image
Not Null
Address_F
Varchar(100)
Not Null
Ph_No_F
Varchar(11)
Not Null
Mob_No_F
Varchar(14)
Not Null
Saluation_S
Varchar(5)
Name_P_O_S
Varchar(50)
Fa_Name_S
Varchar(50)
Gender_S
Varchar(6)
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DOB_S
DateTime
Age_S
Varchar(3)
Occupation_S
Varchar(15)
Photo_S
Image
Sign_S
Image
Address_S
Varchar(100)
Ph_No_S
Varchar(11)
Mob_No_S
Varchar(14)
Saluation_T
Varchar(5)
Name_P_O_T
Varchar(50)
Fa_Name_T
Varchar(50)
Gender_T
Varchar(6)
DOB_T
DateTime
Age_T
Varchar(3)
Occupation_T
Varchar(15)
Photo_T
Image
Sign_T
Image
Address_T
Varchar(100)
Ph_No_T
Varchar(11)
Mob_No_T
Varchar(14)
Account_Type
Varchar(25)
Not Null
Witness_Name
Varchar(50)
Not Null
Witness_Sign
Image
Not Null
Nominee_Rel
Varchar(10)
Not Null
Nominee_Name
Varchar(50)
Not Null
Nominee_Sign
Image
Not Null
Opening_Bal
Varchar(10)
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Not Null
SOWT ANALYSIS:
SWOT analysis is an acronym that stands for strengths, weakness, opportunities, and threats
well as its environment opportunities and threats. In SWOT analysis the best strategies
accomplish an organizations mission by:
Exploiting an organizations opportunities and strength
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Neutralizing it threats
Avoiding or correcting its weakness
SWOT analysis is one of the most important steps in formulating strategy using the
organization mission as a context, managers assess internal strengths distinctive competencies
and weakness and external opportunities and threats. The goal is to then develop good
strategies and exploit opportunities and strengths neutralize threats and avoid weaknesses.
STRENGHTS
NBP one of the largest financial institutions of Pakistan with eight million of customer
base NBP holds 24.6% share of time and demand deposits in the country. Local currency
deposits comprise 67% of bank's total deposits while foreign currency deposits account
for the rest.
NBP has an extensive domestic branch network of 1254 branches located all over
Pakistan. The Bank also has a presence in 23 international locations including the USA,
United Kingdom, Europe and the Far East.
NBP's total assets stood at Pak Rs.370 billion on December 2008. This included total
earning assets of about Pak Rs.268 billion with gross loan portfolio of Pak Rs.140 billion.
The bank also has an investment portfolio of Pak Rs.91 billion, which comprises treasury
securities, corporate bonds, shares and other securities.
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NBP cash provision as percentage of non performing loans equal to 60% this coverage
factor for the non performing loans is the highest amongst the nationalized commercial
bank.
NBP is working as right arm government of Pakistan as it is responsible for all claims of
government for recovery as well as payment. All depositor of NBP are in relief that their
money security is guaranteed by government of Pakistan.
It acts as an agent of the Central Bank wherever the State Bank does not have its own
Branch.
The working condition in the NBP branch here is very conductive and favorable for better
output. The informal environment affects the performance of the employees in a positive
way.
Disbursing Salaries and Pensions to the Government employees and earning high profit
on NBP-Advance Salary Loan Scheme
Holds largest deposit base in the market share in terms of number of accounts
Leading bank in agriculture financing amongst commercial banks with the market share
of 15%
Helping in earning of foreign exchange, remittances and leading agent of Western Union
Money Transfer NBP has decided to diversify the fund base by investing in capital
markets not only in Pakistan but also in the foreign countries.
WEAKNESSES
Lowest Internal Control and Compliance System, SBP rated Marginal which is
alarming for the Bank.
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Physical environment and atmosphere compare to other banks is not meet the standard
Technical education and training of staff is insufficien The workload in NBP is not evenly
distributed and the workload tends to be more on some employees while others abscond
away from their responsibilities, which server as a demotivation factor for employees
performing above average work.
In NBP the individual difference have strong impact on the organizations performance
due to the wrong criteria of selection of the employee. So with the passage of time
individual differences are increasing which are undermining the good will of the
organization.
OPPORTUNITIES
Its vast network of domestic and overseas branches can help to expand business.
Being an agent of State Bank of Pakistan it can play vital role in local economy.
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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 developing
core competing as a result to get maximum return.
I.T and HR are important factors for development in any organization, NBP continue
struggle to achieve this target.
THREATS
Its staff switching over to other private banks due to more facilities.
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SBP rated just Marginal in respect of System & Control which is alarming for the Bank
to survive its license.
ORGANIZATIONAL STRUCTURE
In National Bank of Pakistan, the head is called Chairman or President of the
Bank. And after President there is Five Broad of Directors. National Bank of
Pakistan has eleven Groups which control the working of the Divisions, Wing,
Department, Section and Regional of the national bank of Pakistan. In NBP,
Department is called Wings.
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National bank of Pakistan divided their task in to separate jobs. Basically national
Bank of Pakistan having different groups, and each group perform different task
specialization in their department. National Bank of Pakistan Categories their
departments through their work specialization. And NBP hire their employees
also through work specialization. The following Chart shows the Work
Specialization in the bank. HRM & Administration, Operation, Commercial &
Retail Banking, and I.T Group are performing different working in the
Organization.
Chairman &
President
Board of
Directors
Presidents
Secretariat
Secretary
Board of
Directors
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Credit
Management
Group
Corporate &
Investment
Banking Group
HRM &
Administration
Group
Operation
Group
Special Assets
Management
Group
HRM &
Administratio
n Group
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Operation
Group
Audit &
Inspection
Group
Commercial &
Retail Banking
Group
Overseas
Management
Group
Commercial
& Retail
Banking
Group
Compliance
Group
Treasury
Management
Group
I.T. Group
I.T. Group
National Bank of Pakistan is structurally divided into Groups and groups are also
subdivided into Departments, Wings, and Divisions. National Bank of Pakistan
has different Department in the Group and each department performing work, as
their task assign. Department also subdivided into working bases.
Credit Management
Group
(Functional Deptt)
Administrati
on Wing
Credit
Monitoring
Industrial
Research
GEOGRAPHIC DEPARTMENT
Special Assets
Management Group
(Geographic Deptt)
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Credit Policy
& SME Wing
SAMG North
SAMG South
SAMG
Head Office
(Karachi)
PROCESS DEPARTMENT
Compliance Group
(Process Deptt)
Administratio
n Wing
Market &
Liquidity
Risk
SBP
Inspection
Credit Risk
CUSTOMER DEPARTMENT
Operation Group
(Customer
Deptt)
Customer
Facilitation &
Admn.
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Customer
Services &
Financial
Institutional &
Cash Manag.
National Bank of Pakistan (NBP) provides Services through more than 1200
branches in Pakistan and 22 branches in overseas. And there are 29 Regions. All
Branches of National Bank of Pakistan report to five Head of RMT Members. And
these five members reported to regional Offices. Regional Offices report to the
Group Chief of the Groups. All the process is working very quickly and it not
consume more time. And the Group Chief of each Group Report to the President
of the National Bank of Pakistan. All the data were proceed to the President of
the bank.
Chairman &
President
Operation
Group Chief
South
Region
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HRM Group
Chief
North
Region
West
Region
Audit &
Inspection
Group Chief
East
Region
Compliance
Group
Chief
Overseas
Reg
Head 1
Branch 1
Head 2
Head 3
Branch 2
Branch 3
Head 4
Branch 4
Head 5
Branch 5
National Bank of Pakistan is relatively Wide span of control and Flat Structure.
National Bank of Pakistan are less layers of management to pass a message
through, so the message reaches more employees faster. More skillful Group
Chief Managers can control a greater number of employees. National Bank of
Pakistan assess that the internal Control environment is showing signs of
improvement as compared to previous year in all areas of the Bank.
Chairman &
President
HRM
Group
OD Wing
IRD Wing
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T&S
Wing
Tech
Wing
TMG
CMG
Operation
Group
C. M
Wing
Admn.
Wing
C. M
Wing
Admn.
Wing
National Bank of Pakistan is having Decentralization in the Bank. And give the
authority of Decision Making to their Group Chief of every Group, to take
decision, which is benefit for the Organization. National Bank of Pakistan provides
facility of making decision to their Senior Vice President as well as Vice President
of the every Group.
President
(NBP)
Group Chief
(Group)
SVP or VP
(Group)
AVP (Group)
Grade Officers
(Group)
National Bank of Pakistan has low Formalization in the bank. And Employees are
free to take action or decision in their work specialization. Employees are follow
the rules and regulation in the bank is very little formalized. Employees behavior
is little bit guided by rules and regulation.
National Bank of Pakistan follow the Organic Model Organization. In NBP, there
are Cross- Functional teams, as well as Cross-hierarchical teams. There are free
flow of Information and Wide span of Control. NBP is Decentralization in nature
and very low formalization in the bank. Basically National Bank of Pakistan is
high Diagonal Differentiation and every employee of any department can easily
communicate to other department of the Bank.
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BRANCH HIERARCHY:
MANAGER
MANAGER OPERATION
ESTABLISHMENT
OFFICER GRADE - I
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OFFICER GRADE - II
MESSENGER
PEON
SWEEPER
Training: NBP has no great facility for their employees for training of new
technologies. This situation creates difficulty for handling new challenge.
ii.
iii.
Staff Attitude: Due to heavy load of work staff attitude does not ideal for an
organization where public dealing is at large scale.
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Work Environment: Work environment was not ideal due to heavy customers visit in
a single day. Furniture, light and sitting arrangement was not good for customers and
bank employees.
v.
Professional Approach: Work specialization and job specification are found very low
in banks employees. Business administration qualities and education is at low side.
vi.
Shortage of Staff: There is shortage of staff in the Bank. Number of customer per
employee is very high. Cash department is suffering very badly and facing great deal
of over workload.
vii.
Less use of Technologies: Staff hesitate to use new technologies especially the cash
department. Even old employees are not able to operate PCs.
viii.
ix.
x.
Undemocratic Decision Making: I observed that some times employees are not
involved in decision-making process. Manager himself takes decision and orders to
make changes.
xi.
Pensioner's sitting Arrangement: Bank should take step for the sitting arrangement
of the old age employees and pensioners for. Also management should purchase more
furniture and arrange them in such a way which provides maximum space and
convenient specially in deposit department and there should also be convenient sitting
place for customers.
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RECOMMENDATIONS:
As analysis shows that NBP is a most growing organization with highest return on capital, The
bank has been able to strategically manage and build on its competitive advantage, by knowing
customers requirements, understanding employees need, modern technology, to making social
responsibility and looking towards stakeholders values. But there is further need for
improvement. To overcome weaknesses and to maintain its position as an Asian Tiger in
banking field, following recommendations are made:
Staff strength should be enhanced and professional qualified persons should be recruited.
It is recommended that proper training be provided to the staff members that will ultimately
increase the performance of Bank over all.
It is suggested that promotion be given to the staff in due time and on the basis of
performance to provide job satisfaction.
The bank should spend more on renovation of the branches to improve environment and
atmosphere to attract the customers.
There should be a proper desk for customers information in every branch.
Sitting arrangement, air conditioning and new furniture should be facilitated
The Bank should introduce the computers software to cope the heavy load of work and better
control.
Extra counters should be established in order to facilitate during the rush days the difficulties
faced by the bank staff as well as the customers.
All Branches of the Bank must be online.
All the departments should be established separately in every branch.
The Bank should locate new market for its operational activities in the country as well as
abroad.
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The Bank should increase profit rate on deposits and saving schemes especially for
pensioners and old age citizens.
For improvement of internal control and system the compliance wing and surprise inspection
system should work more effectively.
The bank should use broad casting media for promotion of its products and services and to
further expand its area through more aggressive marketing. Customer services must be better
to improve the efficiency of branch, which results in quality work and causes the customer
attraction that will create lucraturable activities.
These and many other that can make a good set of recommendations, which have to be made
possible to escape from the threats and weaknesses and the risks in environment that surrounds
the Bank. The management do considers the policy matter that is not helping the Bank, but are
still in practice due the absence of prudentially regulated system to protect them and the Bank.
Efforts have been made with serious concern to give NBP a status that it has to maintain by
having practices of:
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.
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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.
BOOK: -
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ELRCTRONICS REFERENCES:
WEBSITES: WWW.LOGICATWORK.INFO
WWW.SLIDESHARE.COM
WWW.SCRIBD.COM
SEARCH ENGINES: YAHOO, MSN, GOOGLE etc.
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