DBMS Project Report ( UCP, GRW )

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TABLE OF CONTENTS

PAGE NO

Introduction and objective

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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Issues Faced by Branch

42

Recommendation

43

Conclusion

46

Bibliography and References

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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in the identification 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 entire information has maintained in the database or Files and whoever wants to
retrieve cant retrieve, only authorization user can retrieve the necessary information
which can be easily be accessible from the file.

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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1950 NBP established a branch in Jeddah, Saudi Arabia

1955 By this time NBP had branches in London and Calcutta.

1957 NBP established a branch in Baghdad, Iraq.

1962 NBP established a branch in Dar-es-Salaam, Tanganyika.

1964 The Iraqi government nationalized NBP's Baghdad branch

1974 The government of Pakistan nationalized NBP. As part of the

concomitant consolidation of the banking sector, NBP acquired Bank of

Bahawalpur (est. 1947).

1977 NBP opened an offshore brain Cairo.

1994 NBP amalgamated Mehran Bank

1997 NBP's branch in Ashgabat, Turkmenistan commenced operations.

2000 NBP opened a representative office in Almaty, Kazakhstan.

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.

2002 Pakistan International Bank renamed itself United National Bank

Limited (UNB).
Theownership structure of the UNB remained as before. The only change to th
e shareholdingstructure is that UBL had recently been privatized in Pakistan
and was now owned 49% by theGovernment of Pakistan and 51% by a joint
foreign consortium of Abu Dhabi.

2003 NBP received permission to open a branch in Afghanistan.2005 NBP

closed its offshore branch in Cairo

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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

Network of National Bank of Pakistan

National Bank of Pakistan has a very wide network of braches and offices. According
to NBPsofficial website it has domestic as well as overseas network as follows;
Domestic Network

Regional Offices 29

Branches 1254

Online Branches 147

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.

I am greatly indebted to my learned teachers, Sir.Imran Aslam who have great

influence on me during my formative years. This report reflects the knowledge which
I have gained from my valuable teachers. I acknowledge with deep gratitude the
invaluable help extended to me by Mr. Rana Ahsaan-ul-Haq, one of the officer of the
National Bank of Pakistan, without his co-operation it was not possible for me to
complete my Internship Report. He guided and helped me and specially the
sympathetic attitude, which always inspired me for hard work.

I am really very thankful to Muhammad Rafi Operational Manager of National Bank

Munir chowk branch , Gujranwala and all the bank staff for their cooperative attitude
during my internship.

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

Principal Office, Karachi Pakistan

Key People

S. Ali Raza (President & Chairman)

Industry

Banking, capital Market

Products

Loans, Credit Card, Savings, Consumer Banking

etc

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

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National Bank of Pakistan

.
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 :

Institutionalizing a merit and performance culture

Creating a distinctive brand identity by providing the highest standards of services
Adopting the best international management practices.
Maximizing stakeholders value.
Discharging our responsibility as a good corporate citizen of Pakistan and in
countries where we operate.
CORE VALUES

Highest standards of Integrity.

Institutionalizing teamwork and performance culture.
Excellence in service.
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Advancement of skills for tomorrows challenges.

Awareness of social and community responsibility.
Value creation for all stakeholders.
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

OBJECTIVE OF THE PROJECT:

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 fulfill almost all the process requirements of any Bank.

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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SOFTWARE DEVELOPMENT LIFE CYCLE:

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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STRUCTURE QUERY LANGUAGE:

Introduction to SQL: -

SQL is a standard computer language for accessing and manipulating databases.

SQL stands for Structured Query Language.

SQL allows you to access a database.

SQL is an ANSI standard computer language.

SQL can execute queries against a database.

SQL can retrieve data from a database.

SQL can insert new records in a database.

SQL can delete records from a database.

SQL can update records in a database.

SQL is easy to learn.

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

SQL Data Definition Language (DDL)

The Data Definition Language (DDL) part of SQL permits database tables to be created
or deleted. We can also define indexes (keys), specify links between tables, and impose
constraints between database tables.

The most important DDL statements in SQL are:

CREATE TABLE - creates a new database table

ALTER TABLE - alters (changes) a database table

DROP TABLE - deletes a database table

CREATE INDEX - creates an index (search key)

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DROP INDEX - deletes an index MS SQL SERVER 2000

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DATA FLOW DIAGRAM

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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SYSTEM DATA FLOW DIAGRAM

TRANSACTIONS

BANKING

DATABASE

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ACCOUNT
HOLDERS

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E-R DIAGRAM:

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ER-modeling is a data modeling technique used in software engineering to produce a

conceptual data model of a information system. Diagrams created using this ER-modeling
technique are called Entity-Relationship Diagrams, or ER diagrams or ERDs. So you can say
that Entity Relationship Diagrams illustrate the logical structure of databases.
Dr. Peter Chen is the originator of the Entity-Relationship Model. His original paper about
ER-modeling is one of the most cited papers in the computer software field. Currently the ER
model serves as the foundation of many system analysis and design methodologies,
computer-aided software engineering (CASE) tools, and repository systems.
The original notation for ER-Diagrams uses rectangles to represent entities, and diamonds to
represent relationships.
There are three basic elements in ER-Diagrams:

Entities are the "things" for which we want to store information. An entity is a person,
place, thing or event.

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Attributes are the data we want to collect for an entity.

Relationships describe the relations between the entities.

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.

E.g. Entity Class Student, Entities John, Trish etc

Attributes

Properties of Entities that describe their characteristics.

Types:
Simple
: Attribute that is not divisible, e.g. age.
Composite
: Attribute composed of several simple attributes,
e.g. address (house number, street, district)
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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)

Check(Age_F>=0 and Age_F<100)

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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Check(Age_S>=0 and Age_S<100)

Check(Age_T>=0 and Age_T<100)

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T_Date

National Bank of Pakistan

DateTime

Not Null

SOWT ANALYSIS:

SWOT analysis is an acronym that stands for strengths, weakness, opportunities, and threats

SWOT analysis is careful evaluation of an organizations internal strengths and weakness as

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.

Performing social responsibilities and claiming The Nations Bank

Disbursing Salaries and Pensions to the Government employees and earning high profit
on NBP-Advance Salary Loan Scheme

Earning commission from SBP on Government transaction

Facing never problem of cash/currency being its Chest and Sub-chest

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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Unsatisfactory corporate culture of the Bank

Physical environment and atmosphere compare to other banks is not meet the standard

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 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.

Uncertainly among the employees due to threat of downsizing

OPPORTUNITIES

Being a Government Bank NBP having wide scope in economic market.

Trust and reliability creates chances to enhance deposit and profitability.

Its vast network of domestic and overseas branches can help to expand business.

Banks 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.

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Earning commission/exchange on Government transactions.

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

SBP penalties due to low internal control and compliance.

Government, SBP and Prudential Rules and Regulations.

Schedule banks and Multinational/International banks profit rates.

Its staff switching over to other private banks due to more facilities.

Other banks charming atmosphere and relaxation in documentation.

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SBP rated just Marginal in respect of System & Control which is alarming for the Bank
to survive its license.

NBP staff code of ethics and practices.

High number of complaints regarding staff behavior.

Government Schemes, Government Revenue Collection, Government.

Payments and FBR Collections create heavy workload.

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

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National Bank of Pakistan

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

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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.

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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

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Head 1

Branch 1

National Bank of Pakistan

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

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National Bank of Pakistan

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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DBMS Project Report

National Bank of Pakistan

BRANCH HIERARCHY:
MANAGER

MANAGER OPERATION

ESTABLISHMENT

OFFICER GRADE - I
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National Bank of Pakistan

OFFICER GRADE - II

OFFICER GRADE - III

MESSENGER

PEON
SWEEPER

Number of Employees -------------------- 15

Name of Manager------------------------ Abdullah Munir
Name of Operations Manager-------------- M. Rafi

ISSUES FACED BY THE BRANCH:

i.

Training: NBP has no great facility for their employees for training of new
technologies. This situation creates difficulty for handling new challenge.

ii.

Departmentalization: An employee deals various nature of work.

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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DBMS Project Report

iv.

National Bank of Pakistan

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.

Communication Gap: I feel that there is communication gap between top

management and workers. They have fewer chances to communicate effectively.

ix.

Unjustified Appraisal Criteria: No justified appraisal criteria are implemented for

annual increase in salary and promotion of staff. It creates un-satisfaction among the
employees of the Bank.

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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National Bank of Pakistan

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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DBMS Project Report

National Bank of Pakistan

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:

Right sizing of the employees.

By closing unprofitable branches.
By introducing a merit based selection criteria.
Promotions made conditional with qualifications.

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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DBMS Project Report

National Bank of Pakistan

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.

BIBLIOGRAPHY AND REFERENCES:

BOOK: -

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DBMS Project Report

National Bank of Pakistan

Black Book on Visual Basic .Net 2003 By Steven Holzner

ELRCTRONICS REFERENCES:

WEBSITES: WWW.LOGICATWORK.INFO
WWW.SLIDESHARE.COM
WWW.SCRIBD.COM
SEARCH ENGINES: YAHOO, MSN, GOOGLE etc.

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