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Samina Ameer Din Mc090404110 MBA Finance

Samina Ameer Din Mc090404110 MBA Finance. National Bank of Pakistan. Brief Introduction of the Organization. History of National Bank of Pakistan. NBP is the largest commercial bank. Acts as an agent of central bank. Moved from public sector organization to commercial bank.

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Samina Ameer Din Mc090404110 MBA Finance

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  1. Samina Ameer Din Mc090404110MBAFinance

  2. National Bank of Pakistan

  3. Brief Introduction of the Organization

  4. History of National Bank of Pakistan • NBP is the largest commercial bank. • Acts as an agent of central bank. • Moved from public sector organization to commercial bank. • Provide both public sector and commercial banking services. • Handle treasury transactions. • A major lead player.

  5. Business Volume of NBP

  6. Competitors of NBP Competitors at Public Sector First Women Bank Limited (FWB) The Bank of Khyber (KB) The Bank of Punjab (BOP) Competitors at Private Sector My Bank Limited Allied Bank Limited Bank Al-Falah Limited Atlas Bank Bank Al Habib Limited Habib Bank Limited Askari Bank Saudi Pak Bank Limited Faysal Bank Limited Metropolitan Bank limited Muslim Commercial Bank Limited

  7. Organizational Hierarchy Chart 1. President Executives 4. SVP 2. SEVP 3. EVP 5. VP 6. AVP Officers OG-II OG-III OG-I Cash Dept. Clerical Staff Head Cashier Assistant Cashier Non Clerical Staff Peon, Guards etc

  8. Hierarchy of Branch Branch Manager Operations Manager HR Officer Credit Officer All other staff

  9. Training Program • Account Opening Department • Clearing Department • Remittance Department

  10. Description of the Tasks Assigned to me During my Internship • PLS Saving A/C • Current A/C • Inward / Out ward Clearing • Local Clearing • Intercity Clearing • Pay Order (PO) • Demand Draft (DD) • Call Deposit at Receipts (CDR)

  11. Ratio Analysis

  12. Financial Statements All the financial statements for the preparation of these PPT slides are downloaded from the Website of NBP: www.nbp.com.pk

  13. Working of Net Interest Margin Net Interest Margin = Mark-up / return / interest earned - Mark-up / return / interest expensed 2010) Net interest margin = (88,472,134-45,250,476) = 43,221,658 2009) Net interest margin = (77,947,697-40,489,649) = 37,458,048 2008) Net interest margin = (60,942,798-23,884,768) = 37,058,030

  14. Working of Total Income Total Income = (non mark-up / interest income +Mark-up / return / interest earned) 2010) Total Income = (17,632,640+88,472,134) = 106,104,774 2009) Total Income = (19,025,357+77,947,697) = 96,973,054 2008) Total Income = (16,415,862+60,942,798) = 77,358,660

  15. Working of Total Assets

  16. Working of Total Equity

  17. Working of EBIT EBIT= Profit before Taxation+ Mark-up / return / interest expensed 2010) EBIT = 24,415,119+45,250,476= 69,665,595 2009) EBIT = 21,300,173+40,489,649= 61,789,822 2008) EBIT = 23,000,998+23,884,768= 46,885,766

  18. Working of Current Liabilities

  19. Conclusion • The net profit margin of NBP in all of the years is good. • Gross spread ratio is also good in all of over the years. • Spread ratio of NBP is also good because it covers its interest expenses. • Non Interest Income to Total Income Ratio of NBP is good. • Return on assets ratio of NBP is low. • Dupont return on assets ratio is also low. • Return on total equity ratio is good in all over the years. • Debt ratio of NBP is very high in all of the year that is not good.

  20. Conclusion • Debt ratio of NBP is very high in all of the year that is not good. • Debt to equity ratio is also too high of NBP that is not god. • Time Interest earned ratio of NBP is good. • Advances / Deposits ratio is very low and not good for NBP. • Operating Cash Flow ratio is also very low in all over the year that is not good. • Dividend per share ratio of NBP is good. • Earning per share ratio is very good. • P / E ratio is also good of NBP.

  21. Recommendations • NBP can also increase the net profit margin ratio by decreasing its non mark-up interest expenses and taxes. • NBP can increase more its gross spread ratio by decreasing the interest expenses. • Return on assets ratio & Dupont return on assets ratio can also be increased by utilizing the assets in an efficient manner. • NBP need to decrease its debts to manage the debt ratio because a high debt is not a good sign for NBP.

  22. Recommendations • Debt to equity ratio is also very high. NBP should decrease its debts because the equity investors will not invest in it due to high debts. • NBP can increase its advances / deposits ratio by giving advances to the customers. • NBP needs to improve its liquidity by increasing assets for operating cash flow.

  23. Thank You

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