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SWOT Analysis Of Project :A Case Study of

National Bank of Pakistan (NBP)

19 April, 2012


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Subject: Strategic management

Presented By MOHAMMAD YASIR-------------------Roll, no----58.

MOHAMMAD JUNAID KHAN------Roll, no----80.

MOHAMMAD FAWAD QASIM------Roll, no---82.

M.Com 3rd semester(Evening)

section A


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About NBP:

National Bank of Pakistan is the largestcommercial bank operating in Pakistan.

Its balance sheet size surpasses that of any of the

other banks functioning locally.

It has redefined its role and has moved from apublic sector organization into a modern

commercial bank.

The Bank's services are available to individuals,

corporate entities and government. While itcontinues to act as trustee of public funds and as

the agent to the State Bank of Pakistan (in places

where SBP does not have a presence)


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Mission:

NBP will aspire to the valuesthat make NBP truly

the Nations Bank, by:

Institutionalizing a merit and

performance culture

Creating a distinctive brandidentity by providing the highest

standards of services

Adopting the best international

management practices Maximizing stakeholders value


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Vision:

To be recognized as a

leader and a brand

synonymous with trust,

highest standards ofservice quality,

international best

practices and social

responsibility


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SWOT Analysis


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NBP's organization culture was veryfriendly and interesting. Employees has

created a very cooperative environment

among each other. They have created

loyalty toward the organization by deviatingtheir future efforts and energies. The

employees take the organizational problem

personals and try their best for the

prosperity of the organization.

ORGANIZATION CULTURE:


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Governments bank:

In commercial banking system NBP is

only the government bank. They make

their policies according to the

governments rules and regulations. Itenjoys its position in the market of

banking system in Pakistan.

Government of Pakistan also facilitating

the National Bank of Pakistan.


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Customer satisfaction

Because of governments bank, it is

enjoying the customers satisfaction.

Customers feels secure their money

in NBP.


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Online banking:

There is also strength of NBP that

130 branches are online. It helps the

speedy services giving to the

customers. There is also help inchecking the balances and daily

transactions just at one key press.


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INDUSTRIAL POLICIES:

NBP helps the government on the implementation of

its industrial policies with

respect to economic

growth of the country.

BEST RESEARCH APPRAIAL TEAM:

Before the project financing NBP has the research

appraisal team that justifies the economic and

financial feasibility of not project in the future. That is

the strength is the scare that it helps the organization

from any loss that is to over in the future in case of

failure of the project.


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Wide area of services:

They provide the wide area of services.

They offer no. Of services relating to

the banking system like, pension to

retired government employees, trafficchallans, fees received of AIOU, farms

of AIOU, utilities bills, deposits, sales

tax , withholding tax, property tax, and

various loan schemes.


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LENIENT POLICY WITH THE CLIENTS:

This is one of the best policies of NBP

that it does not kept rude behavior with

this client if they make late in their

repayment of loan. But it has adopts

lenient way in dealing with them, it helpsits customers in the repayment making

rescheduling and restructuring of their

loans.


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LESS ATTENTION TO THE RURAL DEVELOPMENT:

NBP's portfolio shows that it has madeproject financing only in the major cities

of Pakistan. But a reasonable attention is

needed in the project financing of the

rural based industrial project of thecountry.


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POOR ADVERTISEMENT:

I keenly observe this that as compared toother banks. NBP is very poor in

advertising itself and institution, which

works a lot in the development of the

country, but unfortunately in the businesscommunity most of the people are in award

of it.


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Lack of communication between

employees:

During the internship in NBP I found

the problem of lack of communication

between the employees and

management. They have not very muchunderstanding with each other and not

share the work of each other.


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POOR NETWORK:

NBP has only 1250 branches all over the Pakistan and in major

cities of Pakistan in which other competitors has their branches

NBP don't have:

- The formalities involved in getting loans are time

concerning and complicated enough.

- It is observed that most of the loans, which have been

granted on political basis, are either default or their loans areforcefully written off.

- It is seemed that the recovery system of NBP is not

effective that's why number of defaulters are increasing at

the growing age.

- Political interference in the recruitment system.

- Uncertainly among the employees due to threat of

downsizing.


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Punishment is not very strong for

employees:

Punishment threat is not very strong

for employees. Some employees are

not very professional in their fieldbut top management not takes the

action against such employees.


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Public dealing is not very effective:

Public respect is not very effective

in NBP. Employees are not taking

care of the customers, especially in

pension and bills department.


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Staff shortage:

There is also weak point for NBP that

staff is very short and more staff is

required to meet the needs of the

branch work. They help frominternees.


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SPONSOR THE I.T BASED PROJECTS:

This is the best opportunity available toall banks and NBP as well, to sponsor

the IT and computer based projects

because the coming century is the

century of information technology asnew a days all the business community is

diverting its attention towards this field.


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Growing banking system:

Nowadays banking system is

growing quickly so NBP have

opportunities to improve the

standard and get the more sharein the market.


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NBP have government back:

In growing era there is a chance

for NBP to improve itself and

increase the shares in the market

because it is most trustable due togovernments bank.


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Increase in economic activities:

The economic activities are

increase nowadays, so banks are

contributes more in economic

activities. Banks are played role intrade and commerce. So the

business of commercial banks is

increase.


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POLITICAL INFLUENCE AND INSTABILITY:

This is the major threat for any business

organization in Pakistan because thepolitical officials influence NBP in

financing those projects which are not

viable or write off those loans which are

still able to pay, this political influencecause many problems in daily business

thus profitability of NBP. Political

industrial is even a threat for NBP in the

sense that once the policies andprocedures are approved by government.


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LACK OF MODERN BANKING TECHNIQUES:

NBP is following fifty years old style ofbanking, in the computers of NBP

symphony word processor is still used.

Which is the oldest word processor due to

this the deposits are looking to be corded,because of the provision of credit cards

and other such services by its competitors

both local and foreign banks is proving to

be limiting factor in the deposit

mobilization efforts of the corporation.


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Increase in no. of banks:

Increase in no. of banks is a threat

for National Bank of Pakistan. No.

of private banks (commercial and

private) are operating their businessand provide the same facilities. So

increase in no. of banks is a threat

for NBP.


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The whole structure change to online :

NBP have wide network of branches.

Only 130 branches are online, so it is

very difficult and time consumed to

convert all branches to online system.So there is also risk involves that if one

commuter of one branch suffers in

problem, all system and all commuters

of all branches must be turnoff.


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