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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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