imran presentation (1)

8/3/2019 Imran Presentation (1)

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Starting with the name of Starting with the name of ALLAH ALLAH

most most Beneficent Beneficent, most , most MercifulMercifulPresentation of Business CommunicationPresentation of Business Communication

ONON

NIB Bank Ltd.NIB Bank Ltd.



DedicationDedication

I want to dedicate this to My Grandparents.I want to dedicate this to My Grandparents.

My MOM and DAD, because the helped me aMy MOM and DAD, because the helped me alot.lot.

And last but not least to my respected teachers And last but not least to my respected teachersmy best friends and my fellow beings.my best friends and my fellow beings.

I am very thankful to Shah Mahmood my friendI am very thankful to Shah Mahmood my friend

who helped me a lot in making thiswho helped me a lot in making thispresentation.presentation.



Submitted To:Submitted To:--

Mr. Muhammad Imran Hanif Mr. Muhammad Imran Hanif

Submitted By:Submitted By:--Muhammad Imran KhanMuhammad Imran Khan

BS(IT)2BS(IT)2ndnd

Roll No# 07Roll No# 07--3737

Computer Science Department Computer Science Department Bahauddin Zakariya UniversityBahauddin Zakariya University

Multan.Multan.



Board Of DirectorsBoard Of Directors

Francis AndrewFrancis Andrew DirectorDirector

Thoms P. SodanoThoms P. Sodano DirectorDirector

Mahmud ul Haq DirectorMahmud ul Haq Director

Syed WaliSyed Wali DirectorDirector

Tan Soo NanTan Soo Nan DirectorDirectorWilli Wali Kong ChanWilli Wali Kong Chan DirectorDirector

Khawaja Iqbal Hassan President/CEOKhawaja Iqbal Hassan President/CEO



Legal Advisor's of NIB Bank.Legal Advisor's of NIB Bank.

Rizvi.Rizvi.

Isa.Isa.

Afridi. & Afridi. &

Angell. Angell.

Advocate & Corporate Consellors Advocate & Corporate Consellors



Vision Statement Vision Statement

To become a leading provider of investment To become a leading provider of investment banking and wealth management services.banking and wealth management services.

To be a topTo be a top--3 choice of employers, a premier3 choice of employers, a premierdeveloper of human talent, and an organizationdeveloper of human talent, and an organizationthat understand and hours its social responsibilities.that understand and hours its social responsibilities.



Mission Statement Mission Statement

The values that will desire the bank mission, visionThe values that will desire the bank mission, vision

and culture.and culture.

NIB Bank ltd mission is to provide a bankingNIB Bank ltd mission is to provide a bankingexperience so unique that it completes each of NIBexperience so unique that it completes each of NIBBank customer to want a long term, multiBank customer to want a long term, multi--product product relationship with NIB bank.relationship with NIB bank.



Brief History of NIB Bank Ltd.Brief History of NIB Bank Ltd.

NIB Bank Limited commenced bankingNIB Bank Limited commenced bankingoperations in October 2003 following theoperations in October 2003 following the

merger of the former National Development merger of the former National Development Leasing Corporation ("NDLC") and the PakistanLeasing Corporation ("NDLC") and the Pakistanoperations of IFIC Bank Limited of Bangladeshoperations of IFIC Bank Limited of Bangladeshwith and into NIB Bank Limited. NIB Bankwith and into NIB Bank Limited. NIB Bank

Limited was introduced in April 2004, OurLimited was introduced in April 2004, Ourcurrent network of 27 branches strategicallycurrent network of 27 branches strategicallylocated in all the major cities.located in all the major cities.



Financing product menu of NIB Bank Limitedcomprised of Auto & Corporate Lease until May2006 when the first unsecured consumerproduct, Personal Installment Loan was launched.With the launch of Personal Loans, NIB Bank hasentered into the already growing consumerindustry in Pakistan. It's an unsecured Personal

Installment Loan facility for individuals to fulfilltheir personal cash deficiencies. An individualmay require this facility to cater to a variety of personal needs.



Nature of the OrganizationNature of the Organization

NIB Bank has following twoNIB Bank has following twosections.sections.

General Banking:General Banking:--

Following four departmentFollowing four departmentin NIB general Bankingin NIB general Banking Abdali Road Multan. Abdali Road Multan.

Customer ServiceCustomer ServiceDepartment:Department:--

The Customer ServiceThe Customer Servicedepartment deal with thedepartment deal with theeach and every problem ofeach and every problem ofthere customers.there customers.



Structure of the customerStructure of the customer

service centerservice centerBranch Manager

Relationship manager

Customer

relation

officer

Customer

relation

officer

Customer

relation

officer

Customer

relation

officer



What is customer ServiceWhat is customer Service

Department?Department?Customer serviceCustomer service

department open thedepartment open thecustomer account.customer account.

There are two types of There are two types of accountsaccounts..

Current account Current account

Saving account Saving account A customer can open A customer can open

the current account the current account withwith Rs. 5000/Rs. 5000/--

rupees without anyrupees without anyreference.reference.



Departments of NIB Bank Ltd.Departments of NIB Bank Ltd.

Customer ServiceCustomer ServiceDepartment.Department.

Sales Department.Sales Department.

OperationOperationDepartment.Department.

Consumer Banking.Consumer Banking.



There are further four departments of There are further four departments of

Consumer Banking Section.Consumer Banking Section. Sales Department.Sales Department.

CIU Department.CIU Department.

Verification Verification

Department.Department.

CollectionCollectionDepartment.Department.



Bus ness Vo umeBus ness Vo umeThree years program from 2004Three years program from 2004--0707

Years Years 2004 2005 2006 2007

Capital & Reserves 1,219 1,389 1515 3002

Deposits 51,124 55,897 63430 76541

Advances 29,552 32,436 36231 42719

Investment 15,610 15,574 20193 25606

Income 6,102 7,056 8397 8984

Expenditure 5,571 6,822 8368 8814

Pre-tax Profit 531 234 29 170

Total Assets

(Less contra Account)

58,480 63,439 72404 89358



Graph of Business VolumeGraph of Business Volume

From year 2004From year 2004--2007 for 3 years.2007 for 3 years.

0

1,000

2,000

3,000

4,000

2004 2005 2006 2007

Capital & Reserves

0

20,000

40,000

60,000

80,000

2004 2005 2006 2007

Deposits



0

10,000

20,000

30,00040,000

50,000

2004 2005 2006 2007

Advances

0

10,000

20,000

30,000

2004 2005 2006 2007

Investment

0

2,000

4,000

6,000

8,000

10,000

2004 2005 2006 2007

Income

0

2,000

4,000

6,000

8,000

10,000

2004 2005 2006 2007

Income



Profile of EmployeesProfile of Employeesin Multan Main Branch of NIBin Multan Main Branch of NIB

Bank Ltd.Bank Ltd.

Managing Director 1Branch Manager 1Operations Manager 1Relationship Manager 1Commercial Manager 1Sales Manager 8Group Leader 3

MIS Coordinator 3Processor 2Relationship Officer 80Total 101



Products available from NIB BankProducts available from NIB Bank

Ltd.Ltd.NIB Bank has introduce three products onlyNIB Bank has introduce three products onlyin Multan.in Multan.

NIB AutoNIB Auto--Finance.Finance.

NIB SBL (Small Business Loan).NIB SBL (Small Business Loan).

NIB ATM.NIB ATM.



SBL(Small Business Loan)SBL(Small Business Loan)

NIB Bank Ltd offers the able to the business manNIB Bank Ltd offers the able to the business manwith out any mortgage and plunging and without with out any mortgage and plunging and without

any guaranty. In monthly equally in statement any guaranty. In monthly equally in statement basic for one year to five year. RS introduce thebasic for one year to five year. RS introduce theproduct to customer through the data calling andproduct to customer through the data calling andbank visit.bank visit.



DUTIES AND RESPONSIBILITIESDUTIES AND RESPONSIBILITIES

OF S ALES DEP ARTMENT.OF S ALES DEP ARTMENT.

There are three teams in Multan forThere are three teams in Multan forSBL each team consist of fifteenSBL each team consist of fifteenrelationship officer and one grouprelationship officer and one groupleader.leader.



(E ACH RO REPORT TO GL AND E ACH(E ACH RO REPORT TO GL AND E ACHGL REPORT TO SM)GL REPORT TO SM)

W

hat Relationship Officer do?W

hat Relationship Officer do? Relationship officers deal with customer throughRelationship officers deal with customer through

telemarketing and bank visit. They introduce thetelemarketing and bank visit. They introduce theproduct to customer.product to customer.

If any customer is villain to get the loan then ROsIf any customer is villain to get the loan then ROstake the signature on documents and take the onetake the signature on documents and take the oneyears business proof in the shape of soleyears business proof in the shape of sole

proprietorship letter and or NTN (National Tax No.).proprietorship letter and or NTN (National Tax No.).Relationship officer complete the customer file andRelationship officer complete the customer file andreport to group leaderreport to group leader



What do Group leader do?What do Group leader do?

After taking the After taking thereport from RO Groupreport from RO GroupLeader will submit Leader will submit that report to the SMthat report to the SM

(Sales Manager).(Sales Manager).



What do Sales Manager (SM)What do Sales Manager (SM)

do?do?

Sales Manager will take the report from theSales Manager will take the report from the

GL and will thoroughly go through that GL and will thoroughly go through that report and after that he will send that report and after that he will send that report to CIU Department for configuration.report to CIU Department for configuration.



Requirements for SBL.Requirements for SBL. Customer should have one year business proof. If theCustomer should have one year business proof. If the

customer have business name and bank statement, thencustomer have business name and bank statement, thenbank requires the one year old sole proprietorship letter.bank requires the one year old sole proprietorship letter.If the customer have personal names statement thenIf the customer have personal names statement then

bank requires one year old NTN number.bank requires one year old NTN number.

NIC copy.NIC copy.

PTCL should be installed in office.PTCL should be installed in office.

Last 7 days markup rate 16% premium IRR 26% to 29%.Last 7 days markup rate 16% premium IRR 26% to 29%.

Compound intrust.Compound intrust.



Product FeaturesProduct Features

Without any guaranty.Without any guaranty.

No post dated cheques.No post dated cheques.

Built in insurance.Built in insurance.

Fastest processing 7 days.Fastest processing 7 days.



NIB current account.NIB current account.

NIB ATM card.NIB ATM card.

Credit limit upto 75000/Credit limit upto 75000/--

Bank divided the customer in two categories:Bank divided the customer in two categories:--

EstablishEstablish

NIB (New to Bank)NIB (New to Bank)



Establish CustomerEstablish Customer

Establish customer is a such customer. Which BankEstablish customer is a such customer. Which Bankrelation is more than 1 year or using the products of otherrelation is more than 1 year or using the products of otherBank more then 1 year.Bank more then 1 year.

Products like:Products like:--

Credit cardCredit card

Running financeRunning finance

Auto finance Auto finance

Mortgage loanMortgage loan

There is no need of PTCL number. And there is noThere is no need of PTCL number. And there is noneed office verification for the establishneed office verification for the establishcustomer.customer.



New to BankNew to Bank

Any customer wide has no relation with any Any customer wide has no relation with anybank or such customer which is applying first bank or such customer which is applying first time for loan from NIB bank Ltd.time for loan from NIB bank Ltd.



INST ALLMENT SCHEDULE OFINST ALLMENT SCHEDULE OF

SM ALL BUSINESS PL ANSM ALL BUSINESS PL ANAmount Years Years Years Years Years

1 2 3 4 5

50000 4782 2700 2021 1692 1504

100,000 9656 4500 4042 3385 3008

200,000 19130 10800 8084 6771 6017

300,000 28695 16200 12127 10157 9026

400,000 38260 21600 16196 13543 12035500,000 47826 27000 20212 16929 15044

600,000 57390 32400 24254 20314 18052

700,000 66955 37800 28294 23695 21056

750,000 71738 40500 30315 25387 22560

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