A big opportunity is waiting for us.

Long Process of Transaction: There are long processes for making a transaction in the
Bank. Especially, during the salary days of Gov

During the internship I got practical experience that does not meet the theoretical
concepts in MBA Program. I present here some critical analysis:

appreciation to our stakeholders, regulators and our valued customers for their support
and continued confidence in NBP.
On behalf of Board of Directors

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We extend our appreciation to the bank’s staff for their commitment, dedication and
hard work in achieving these excellent results. We would like to express our

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2007. Therefore the comparison between the provisions for the two periods should
take into account both these factors. Additionally the bank is making all out efforts for
recovery of non-performing loans and aggressive targets have been assigned to the
units.

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year, therefore this year the banks can no longer take the benefit of forced sales value
of the collateral securities. The additional provision charge on account of withdrawal
of FSV impact last year was Rs. 3.1 billion, which was made in the 3rd and 4th
quarter of last year. This benefit of Rs 3.1 billion was being carried in the first half of

year comes to Rs. 1.8 billion. Further b) last year the SBP changed its prudential
regulations and withdrew the benefit of Forced Sales Value in the third quarter of last

one off items of Rs. 1.4billion on account of one large cash recovery and reversal in
general provision of Rs. 825 million due to reduction in provision requirement on
advance salary from 5% to 3%. If we exclude these one offs the provision charge last

will rise in short term however we need to invest today for better returns in the future.
Provision charge against advances for the corresponding period last year includes a)

g han ap ne bilkul thek bat kahi ha aur aek achi earning karne k liye hamare liye sirf forex he ek best buisness ha aur iske sath hamare liye ye ek golden oppertunity ha jis k zariye se humen bohat he acha faida hasel ho sakta hai dost

dear g han forex he hamare liye ek best oppertunity hai aur humen chahiey k ham is sy zaroor faida hasel keren aur is buisness mein kam karen aur apne future ko is buisness k zariye se bright keren kio k yehi ek best buisness ha hamare liye

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