The Bank of Punjab Latest Internship Report With Three Years Financial Data (2016-2014)

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EXECUTIVE SUMMARY
The bank of Punjab (BOP) established in 1989 and got the status of scheduled bank in 1994.
The bank of Punjab offer number of products in their customer. There are more than 500
branches of BOP in the whole country out of 453 are online providing servicing. Functionally
the bank of Punjab is divided in the division and the each division is headed by the general
managers.
The government of the Punjab holds the majority of the shares in BOP. It is doing business in
commercial banking and the retail banking. Corporate banking treasury and investment and
trade finance. The shares of BOP are traded in all three stock Exchanges of the Pakistan.
My internship program period is 25th
August 2016 to 26th
October 2016. During internship, I
worked in Accounts opening Department, Accounts Department, Remittance Department,
and Audit Department.
As for as the different ratios of the Bank Of the Punjab, they all give the healthy sign
regarding financial position of the Bank as well as the operation results of the different
financial years. All ratios are fully in accordance with the banking industry’s standard and
norm which is a yard stick to measure the performance of any bank. These ratio depict and
indicate that the financial strength of the on a higher side and further prospect of the Bank is
brighter.
At the end the conclusion and the recommendations are the part of the report. Bibliography is
the part, which contain all the references from I, obtained data to prepare this report.

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CHAPTER NO 1
INTRODUCTION OF THE ORGANIZATION
1.1 HISTORY
The Bank of Punjab started functioning with the inauguration of its first branch of 7-Egerton
Road, Lahore on November 15, 1989. The founder of the bank Mr. Nawaz Sharif performed
the inauguration.
The Bank of Punjab is working as a scheduled bank with its about 500 branches in all major
cities of the country. The bank provides all types of banking services such as Deposit in
Local currency, Client Deposits in Foreign currency, Remittances and Advances to
businesses, trade, industry and agriculture. The Bank of Punjab has entered into a new era of
science to the nation under the experienced and professional hands of its management.
The Bank of Punjab has played a vital role in the national economy through mobilization of
untapped local resources, promoting savings and providing funds for investments.
The Bank of Punjab has played a vital role in the economy through mobilization of untapped
local resources, promoting savings and providing funds for investment.
The Bank of Punjab has the privilege to discharge its responsibilities towards national
prosperity and progress. Within the couple of years of its scheduling, the bank has not only
carved out for itself prominent niche in the mainstream banking of the country but in certain
areas it has the distinction of taking the lead. In short span of time the Bank has been able to
evolve a distinct corporate culture through of its owned-based policies, which are realistic
and are on highly professional footings.
1.2 INTRODUCTION
The banks of Punjab (BOP) establish in 1989 and got the status of scheduled bank in 1994.
The bank of Punjab offer number of products in their customer. There are more than 500
branches of BOP in the whole country including conventional and Islamic banking branches.
Functionally the bank of Punjab is divided in the division and each division is headed by the
general managers.

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The Government off Punjab holds the majority of the shares in BOP. It is doing business in
commercial banking and the retail banking. Corporate banking treasury and investment and
trade finance. The shares of BOP are traded in all three stock exchange of the Pakistan.
1.3 VISION STATEMENT:
“To be a customer focused bank with service Excellence”
1.4 MISSION STATEMENT:
“To exceed the expectation of our stakeholders by
Leveraging our relationship with the government of
Punjab and delivering a complete range of professional
Solutions with a focus on program driven products
And services in the agriculture and middle markets
Through a motivated team"
1.5 BOP CORE VALUES:
Commitment: Passionate about our customers’ success and delighting them with quality of
our service
 Our Customers
As our first priority
 Profitability
For the prosperity of our stakeholders that allows us to constantly invest, improve and
succeed.
 Corporate Social Responsibility
To enrich the lives of community where we operate
 Recognition and reward employees
For the talented and high performing

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 Excellence
In everywhere we do.
 Integrity
In all our dealings.
 Respect
For our customers and each other.

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CHAPTER NO 2
ORGANIZATION STRUCTURE
2.1 FUNCTIONAL HIEROCRACY OF BANK OF PUNJAB
2.2 BOP ORGANIZATION STRUCTURE CHART
BRANCH
MANAGER
OPERATIONS CASH MARKETING
OPERATION
MANAGER
Chairperson of Board of Governor
President of BOP
Risk
Management
International
Division
Retail Banking
Division
HR
Division
IT
Division
Finance
Division
Special Assets Management
Division
Credit Administration
Division
RCAD
Department
Hub
Commercial
Assets
Management
Corporate
Assets
Management
Report to
State Bank of
Pakistan

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2.3. DETAIL OF BOARD OF DIRECTORS
Dr. Pervez Tahir (Chairman)
Mr. Naeemuddin Khan (President/CEO)
Mr. Mohammad Jehanzeb Khan (Director)
Mr. Hamed Yaqoob Sheikh (Director)
Dr. Umar Saif (Director)
Syed Maratib Ali (Director)
Dr. Muhammad Amjad Saqib (Director)
Mr. Mohammad Afzaal Bhatti (Director)
Khawaja Farooq Saeed (Director)
Mr. Saeed Anwer (Director)
Mr. Omar Saeed (Director)
Mr. Raza Saeed (Secretary to the Board)
CENTRAL AUDIT COMMITTEE (CAC)
Khawaja Farooq Saeed (Chairman)
Mr. Mohammad Afzaal Bhatti (Member)
Mr. Saeed Anwer (Member)
Mr. Omar Saeed (Member)
BOARD RISK MANAGEMENT COMMITTEE (BRMC)
Syed Maratib Ali (Chairman)
Mr. Saeed Anwer (Member)
Mr. Omar Saeed (Member)
Human Resource & Remuneration Committee (HR&RC)
Mr. Mohammad Jehazab Khan (Chairman)
Syed Maratib Ali (Member)
Mr. Mohammad Afzaal Bhattti (Member)
Mr. Naeemuddin Khan (Ex-Officio Member)

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CHAPTER NO 3
PRODUCTS AND SERVICES OF BOP
(3.1) RETAIL BANKING
3.1.1 RETAIL BANING INTRODUCTION
3.1.2 CURRENT DEPOSITS
 BOP Tijarat Account
 BOP Life Current Account
 BOP Salary Plus Account
 BOP Youth Education Account
 BOP FCY Supreme Current Account
 BOP Current Account
 BOP Current Direct Pension Credit Accounts
 Basic Banking Account
 BOP Asaan Current Account
3.1.3 SAVING DEPOSITS
 PLS Saving Bank Account
 BOP Behtareen Munafa Account
 Corporate Premier Account
 BOP FCY Supreme Saving Account
 BOP Young Lions Saving Account
 BOP PLS Direct Pension Credit Account
 BOP Asaan Saving Account

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3.1.4 TERM DEPOSITS
BOP Pahlay Munafa Deposit Scheme
 BOP Bonus Munfa Term Deposit
 Corporate Premier Term Account
 BOP Bai Misaal Term Deposit
3.1.5 BANCASSURANCE
3.1.1 RETAIL BANKING INTRODUCTION
Customers are always the top priority for Retail Banking, and we offer a range of solution-
driven and cost-effective products and services that cater to all segments of society. We
believe in excellence and innovation. RBG has been striving to capitalize on the right
opportunities for a mix of the population; we provide solutions!
With our strong presence through our wide spread network of 347 conventional branches all
over Pakistan, we offer a wide and innovative range of banking services, with a mix of value
added services like Automated Teller Machines and Virtual Retail Banking, known as Online
Banking. To facilitate overseas Pakistanis, we provide Home Remittances services in all
branches.
Our customers are what make us a true people’s bank. We offer our expertise to all segments
of the society, including dedicated products for senior citizens, ladies, agriculturists and
minors, besides various products for business concerns
3.1.2 CURRENT DEPOSITS
BOP TIJARAT ACCOUNT
This is a chequing account deposit product especially designed to cater the needs of business
Individuals as well as Business entities including Partnerships, Limited / Unlimited
Companies, Not for Profit organizations, Trusts and any other business oriented government /
Semi government entity.

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SALIENT FEATURES
 This is a Nonprofit bearing account with many value added features on maintaining
monthly average balance of Rs.25,000/- and over.
 Free online, IBFT Facility.
 ATM/Over the Counter Cash Withdrawal Insurance upto Rs.25,000/- per day (terms,
conditions & exclusions of insurance company will apply).
 Business Assets Insurance upto Rs.1 million (terms, conditions & exclusions of
insurance company will apply).
 Free ATM/Debit Card ( Issuance is free and for subsequent years, if the annual
average balance is Rs. 25,000/- then NIL charges , otherwise as per SOC )
 Free issuance of Cheaque Books (no limit).
 Free Locker facility ( small & medium) subject to availability & on maintaining
annual average balance of Rs. 1,000,000/- and above. However, Key Deposit to be
taken irrespective of maintaining annual average balance of Rs. 1,000,000/- and
above.
 Rs.5/- Flat for issuance of MT/TT.
 Free issuance of DD/PO/CDR.
 Free Collection of OBC upto thrice of last month’s average balance.
 Free e-banking facility to view account balance and statement of account is available.
 SMS Alert facility is available subject to payment of annual charges as per bank’s
schedule of charges.
 Free of Cost Utility Bills Deposit Facility through BOP ATM Network, BOP Phone
Banking and self service IVR system is available.
BOP LIFE CURRENT ACCOUNT
This is a current chequing account deposit product available for individuals with a Free of
Cost Life Insurance Cover.

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SALIENT FEATURES
 This is a Non profit bearing account with value added features on maintaining
monthly as well as quarterly minimum average balance of Rs.5,000/-
 Free ATM/Master Debit Card (issuance & renewals).
 Free Online – within city/ Intercity (Cash and Transfer Both).
 Free Pay Orders and Demand Drafts.
 Free of cost Life Insurance cover which is equivalent to three times of last three
months average balance of account with an upper limit of Rs 2.0 Million (terms,
conditions & exclusions of insurance company will apply).
BOP SALARY PLUS ACCOUNT
This is a current chequing account product which can be opened by any salaried individual
who is working for an organization that is maintaining its salary disbursement account with
BOP.
SALIENT FEATURES
 The main focus is on employees of govt/semi govt organizations, their allied
corporations, autonomous bodies and private sector entities
 This is a Non profit bearing account
 Free Issuance of 1st ATM/Master Debit Card
 Free Online Transfer Facility (upto 3 Gross Salaries in a Month)
 Free Collection of Outstation Cheaques (upto 3 Gross Salaries in a Month)

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 Free Life Insurance of Rs.500,000/- on maintaining Minimum Monthly Balance of
Rs.50,000/- (terms, conditions & exclusions of insurance company will apply)
 Consumer Loan Facility on Attractive Terms.
 Option to avail salary loan (terms and conditions apply)
BOP YOUTH EDUCATION ACCOUNT
This is a current chequing account product especially designed for young students studying in
schools, colleges and universities with additional feature of Free of Cost Education Insurance
Coverage on maintaining Minimum Monthly Average Balance of Rs.100,000/-.
SALIENT FEATURES
 The product is especially designed for students attending any kind of educational
institution.
 This is a Non profit bearing account.
 Students upto age of 30 years will be allowed to open the account in this scheme. If
the age of student is below 18 years, minor/guardian account will be opened and
new/normal YEA account will be opened upon submission of CNIC of the student, as
per existing procedure.
 Account can only be opened in Minor/Guardian and Student categories. Joint
Accounts are not permitted.
 There is no minimum balance limit hence account maintaining charges will not be
applicable.
 Free of cost ATM/Master Debit Card (issuance & subsequent renewals).

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 Issuance of free of charges Payment Orders/ Demand Drafts favouring any
Educational Institution.
 The Student qualifying for education cover must be an account holder for atleast One
Calendar Month.
 Student will be provided Insurance cover as long as he/she is less than 30 years of age
or his/her parent/guardian is in the age band of 18-60 years. Frequently Asked
Questions
 Bank will provide free of cost education insurance cover to student amounting
Rs.20,000/- per month for 24 months in case of Natural Death and Permanent Total
Disability of Parent/Guardian (one person only), whose name has been reported to the
bank at the time of account opening.
 In case of Accidental Death, the insurance cover will be doubled to Rs.40,000/- per
month for 24 months. Terms, conditions & exclusions of insurance company will
apply.
BOP FCY SUPREME CURRENT ACCOUNT
2.2.1.1.1 (US $, EURO & U.K Pound)
This is a foreign currency current account product available for all customers who are eligible
to open a FCY current account as per Bank’s criteria. There are certain value added
attractions on maintaining minimum balance of USD 10,000 or EURO 8,000 or GBP 7,000.
SALIENT FEATURES
 Free ATM/Debit Card for PKR A/C (issuance and subsequent renewals).
 Free issuance of one Cheaque Book per month.

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 Free Locker Facility (small and medium) with same title, subject to availability and
after maintaining average balance for six months.
 Free OBC Facility (in PKR CD Account, with same title).
 Free issuance of DD/PO/MT/TT/CDR in PKR (Rs.5/- flat per transaction).
 Free online facility from PKR account (Rs.5/- flat per transaction).
BOP CURRENT ACCOUNT
This is a chequing account deposit product especially designed to cater the day to day needs
of individuals as well as business entities.
SALIENT FEATURES
 This is a Non profit bearing chequing account.
 The deposit product is available for all types of general public including individuals,
partnership, Public / Private Limited Companies, Trust, Not for profit organizations,
government and semi government organizations and any type of business entities.
 No limit for debit / credit transactions.

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BOP CURRENT DIRECT PENSION CREDIT ACCOUNT
This account is being opened in light with Supreme Court’s SUO MOTO notice ( in year
2007) regarding problems being faced by the pensioners and its subsequent order that pension
may be disbursed through all branches of all the licensed banks in Pakistan.
CDP is a chequing account which can be opened by any individual/single pensioner. The type
of account is CDP – Current Direct Pension Credit Account. Purpose of account opening will
be specifically mentioned on the AOF as “Direct Credit of Pension” only.
SALIENT FEATURES
 Copy of Pension Book mentioning monthly amount of pension and other particulars
will also be required alongwith other documents as required in case of individual
accounts.
 Pensioner & Co-indemnifier will indemnifying the bank (on stamp paper) to the
extent of six month’s aggregate pension amount or authorize the bank to mark lien on
his/her account upto this amount either by depositing cash or by no withdrawal of
monthly pension upto six consecutive months.
 No fee or service charges for maintaining such account will be charged.
BASIC BANKING ACCOUNTS
SALIENT FEATURES
 This is a Non profit bearing chequing account product.
 The deposit product is available especially for customers like students, mustehkeen-e-
zakat, salary accounts of government and semi government employees, pensioners,
widows and children of deceased employees eligible for family pension/benevolent
fund grant.

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 The Account can be opened with an initial/minimum deposit of Rs.1,000/-
 No fee (service charges) for maintaining such accounts will be charged.
 There is no limit for maintaining minimum balance in the account. However; if
balance in BBA account remain "NIL" for continuous (06) months period, such
accounts will be closed by the bank.
 Account holder will be allowed a maximum of 2 deposit transactions and 2 chequing
withdrawals, free of charge either through cash/through clearing per month otherwise
service charges of a regular banking account shall be applicable for that month as per
Bank's Schedule of Charges.
 Unlimited free of charge ATM withdrawals from Bank's own ATM's will be allowed.
BOP ASAAN CURRENT ACCOUNT
Opening of a bank account is not an easy task nowadays. A long list of formalities is required
to open a bank account. The Bank of Punjab is now introducing a simplified account "BOP
Asaan Current Account". This is a current chequing account for low risk common
people/individuals who face difficulties in account opening due to strict
requirements/formalities. These segments of society may include but are not limited to self
employed, pensioners, students, farmers, women/housewives, young adult population, work
force etc.
SALIENT FEATURES
 This is a non profit bearing account with value added features.
 Account can be opened with s low as Rs.100/- initial amount.
 Account can be opened as individual, joint or minor type.

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 Account can be opened with minimum formalities and on one pager account opening
form.
 There is no minimum balance requirement.
 There are no Service Charges.
 The account will preferably be ATM/Debit Card based. However; cheaque book may
be issued as per choice of the customer.
 Master Debit Card at subsidized rate of Rs.250 per annum for both issuance and
renewals.
 1st cheaque book of 25 leaves is Free.
 Online – within city/ Intercity (Cash and Transfer Both) as per SOC which are at
present NIL.
 SMS Alert service is available at subsidized rate of Rs.400/- (plus taxes) per annum.
 Per Month Total Debit Limit is Rs.500,000/-
 Total Credit Balance limit is Rs.500,000/-
 Account can be converted into normal current account after completion of remaining
formalities if later on, accountholder requires financial services for higher amounts
than the above specified limits.
 Existing Basic Banking Accounts (BBA) can be converted into BOP Asaan Current
Account as per terms & conditions.
3.1.3 SAVING DEPOSITS
PLS SAVING BANK ACCOUNT
SALIENT FEATURES
 This is a profit bearing cheaquing account product.

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 The deposit product is available for all types of general public, govt/semi govt
organizations, companies, business entities etc who are eligible to open account as per
bank’s criteria.
 The Account can be opened with an initial/minimum deposit as stipulated by the Bank
from time to time unless specifically exempted.
 Calculation of profit is on monthly average balance method.
 Payment of profit is on half yearly basis.
BOP BEHTAREEN MUNAFA ACCOUNT
This is a PLS Saving Bank deposit product for general public, govt/semi govt organizations,
companies, business entities etc who are eligible to open account as per bank’s criteria.
SALIENT FEATURES
 This is a chequing account product.
 Calculation of profit is on monthly average balance basis.
 Profit payment is on monthly basis.
 Free complimentary issuance of first ATM/Debit Card.
 Free of Cost Utility Bills Deposit Facility through BOP ATM Network, BOP Phone Banking
and self service IVR system is available.

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CORPORATE PREMIER ACCOUNT
This is a PLS Saving Bank deposit product especially designed to cater the needs of business
entities. Account can be opened singly or jointly.
SALIENT FEATURES
 This is a profit bearing chequing account product.
 Especially designed for Corporate Clients.
 Calculation of profit is on monthly average basis.
 Payment of profit is on monthly basis.
 Priority banking and counter services.
BOP FCY SUPREME SAVING ACCOUNT
3.1.4.1.1 (US $, EURO & U.K Pound)
This is a foreign currency saving account product available for all customers who are eligible
to open a FCY saving account as per Bank’s criteria. There are certain value added attractions
on maintaining minimum balance of USD 15,000 or EURO 12,000 or GBP 10,000.
SALIENT FEATURES
 Free ATM/Debit Card for PKR A/C (issuance and subsequent renewals).
 Free issuance of one Cheaque Book per month.
 Free Locker Facility (small and medium) with same title, subject to availability and after
maintaining average balance for six months.
 Free OBC Facility (in PKR CD Account, with same title).
 Free issuance of DD/PO/MT/TT/CDR in PKR (Rs.5/- flat per transaction).
 Free online facility from PKR account (Rs.5/- flat per transaction).

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BOP Young Lions Saving Account
This is a PLS Saving Bank deposit product which provides a disciplined method of savings to
all the children. The account will be opened with Parent/Guardian.
SALIENT FEATURES
 This is a chequing account product.
 It is available for all children less than the age of 18 years.
 Account will be opened as Minor account with Child (M)/Parent or Guardian (G).
 Calculation of profit is on monthly average balance basis.
 Payment of profit is on monthly basis.
 Free complimentary issuance of first Cheaque Book of 25 leaves.
 Free complimentary issuance of first ATM/Debit Card.
BOP PLS DIRECT PENSION CREDIT ACCOUNT
This account is being opened in light with Supreme Court’s SUO MOTO notice ( in year
2007) regarding problems being faced by the pensioners and its subsequent order that pension
may be disbursed through all branches of all the licensed banks in Pakistan.
PDP is a chequing account which can be opened by any individual/single pensioner. The type

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of account is PDP – PLS Direct Pension Credit Account. Purpose of account opening will be
specifically mentioned on the AOF as “Direct Credit of Pension” only.
SALIENT FEATURES
 Copy of Pension Book mentioning monthly amount of pension and other particulars
will also be required alongwith other documents as required in case of individual
accounts.
 Pensioner & Co-indemnifier will indemnifying the bank (on stamp paper) to the
extent of six month’s aggregate pension amount or authorize the bank to mark lien on
his/her account upto this amount either by depositing cash or by no withdrawal of
monthly pension upto six consecutive months.
 No fee or service charges for maintaining such account will be charged.
BOP ASAAN SAVING ACCOUNT
Opening of a bank account is not an easy task nowadays. A long list of formalities is required
to open a bank account. The Bank of Punjab is now introducing a simplified account "BOP
Asaan Saving Account". This is a saving chequing account for low risk common
people/individuals who face difficulties in account opening due to strict
requirements/formalities. These segments of society may include but are not limited to self
employed, pensioners, students, farmers, women/housewives, young adult population, work
force etc.
SALIENT FEATURES
 This is a profit bearing account (normal PLS Saving Bank profit rate as declared from
time to time) with value added features.
 Account can be opened with s low as Rs.100/- initial amount.

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 Account can be opened as individual, joint or minor type.
 Account can be opened with minimum formalities and on one pager account opening
form.
 There is no minimum balance requirement.
 There are no Service Charges.
 The account will preferably be ATM/Debit Card based. However; cheaque book may
be issued as per choice of the customer.
 Master Debit Card is subsidized at Rs.250/- (plus taxes) per annum for both issuance
and renewals.
 Online facility (within city/ Intercity) available as per SOC.
 Per Month Total Debit Limit is Rs.500,000/-
 Total Credit Balance limit is Rs.500,000/-
 Account can be converted into normal saving account after completion of remaining
formalities if later on, accountholder requires financial services for higher amounts
than the above specified limits.
3.1.4 TERM DEPOSITS
BOP PAHLAY MUNAFA DEPOSIT SCHEME
This is a PLS Saving Bank deposit product and is available for all types of customers who are
entitled to open bank account.
SALIENT FEATURES
 This is a Fixed Deposit scheme.
 Minimum amount of investment is Rs.50,000/-
 No limit for maximum amount.

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 Product is available in flexible placement periods of 3, 6, 12, 15 and 18 months.
 Profit is being paid in advance at the time of placement of deposit.
 Best profit rates being offered in the market.
 Free Issuance of ATM/Debit Card.
 Can avail finance as per bank’s policy in vogue.
BOP BONUS MUNAFA TERM DEPOSIT
BOP Bonus Munafa Term Deposit (BMTD) a PLS saving Bank deposit product available for
general public i.e. everyone who is eligible to open bank account and invest as per bank’s
criteria. The term account can be opened singly or jointly.
SALIENT FEATURES
 This is a Fixed Deposit scheme.
 Minimum amount of investment is Rs.50,000/- and no limit for maximum amount.
 Product is available in flexible placement periods of 1-Month to 5-Years.
 Payment of profit is on Monthly Basis.
 Profit payment can be made in any account (saving or current) of the customer but for
eligibility of bonus bps points, one current account of any type must be linked with
BOP Bonus Munafa Term Deposit.
 In case customer maintains monthly average balance of atleast 25% of total
outstanding BMTD(s) amount in his/her linked current account of any type (CD,
BTA, BBA, LCA, SPA, YEA etc), then his/her account will qualify for a top up profit
rate of (additional) 75 bps for the month.
 If at any point requirement of 25% monthly average deposit in linked current account
is not met, 75 bonus bps points will not be awarded for the month.
 In case of premature encashment, customer will be entitled to profit payment of
expired period at the minimum saving rate prevailing at the time of encashment, as
per existing procedure in vogue and already paid excess profit will be recovered.
 Best profit rates being offered in the market.

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 Upto 90% Financing Facility as per bank’s policy in vogue.
CORPORATE PREMIER TERM ACCOUNT
This is a PLS Saving Bank deposit product especially designed to cater the needs of business
entities. Term Account can be opened singly or jointly.
SALIENT FEATURES
 This is a profit bearing fixed deposit product
 Especially designed for Corporate Clients
 Minimum amount of investment is Rs.500 (M)
 No limit for maximum amount
 Flexible placement periods of 1 month, 3 months, 6 months, 1 year, 5 years and above
 Payment of profit is at Maturity alongwith principal
 Priority banking and counter services
 Can avail finance as per bank’s policy in vogue
BOP BAI MISSAL TERM DEPOSIT
This is a PLS Saving Bank deposit product available for general customers who are eligible
to invest as per bank’s criteria. The term account can be opened singly or jointly.
SALIENT FEATURES
 This is a Fixed Deposit scheme
 Minimum amount of investment is Rs.100,000/-
 No limit for maximum amount
 Product is available in 1 and 2 years tenure
 Best profit rates being offered in the market
 Payment of profit is at Maturity along with principal
 Up to 90% Financing Facility as per bank’s policy in vogue

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3.1.5 BANCASSURANCE
 "Bancassurance" means distribution of insurance products through bank’s distribution
channels. The concept of bancassurance in Pakistan took birth in 2003 but this sector
got encouragement during 2008-2009. This product attracted a number of banks in
Pakistan, especially those with large branch network and extensive clientele. At
present, there are more than twenty banks involved in the business of bancassurance
with different companies.
 This business is managed by Life Insurance Companies and falls under the purview of
Securities and Exchange Commission of Pakistan who has provided comprehensive
guidelines for Bancassurance which are mandatory to be followed by the banks &
insurance companies.
 The Bank of Punjab is in agency arrangements with M/s EFU Life Assurance Limited
for Bancassurance scheme whereby BOP will act as Corporate Distribution Agent for
certain insurance products of M/s EFU Life.
 Initially, The Bank of Punjab is offering under-mentioned four Banca Products:
1 BOP-YOUNG LION
BOP-Young Lion provides a complete financial planning package for parents to plan for their
children’s’ future education. The plan provides a disciplined method of saving for the
children’s future education and helps parents accumulate an endowment fund over a savings
period which can be used to pay for their children’s college or university education.
UNITED ACCUMULATION AND INVESTMENT FUND
Every contribution paid towards the plan is invested in an internal investment fund of EFU
Life selected by the customer. The contributions are utilized to buy units of the fund at the
prevailing offer price. The objective of the funds is to maximize capital growth by investing
in a balanced portfolio spread across a wide range of investment opportunities. The fund is
managed by investment experts who adjust the mix of the underlying investments in light of
economic conditions and investment opportunities.
FUND SELECTION OPTION
Under this option the policyholders of The Bank of Punjab have an option to select a unit
fund based on their risk appetite and investment objective at the inception of their policies:

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 EFU Managed Growth Fund
 EFU Guaranteed Growth Fund
 EFU Itemed Growth Fund
BUILT-IN WAIVER OF PREMIUM BENEFIT
In case an individual is unable to follow his/her occupation due to sickness or accident, the
contribution of the plan would be made by EFU Life.
BUILT-IN INCOME BENEFIT
Under the built-in Income Benefit, the plan would ensure that a quarterly income is paid to
the family in case of the unfortunate death of the life assured during the plan term. The
customer has a choice of selecting any one of the four levels of income i.e.
 Rs. 9,000 quarterly
CONTINUATION BENEFIT
In the unfortunate event of death of the life assured during the savings term, the built-in
“Continuation Benefit” ensures that the targeted fund at maturity is achieved. EFU Life will
continue to make the contributions towards the plan so that the education planning is not
discontinued.
ACCESS TO SAVINGS AT ALL TIMES
The plan provides complete access to the accumulated fund value at all times. After the
contributions have been paid for two full years, the fund can be withdrawn for its full or
partial value with specific conditions.
ADDITIONAL BENEFIT RIDER
To customize the plan according to the needs of individual customers, additional benefit rider
is available which can be attached to the plan.

26
PREMIUM CONTTRIBUTION
The minimum annual basic plan premium is Rs. 9,000.
Monthly premium payment mode is only valid for policies with annual basic plan premium of
Rs. 18,000 and above.
APPLICABLE AGES & TERMS
The minimum and maximum ages for individuals at entry are 18 and 60 years next birthday
respectively. The minimum savings term available is 10 years while the maximum is 25
years. The savings term has to be selected in such a way that the maximum age of the
customer at the end of the savings term is not more than 70 years.
DISCLAIMER
 This product is underwritten by EFU Life Assurance Ltd. It is not guaranteed or
insured by The Bank of Punjab or its affiliates and is not The Bank of Punjab product.
 EFU Life Assurance Ltd is registered and supervised by Securities and Exchange
Commission of Pakistan.
 The contributions in the plan are invested in any one of the mentioned growth fund as
chosen by the policyholder.
 A personalized illustration of benefits will be provided to you by our sales
representative. Please refer to the notes in the illustration for detailed understanding of
the various Terms and Conditions.
 Service charges and taxes will be applicable as per the bank’s “Schedule of Charges”
and taxation laws as stipulated by the relevant authorities.
 A description of how the contract works is given in the policy provisions and
conditions. This page only gives a general outline of the product features and benefits
and the figures used are indicative and for illustration purposes only.
2 BOP-MARRIAGE PLAN
Having worked hard for success, one may realize the value of saving for the future. As head
of the family multiple roles come into play. One of the key roles is being a responsible,
caring parent. To make sure the child gets the best of everything one will always do

27
everything that can be done like taking care of expenses such as a son’s or daughter’s
marriage.
With a good investment plan, these expenses can be met with ease and the protection of a life
cover could be enjoyed as well.
UNITED ACCUMULATION AND INVESTMENT FUND
 EFU Aitemad Growth Fund
BUILT-IN WAIVER OF PREMMIUM BENEFIT
DEATH BENEFIT
In the unfortunate event of death of the life assured during the savings term, the built-in
“Continuation Benefit” ensures that the targeted fund at maturity is achieved. EFU Life will
continue to make the contributions towards the plan so that the required funds are available
for the child’s future marriage expenses.

28
ADDITIONAL BENEFIT RIDER
To customize the plan according to the needs of individual customers, additional benefit rider
is available which can be attached to the plan.
PREMIUM CONTRIBUTION
The minimum annual basic plan premium is Rs. 9,000. Monthly premium payment mode is
only valid for policies with annual basic plan premium of Rs. 18,000 and above.
APPICABLE AGES & TERMS
DISCLAIMER

29
3 BOP-SAVING PLAN
BOP-Saving Plan is a high value savings and investment vehicle which also provides
valuable life insurance coverage. The large funds accumulated during the savings term can be
utilized for higher education or marriage of children, buying a house, providing regular
income after retirement and any other purposes. The plan is highly flexible and responds to
an individual’s needs.
The plan aims to accumulate contributions and provide a large sum at the end of the savings
term. In addition it provides valuable life insurance coverage during the entire savings period.
UNIT ACCUMULATION AND INVESTMENT FUND
BUILT-IN ACCIDENTAL DEATH AND DISABILITY BENEFIT
The plan provides immediate funds in case the life assured dies due to accidental cause or
suffers a disability. The amount of payout is 10 to 20 times the basic annual premium with a
maximum payout limited to Rs. 5 million.

30
BUILT-IN WAIVER OF PREMIUM BENEFIT
INVESTMENT WITH A “SAFETY NET”
The moment one starts saving with the Saving Plan he will enjoy a guaranteed level of life
assurance protection. This cover means that in case of death the dependants will receive
 The greater of the sum assured or the cash value of the plan at the date of death, AND
 Any cash value of the FAP payments
SUM ASSURED
This is the guaranteed amount payable on death. The sum assured may be selected from a
range depending on the age at entry. The sum assured is determined as the Basic plan annual
premium multiplied by the “Protection Multiple” which can be selected from the following
table:
Age Protection Multiple
18 – 35 5 to 75
36 – 40 5 to 50
41 – 49 5 to 35
50 – 60 5 to (70 - age)
partial value.

31
ADDITIONAL BENEFIT RIDERS
To customize the plan according to the needs of individual customers, additional benefit
riders are available which can be attached to the plan.
LOYALTY BOUNS ALLOCATION
A Loyalty Bonus Unit Allocation applies every 5 years, starting from the 11th policy year.
The bonus allocation is a percentage of the average Basic Plan contribution paid up to the
policy year immediately prior to the year in which Loyalty Bonus is to be allocated.
The extra unit allocation, in addition to the basic plan contribution is as follows:
Policy year Extra unit allocation
11 30%
16 45%
21 60%
26 75%
31 90%
And so on in later years
AGE ELIGIBILITY
The minimum and maximum ages at entry are 18 and 60 years next birthday respectively.
TERM
The minimum savings term available is 10 years while the maximum is 45 years. The savings
term has to be selected in such a way that the age of the customer at the end of the savings
term is between 60 to 70 years.

32
The minimum annual basic plan premium is Rs. 9,000.
Monthly premium payment mode is only valid for policies with annual basic plan premium of
Rs. 18,000 and above.
DISCLAIMER
4 BOP-RETIREMENT PLAN
Ensuring that retirement is planned for is vital; otherwise one may turn into the vast numbers
of retired people who cannot maintain a decent standard of living. Retirement Plan is an
effective means of achieving financial independence in retirement. The contributions to this
plan are invested in accumulation units to build up substantial capital. At retirement, this
capital is applied to provide a pension payment from the age of 60 years.
In addition to the retirement benefits, the plan also gives the opportunity to provide a range of
protection benefits enabling the plan to be tailored to ones needs.

33
UNIT ACCUMULATION AND INVESTMENT FUND
A RANGE OF BENEFIT OPTIONS
The plan allows one to choose from a whole range of options. During the plan term, one may
select to withdraw the full or partial fund value. At retirement age of 60 and onwards, there is
an option to select a pension option from the options given below (provided the policy had
been inforce for at least five policy years):
1. Guaranteed pension for 10 years, and thereafter for life of the customer
2. Life pension payable as long as the customer is alive
3. Joint Life pension payable to the customer, and on his/her death 50% continues to be paid
to the spouse
In case funds are also needed at retirement, 25% of the retirement fund value can be
withdrawn as a lump sum amount, and the remaining 75% can be used to provide pension
under any of the options selected above.
GUARANTEED LOYALTY BONUS
The longer the plan is continued, the higher the rewards. The plan offers generous loyalty
bonuses in the form of extra units in the fund if it is continued without any breaks beyond a

34
period of 10 years. The bonus is allocated to the plan every 5 years and will increase the
underlying accumulated fund value rapidly.
BUILT-IN ACCIDENTAL DEATH AND DISABILITY BENEFIT
The plan provides immediate funds in case the assured parent dies due to accidental cause or
suffers a disability. The amount of payout is10 to 20 times the basic annual premium with a
maximum payout limited to Rs. 5 million.
DEATH BENEFIT
The moment one starts saving with the Retirement Plan he will enjoy life assurance
protection. This cover means that in case of death the dependants will receive
 The greater of the sum assured or the cash value of the plan at the date of death, AND
 Any cash value of the FAP payments
SUM ASSURED
This is the guaranteed amount payable on death. The sum assured may be selected from a
range depending on the age at entry. The sum assured is determined as the Basic plan annual
premium multiplied by the “Protection Multiple” which can be selected from the following
table:
Age Protection multiple Range
18 to 49 5 to 35
50 to 60 10 o (70 – age)
MATURITY BENEFIT
The amount payable at maturity is equal to the cash value of the fund at the time of maturity.
This amount can be utilized to purchase pension as well.

35
ADDITIONAL BENEFIT RIDERS
To customize the plan according to the needs of individual customers, additional benefit
riders are available which can be attached to the plan.
LOYALTY BONUS ALLOCATION
A Loyalty Bonus Unit Allocation applies every 5 years, starting from the 11th policy year.
The bonus allocation is a percentage of the average Basic Plan contribution paid up to the
policy year immediately prior to the year in which Loyalty Bonus is to be allocated.
The extra unit allocation, in addition to the basic plan contribution is as follows:
Policy year Extra unit allocation
11 30%
16 45%
21 60%
26 75%
31 90%
And so on in later years
APPLICABLE AGES & TERMS

36
The minimum annual basic plan premium is Rs. 9,000. Monthly premium payment mode is
only valid for policies with annual basic plan premium of Rs. 18,000 and above.
DISCLAIMER
(3.2) RETAIL FINANCE
3.2.1 RETAIL FINANCE INTRODUCTION
 Car Lease - CarGar
 Apna Ghar House Financing
 Advance Salary Personal Loan
 BOP Solar
 Carvaan Fleet Financing
3.2.2 APNA ROZGAR SCHEME

37
3.2.1 RETAIL FINANCE INTRODUCTION
We at, Retail Finance Division (RDF) are catering the needs of household customer segment
by offering them a diversified consumer product range. These customized solutions are
offered at market compatible rates through our dedicated state of art Consumer Financing
Centers (CFCs) located across Pakistan. These products include everything from cars to
houses. Moreover, we are pioneer bank in solar financing.
RFD is also playing active role in supporting GOPb’s vision of providing employment
opportunities and sheltering to masses of Punjab through Yellow Cab, Apna Rozgar Scheme
and Ashiana Housing Finance Schemes.
We are offering the following products:
 Advance Salary loan
 Auto Financing (CarGar)
 Fleet Financing
 House Financing
 Apna Rozgar Scheme
 BOP Solar
AUTO FINANCING (CARGAR)
BOP Cargar (Auto Financing) is assisting the small and large businessmen, salaried
individuals in fulfilling their desire of having a car of their own, by helping them to purchase
local/ imported new or used vehicles at a very minimum documentation and flexible
financing options with low down payment.
HOUSE FINANCING
Your home is the center of your world, a place where you find peace and comfort. BOP
understands your desire to make your house truly your home. BOP House Financing ensures
this happens.

38
ADVANCE SALARY LOAN
A need based unsecured term loan that can help you meet your immediate financial needs,
through cash pay back vide equal monthly installments.
3.1.4.1.2 Installment Matrix:
Loan Amount 1 Year 2 Years 3 Years
100,000 9,384 5,213 3,845
125,000 11,729 6,516 4,806
150,000 14,075 7,819 5,767
200,000 18,767 10,425 7,690
BOP SOLAR
Power your home with solar energy Avail BOP‘s Revolutionary financing offer BOP is the
pioneer bank in financing option for customers to purchase solar power on east terms and
discounted prices
FLEET FINANCING
Carvaan Asan is making efforts to explore new opportunities and expand the horizons by
taking your business to new destinations. BOP Carvaan Fleet Financing is offering
commercial vehicles on easy and simple financing options by leasing Cars, Vans, Small and
Large Trucks etc. with Tracker facility.
3.2.2 APNA ROZGAR SCHEME
Bop Financed 50,000 vehicles (Suzuki Ravi and Suzuki Bolan) subsidized by GoPb.

39
(3.3) AGRICULTURE PRODUCTS
3.3.1 AGRICULTURE INTRODUCTION
3.3.2 PRODUCTS
 Kissan Dost Production Loan
 BOP Tractor Lease
 Kissan Dost Lease Finance Facility
 Kissan Dost Cold Storage Finance Facility
 Kissan Dost Green House Finance Scheme
 Kissan Dost Livestock Development Scheme
3.3.3 AGRICULTURE SCHEME MARKUP
3.3.1 AGRICULTURE INTRODUCTION
AGRICULTURE LOANS
NURTURES THE BEST IN NATURES:
Our Strategic Business Plan identifies Agriculture as a priority sector. Agriculture is the base
on which the edifice of national economy is built and, needless to emphasize, also constitutes
the fulcrum for poverty alleviation, employment generation and over all prosperity of the
farmer.
Our countrywide network of branches, that too predominantly at tensile level/remote rural
locales and environs, affords us advantageous flexibility, outreach and demographic coverage
to access and serve the Agrarians at their convenience on their doorsteps. Our staff includes
over 125 professionally qualified and well trained Agriculture Credit Officers, fully
conversant with latest farming procedures and practices and well versed in customs, norms,
social ethos and aspirations of our tillers. Through our team, we are actively involved in
disseminating information, imparting knowledge and rendering practical assistance at the
level of every individual customer.
We possess the scientific wherewithal to encourage farmers to invest in state of the art
equipment, tools and implements etc. in the Dairy sector, especially in the wake of ever rising
demand for Dairy Products. We enable our customers to achieve even greater productivity by

40
enabling enhanced milking capacity, quality assurance, proper preservation and secure
storage, as well as transportation to processing facilities. We have also recently launched
Livestock Development initiatives, while our scheme for Fish Farming too has gained great
popularity and success.
3.3.2 PRODUCTS:
KISSAN DOST PRODUCTION LOAN FOR PURCHASE OF FARM INPUTS
Particulars Bank’s Policy
Purpose
To provide short-term facility to the Individual & Corporate farmers for
purchase of Farm Inputs (Seeds, Fertilizers, Pesticides, Fungicides etc)
Target Market
The scheme shall provide short-term facility to the
a. Owner / Self-cultivator/resident farmers
b. Owner + family land (only spouse & Children)
What is
Eligibility
Criteria
 Resident/Self Cultivating farmers having cultivated agriculture land
minimum 10 Acres
 Should not be a defaulter of any Financial Institution
 Should have security free of all encumbrances to be offered as collateral
 Should have Computerized National Identity Card
 Age Limit: 21-60 years (till maturity)
Amount of
Facility
Production Loan
(Running Finance Facility)
Minimum Rs. 500,000/- & Maximum up to Rs. 30,000,000/- The limit
will be determined on the basis of crop pattern and area under
cultivation.

41
Markup 6-month KIBOR (H) + 600BPS without floor or cap rate P.A.
Security
 Charge on Agri Land Through pass book
OR
 Mortgage of Urban/Commercial Property
OR
 Liquid security in shape of Bank’s Fixed Deposit Receipts, Defense
Saving Certificate/National Saving Certificate or Regular Income
Certificate
 Two written satisfactory market verified reports
BOP TRACTOR LEASE
Approved Tractors
All Models Millat Tractors / Messay
Ferguson
All Al Ghazi
Tractors
Models
Tenure 05 Years maximum
Eligibility Criteria
 Minimum land ownership of 5 Acres (irrigated land)/ 10
Acres (Arid land)
 Age should be between 21- 65 ( Max. 65 years at maturity)
 Should not have write off history
Markup Rate Fixed Rate: 15% p.a.Rate will remain fixed for whole tenure

42
Equity/LKM
Land Holding (Acres) LKM
Irrigated land: 15 Acres OR Arid land: 30 Acres 20%
Repayment 10 installments(Biannually). 1st May & 1st November
Securities:
 Registration of Tractor in the name of bank
 Bank’s charge on Agri land through Zari Passbook
Processing Fee including
FED (Non-refundable)
Rs. 5,000 per tractor.( The bank will not charge for ECIBs,
Nadra Verisys and cost of Charge documents)
Insurance & Tracker Cost Actual (to be paid by lessee)
Down Payment
LKM + Processing fee+ insurance Premium (1st year) +
Registration charges (At Actual)
KISSAN DOST LEASE FINANCE FACILITY
Purpose
The scheme has been designed to provide financial assistance to farmers
for purchase of Agri implements/Machinery etc. exclusively for agri
related activities including but not limited to the following:
1. • Tube wells & Turbines
2. • Trolleys
3. • Threshers
4. • Ploughs and other implements

43
5. • Pick up vans
6. • Tractors for commercial use (agri related activities)
7. • Bio gas plant
8. • Any other Agri related asset
9. • Islah e Arazi
10. • Land Levelling
What is
Eligibility
Criteria
 Resident/Self Cultivator having owned Agriculture Land minimum 05
Acres and maximum 50 Acres
 Should not be defaulter of any financial institution.
 Should have security free of all encumbrances to be offered as collateral
(except for encumbrances of BOP)
 Age: 21-65 years (till maturity)
Amount of
Facility
Maximum Rs 10. Million
The facility shall be provided considering the land holding and cash
flows of the borrowers in order to justify the requested amount of
finance and secure the bank’s interest.
Markup Fixed rate of 15% p.a.
Security
 Leased assets (Registration of Tractors/Vehicles and purchase receipts
of other equipment/machinery in the name of the Bank)
 Charge on agriculture land through Agri Passbook
OR
 Charge on Urban immovable property through equitable/ registered
mortgage
 Bank’s approved legal counsel clearance and the Bank’s and PBA’s

44
approved surveyor’s assessment
OR
 Liquid security in shape of Bank’s Fixed Deposit Receipt / DSC/NSC or
Regular Income Certificate
 One Personal Guarantee of an individual having adequate tangible net
worth
Tenure of
Facilities
3 to 5 years from the date of disbursement
Loan
Repayment
Equal half yearly installments (Principal Markup)
KISSAN DOST COLD STORAGE FINANCE FACILITY
Purpose
The purpose of this loan is to establish compartmentalized cold storage
units where perishable Agri commodities can be stored for a longer
duration to obtain a year round supply, reducing post-harvest losses.
What is
Eligibility
Criteria
 A genuine farmer
 Should have a suitable land to establish a compartmentalized cold storage
 Should not be a defaulter of any other Bank and the land under cultivation
should be free from all encumbrance.
 Age Limit: 21-65 years (till maturity)
Amount of
Facility
Maximum Rs. 50 Million
The facility shall be provided keeping in view the cash flows of the
borrower in order to justify the requested amount of finance and secure the
bank’s interest.

45
Markup
For D/F & L/F (Term Loan Facility): 15% P.A. Fixed rate
For R/F (Running Finance Facility): 03 M KIBOR + 500 BPS
Security
 Leased assets (Purchase receipts of other equipment’s/machinery in the
name of the Bank)
 Site will be mortgaged with BOP
OR
 Charge on urban immovable property through equitable/registered
mortgage
 The property should be cleared by the banks approved legal counsel and
will be assessed by the Banks and PBAs approved surveyor.
OR
 Liquid security in shape of Bank’s Fixed Deposit Receipt /DSC/NSC or
Regular Income Certificates.
worth.
 Two written satisfactory market verified reports.
Tenure of
Facilities
 5 Years from the date of disbursement (in case of D/F & L/F)
 1 year from the date of disbursement (in case of R/F)
Loan
Repayment
 Demand Finance Facility – 18 equal quarterly installments (Principal
Markup)
 Lease finance Facility – 20 equal quarterly installments (Principal
Markup)

46
 Running Finance Facility - markup will be recovered on quarterly basis
KISSAN DOST GREEN HOUSE FINANCE SCHEME
Purpose
To encourage the farmers to establish Green houses in order to increase
productivity and meet the growing demand of vegetables at affordable
prices.
TYPE OF GREEN HOUSES:
There are two type of greenhouses i-e:
 Metallic Construction
 Bamboo Construction
What is
Eligibility
Criteria
 A genuine grower
 Should have a suitable land to establish a Green House
 Should not be a defaulter of any other bank and should have a security
free of all encumbrances to be offered as collateral.
Amount of
Facility
Maximum Rs. 25.00 Million
borrower in order to justify the requested amount of finance and secure
the bank’s interest.
Markup
RFor RF facility: 03 M KIBOR + 500 BPS
Security
 Leased assets (Purchase receipts of other equipment’s/machinery in the
name of the Bank)

47
OR
mortgage
OR
worth.
Tenure of
Facilities
5 years from the date of disbursement (in case of D/F & L/F)
1 year from the date of disbursement (in case of R/F)
Loan Repayment
Markup)
Markup)
 Running Finance Facility – markup will be recovered on quarterly basis.
KISSAN DOST LIVESTOCK DEVELOPMENT SCHEME
1 For Construction of Sheds & Purchase of Milking Buffaloes/Calves
Fattening
Purpose Encourage dairy farmers to establish dairy farm to meet the growing

48
demand of dairy products at reasonable prices.
What is
Eligibility
Criteria
 Should be an experienced dairy farmer
 Should have a suitable land to establish a dairy farm
 Should not be a defaulter of any Bank and offers security free of all
encumbrances as collateral.
 Should hold a Computerized National ID Card
Amount of
Facility
Maximum: Rs 50.00 Million
borrower in order to justify the requested amount of finance and secure
the bank’s interest.
Markup
For RF facility: 03 M KIBOR + 500 BPS
Security
 Leased animals
OR
mortgage
OR

49
worth.
Tenure of
Facilities
Loan Repayment
Markup)
Markup)
2. For Construction of Controlled Poultry Sheds & Poultry Farming Finance Scheme
Purpose
To finance poultry Farmers for establishing Controlled poultry farm in
order to meet the growing demand of chicken products at reasonable
prices. The purpose of this scheme is to provide finance for:
 Construction of New Controlled Poultry Sheds
 Remodeling of existing conventional sheds into Controlled Sheds.
 Modernization / remodeling of existing sheds by replacing equipment /
machinery
 Purchase of Imported machinery / equipment related to Controlled Sheds.
What is
Eligibility
 A genuine farmer directly or indirectly engaged in Agri related activities

50
Criteria  Should have a suitable land to erect Controlled Sheds
 Should not be a defaulter of any Financial Institution
 Should have a security free from all encumbrances to be offered as
collateral.
 Should hold a Computerized National ID Card
Amount of
Facility
Maximum: Rs 50.00 Million
borrower in order to justify the requested amount of finance and secure the
bank’s interest.
Markup
For RF facility: 03 M KIBOR + 500 BPS
Security
 Leased Asset in case of Lease Finance Facility (receipt will be issued in
the name of Bank of Punjab)
OR
mortgage
OR

51
worth.
Tenure of
Facilities
Loan
Repayment
Markup)
Markup)
3.3.3 AGRICULTURE SCHEMES MARKUP
Name of Scheme Type Rate of Markup
Kissan Dost Production Loan Production
6-month KIBOR (H) + 600 BPS p.a
without floor & cap.
BOP Tractor Lease Tractor 15% p.a fixed rate.
Kissan Dost Lease Finance Scheme
For Agri Implements
Term
Loan
15% p.a fixed rate.
Kissan Dost Cold Storage Finance
Scheme (DF/L/F)
Term
Loan
15% p.a fixed rate.
Kissan Dost Green House Finance
Scheme (DF/L/F)
Term
Loan
15% p.a fixed rate.
Kissan Dost Livestock Development
Scheme (DF/L/F)
Term
Loan
15% p.a fixed rate.

52
Kissan Dost Livestock Development
Scheme (R/F)
R/F
3-month KIBOR (H) + 500 BPS p.a.
without floor & cap
(3.1) WHOLESALE BANKING
The Bank of Punjab has recently created a new segment of “Wholesale Banking (WB)”
targeted at providing seamless banking services to its Commercial and Corporate clients by
sharing maximum value with its relationships and to ensure improved services under one
roof. In order to take the bank one step further, 10 branches have been dedicated for this
Division. The Corporate & Investment Banking Group and Commercial Banking Group have
been replaced by two new units namely, Wholesale Banking-I (Karachi, Sialkot, Multan,
Gujranwala, Faisalabad & Jhang) and Wholesale Banking-II (Lahore, Rawalpindi,
Islamabad,). The proposed change is expected to bolster relationships with our valued
customers.
Services being offered through these 10 branches include origination & sales of banking
products that meet the expectations of its ever growing client base. Dedicated teams of
Relationship Managers ensure the delivery of our entire range of financial products and
services to our clients and provide tailored financial solutions to the customers with respect to
their business needs.
Apart from regular branch banking offered at these 10 branches, the following products are
also being offered:
 Project Finance
 Debt Syndications and Consortium Financing
 Corporate Finance
 Long Term/Demand Finance
 Working Capital Finance
 Letter of Credit, Contracts and Export collection services
 FE Loans, Pre and Post Shipment Export Financing
 Import Financing

53
 Bills Discounting
 Letter of Guarantees
 Cash Management Services and etc.

54
CHAPTER NO 4
OWN WORK
4.1 FILLING OF DEPOSIT SLIP
BRANCH:
Fill out the code of branch which represent to the branch
For Example: BOP Madina Town branch code: 0053
DATE:
Write the date when you deposit your money or cheaque into the bank.
ACCOUNT TITLE:
If the account is available into the bank in which your deposit the money or cheaque so than
write the name of the account title.
For Example: Umar Farooq
ACCOUNT NUMBER:
Than write down the account number of that person in which your deposit the money and
cheaque.
For Example: SPA 9596-5
ACCOUNT TYPE:
In it your tick on check box likes your account type:
 Current
 Saving
 Fix Deposit
CURRENCY:
You detail in which currency:
 Pak

55
 USD
 EURO
 GBP
 YEN
These are the few number of currencies in which mostly bank deals.
MODE OF COLLECTION:
What is this for the bank?
 Directly collection of Cash from customer.
 Normal clearing and collection from any other bank.
 Intercity Clearing like within city clearing.
 Same Day Clearing Like urgent clearing.
 Others mode of collection.
INSTRUMENT(S):
The type of instrument which deposit into the bank mostly two type of instruments which is
mostly detail in BOP Madina town Faisalabad.
 Cash
 Cheaque
If you deposit the cash, so than write the amount of cash in words on deposit slip.
If your deposit the cheaque into the bank, so than write the serial number of cheaque on
deposit slip.
CASH:
In this coloum you write the number of notes which you deposited into the bank
5000x
1000x
500x
50x

56
20x
10x
05x
Coins x
AMOUNT:
In this section you write the amount of per transition on deposit slip. If your deposited
cheaque and also cash into the bank, so than two transitions write at here.
GRAND TOTAL:
In this section total amount deposit by the client into the bank are write at here in figure.
TOTAL AMOUNT OF WORDS:
In this section the total amount which is to be deposited by the client into the bank write at
here in words.
(In case depositor is other than the A/c holder)
NAME OF THE DEPOSITOR:
In this section if the depositor is not account holder of the bank so than write down the name
of the depositor.
CONTACT NUMBER OF DEPOSITOR:
Write the phone number of the depositor in case if he/she is not to be the account holder of
the bank.
DEPOSITOR’S SIGNATURE:
After the completion of all process the depositor sign on deposit slip and then submit to the
related authorized person.
STAMP AND SIGNATURES OF AUTHORIZED:
Then after the completion of all over process, authorized person received the related
instrument(s) from depositor and then after verifying of these instruments approved it

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Stamp on deposit slip
4.2 BOP SMS BANKING REGISTRATION FROM
BRANCH CODE:
In form first of all we write the code of branch. The Code of BOP Madina Town Faisalabad
is 0053.
DATE:
Then we write up the day, month and year when the customer applies for SMS banking.
PERSONAL INFORMATION:
CUSTOMER CNIC:
First of all in personal information we fill the customer CNIC block as per their CNIC.
ACCOUNT TITLE:
Then we write up the Account Title which is to be issued to the customer at the time of
account opening.
ACCOUNT NUMBER:
The account number of the customer includes 17 digits in which 4 digit branch code + 13
account number.
MATERIAL STATUS:
Male or Female
MOBILE NUMBER:
First of all write the international code of your country Pakistan international code is +92
then write the mobile number.
EMAIL (IF AVAILABLE):
For Future personal information provides the email address this is beneficial for the customer
bank automatically provide the bank statement on your email address.

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BOP DEBIT MASTERCARRD OR APNA CASH CARD (IF AVAILABLE)
Then write up the 16 digit debit master card number which is show on your debit master card
(if available).
NOTE: SMS alerts well be against the following
 Account debit transactions
 Account credit transactions
Customer is able to avail your balance and reactivate and deactivate your card (Telco charges
apply)
AUTHORIZATION
Then there is acceptance from customer about activation of SMS banking service customer
sign on registration form and write that stated date.
FOR BANK USE ONLY:
Approved by: An authorized person of the bank.
Employee No.: Employee number of authorized person.
Designation: Designation of authorized person into bank.
Branch Code: Code of the Branch.
DATE ENTRY
Checked by: authorized people, who check the data entry their name mentioned at here.
Employee no.: Employee number in organization.
Designation: designation into the organization like Customer relationship manager
Signature: Signature of the Authorized person of BOP SMS banking form.
4.3 PAYMENT INSTRUMENT PURCHASE FORM
BRANCH:
Write the name and code of the branch through which your request of payment instrument.

59
Then there is a request of customer to bank for issuing of purchase instrument, like
I/we am/are/ requesting you for issuance/ purchasing the instrument, detail of which is as
under:-
DATE:
Then write that stated date when you said to the bank for issuing of instrument
Day, Month, Year
DRAWN ON (CITY):
Write the name r code if you now about that branch where you send the money or instrument.
TYPE OF PAYMENT INSTRUMENT:
There are following type of instrument show on the form which is as follows:
 Demand Draft
 Pay Order/CDR
 Mail Transfer
 TT/Swift
TYPE OF CURRENCY:
Select the type of currency in which customer deals with you some of them are as follow on
the form:
 PKR
 US$
 EURO
 GBP
 JPY
 Others
AMOUNT IN FIGURE:
Then write value of instrument in the form of figure, customer request to the bank for
issuance.

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AMOUNT IN WORDS:
Then write value of instrument in the form of words, customer request to the bank for
issuance.
BENEFICIARY DETAILS
NAME:
Name of recipient.
ACCOUNT#:
Account number of recipient.
CNIC/SNIC/PASSPORT# (WHERE APPLICABLE):
CNIC number is used if the instrument is issued for national level payment if instrument is
used for international level so than you are used Passport number at here.
BRANCH NAME:
Branch name and code of the recipient branch holder person.
NTN (CORPORATE ENTITIES):
National tax number if the recipient party is related to corporate entities.
ADDRESS:
Address of the recipient in him/her has a corporate entity.
CONTACT#:
Contact number of the recipient in case of any misuse of instrument secures the payment of
client.
CITY & COUNTRY:
Name of the city for national level payment and use the country if the instrument issued at
international level payment.

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APPLICANT’S DETAILS
NAME:
Write the name of applicant as per their account title or CINC.
ACCOUNT:
If he/she is already customer of the bank to write the account number of your which issued
the bank to your customer.
CNIC/SNIC/PASSPORT# FOR WALK IN CUSTOMER (COPY ATTACHED)
If applicant is not customer of the bank so than bank required the original CNIC from
applicant and also a photocopy of CNIC from Applicant and attach with form.
AADDRESS NTN (CORPORATE ENTITIES):
If the applicant has a corporate entities so than write the national tax number of the applicant.
CITY & COUNTRY:
Than the section of name and country of the applicant come.
CONTACT #:
Note down the contact number of the applicant through this applicant easy know that about
your instrument progress.
PURPOSE OF PAYMENT:
In this section you write down the reason why you apply for the instrument issuance.
SOURCE OF PAYMENT:
Write the source of payment at here this may be through cash cheaque.
SOURCE OF FUNDS (IF EXCEEDS Rs 5M):
If the amount of funds exceeds 5M so than your justify the source of funds from where these
funds you collected.

62
FOR BANK USE ONLY
PRINCIPAL AMOUNT:
Then bank asked from the applicant about the principal value of the instrument which
required to the applicant.
COMMISSION:
Then after selection of the principal amount of the instrument then bank charge the
commission on issuance of instrument.
WITHHOLDING TAX:
If the principal mount exceeds from a limit so then bank charge the withholding tax on all
over instrument value.
FED:
FED deducted as per rule and situation of the instrument.
SWIFT CHARGES:
Swift Deducted as per rule and situation of the instrument.
FAX CHARGES:
If applicant request to the bank for fax facility, so then bank charge the fax charges on their
fax services.
TOTAL DEDUCTION:
After the all charges bank calculate the all over amount and then write on the registration
form.
TYPE OF INSTRUMENT #
Then write the type of instrument which is required to the applicant mention at here.
APPLICENT’S / AUTHORIZED APPLICANT’S SIGNATURE:
After the filling of all the form then bank take the acceptance on the applicant of form and
then after ready all over term and condition applicant sign on the form.

63
CASH OFFICER:
After the completion of the all over process then registration form give to the cash officer and
after the verification of all over information give the approval of issuing of instrument.
CUSTOMER’S COPY
PRINICPAL AMOUNT:
Then bank asked from the applicant about the principal value of the instrument which
required to the applicant.
COMMISSION:
Then after selection of the principal amount of the instrument then bank charge the
commission on issuance of instrument.
WITHHOLDING TAX:
If the principal mount exceeds from a limit so then bank charge the withholding tax on all
over instrument value.
FED:
FED deducted as per rule and situation of the instrument.
SWIFT CHARGES:
Swift Deducted as per rule and situation of the instrument
FAX CHARGES:
If applicant request to the bank for fax facility, so then bank charge the fax charges on their
fax services.
TOTAL DEDUCTION:
After the all charges bank calculate the all over amount and then write on the registration
form.
TYPE OF INSTRUMENT #
Then write the type of instrument which is required to the applicant mention at here.

64
Bank’s Acknowledgement of the funds received, detail of bank’s charges/levies
ISSUING BRANCH:
Name and Branch code of the Issuing bank.
DATE:
That stated date when the payment instrument made and issued to customer.
TYPE OF PAYMENT:
Write the type of payment through, which customer did the payment of instrument to bank.
NAME OF BENEFICIARY:
Name of the recipient those name payment instrument issued.
INSTRUMENT#:
Write the type of payment instrument, which client request to bank for issuing.
DRAWN ON:
Name and branch code of the recipient bank.
CASH OFFICER SIGNATURE AND STAMP:
After the completion of the all over process then registration form give to the cash officer and
after the verification of all over information give the approval of issuing of instrument.
The cash officer sign and stamp on the registration form of instrument issuing.
4.4 BOP APPLICATION FOR DEBIT MASTERCARD
BRANCH NAME OR CODE:
First on all in form write the branch name or branch code.
DATE:
Then write the stated date when you apply for the Debit MasterCard.

65
TYPE OF MASTERCARD:
 Silver Debit MasterCard
 Gold Debit MasterCard
 Platinum Debit MasterCard
(As per Eligibility)
FOR EXISTING CARD HOLDER:
 Replacement of card (only in case of lost/damaged or upgrading of existing
ATM/Debit MasterCard)
If there is existing ATM / Debit MasterCard available so then write the number of the card.
APPLY FOR NEW ATM DEBIT MASTERCARD
ACCOUNT NUMBER PLS/BBA/CD ACCOUNT:
Write the account number include 13 digit 4 digit indicates the branch and 9 digit indicates
the account number.
ACCOUNT TITLE:
Write the account title of the customer means the name of the customer in bank for the
purpose of dealing.(Please Write in Block Letters Only)
NAME TO APPEAR ON BOP DEBIT MASTERCARD:
Select a name which you think better to print on your Debit MasterCard.(Please write in
Block Letters Only) (This should not be a Nick name)
CNIC #
Write your computerized national identity card number in this section.
NTN #
If you have a corporate entity, so then mention the national tax number at here.
RESIDENTIAL ADDRESS:
In this section customer mention your home present r permanent address as per their CNIC.

66
TELEPHONE # (RES):
If you avail the facility of PTCL landline so then fill the block of this section otherwise write
N/A.
MOBILE # :
Write up your personal mobile phone number which is available for every time.
OFFICE NUMBER:
If you have office number so then writes at here for the purpose of any inquiry.
TELEPHONE # (OFF):
If in your office there is a landline number so mentioned at here.
FAX # :
If you avail fax facilities so also mentioned for sending and important document to you.
E-MAIL ADDRESS:
If you have an email address so further any enquiry and guide line r bank provide you these
facilities on your email address.
MOTHER’S NAME:
In this section write your mother’s name as per versify which is conducted for the purpose of
verification from NADRA.
FATHER’S/HUSBAND’S NAME:
Write the name of father in case of unmarried or husband name in case of married.
APPLICANT’S DATE OF BIRTH:
Write the date of birth of applicant as per their CNIC.
PLACE OF BIRTH:
At the last Applicant place of birth city or country mentioned.

67
Asked from customer about BOP SMS Banking service if he/she wanted to be need or not.
Signature of the account holder and bank stamp on the signature by verify. After filling of all
over customer related data authorized employee of the bank verified and approved the form.
4.5 ACCOUNT OPENING PROCEDURE:
Whenever a person has to use the service of bank, he/she have to open an account with any of
the banks available at region. A bank normally entertains two kinds of account holders. First,
those who are walk-ins and secondly the one who are being marketed by the bank’s
marketing departments. Whatsoever, all have to follow the same procedures for opening an
account. Account opening procedures are being discussed step-vise below in detail:
ACCOUNT OPENING FORM:
When the customer approaches to bank for account opening purpose, an Account Opening
From is Provided to him. He/she have to fill in the form the required data and information
being asked in different sections of the form. Also the form has to be signed by the customer
at various sections marked by the concerned banking officer. Incase if the customer is
illiterate or is not able to read / understand English, the marketing officer facilities him / her
in this matter too. Besides these photocopies of certain other requirements have to be attached
with the form while submitting it back to the banking officer.
DETAIL REGARDING THE OPENING OF NEW ACCOUNT:
The following detail is get when a new account is opened.
 Personal information (name, father name, contact, CNIC etc.)
 Bio metric attestation of thumb nail
 Sources of funds ( where he earn the money )
 K Y C ( know your customer, background investigation )
 Photo ( in term of photo account )
 Copy of id card
 Legitimacy or un- legitimacy
 Specimen, rules and regulation, signature
Here, in this department, I also learned about depositing of money, with drawl of money.

68
CROSS CHEAQUE:
The cheaque which is crossed by two lines at the head corner of the cheaque is called cross
cheaque. The main benefit of this type of cheaque is that, the proof of transaction remained
which is made on this cheaque. This type of cheaque is not paid in cash but the stated amount
is transferred to the beneficiary account.
I also learned about the basic types of account which are as fellows.
CURRENT ACCOUNT:
It is a demand liability account which means that when the customer demand then the
payment is made. On this type of account there is no profit and nor loss. The further types of
current account has been discussed in previous chapters
SAVING ACCOUNT:
It is a type of account in which amount is saved for some period of time and customer is
bound to terminate any withdrawal on that type of account for a specific time period. A fixed
rate of profit is paid on that type of account. The further types of saving account are also
discussed in detail in the previous chapters.
DIFFERENT QUESTIONS WHICH ARE ASKED FROM CUSTOMER BEFORE
OPENING THE ACCOUNT:
 What is the size of business?
 What are the other sources of income?
 Is he is salaried person or not?
 Is he is major or minor?
 Is he wanted to open the account on his name or any other name?
 From which area he belongs?
I also learned about the difference between passbook and cheaque book which is as fellow
Pass book is maintained by the customer and can be obtained from market. The customer
records the transaction in the book at their house.
But the cheaque book is a collection of different numbers of cheaque which is issued by the
bank. It may contain the 25 leafs or 50 leafs.

69
COMPLETION & SUBMISSION OF ACCOUNT OPENING FROM:
After being completing filling and duly arranged the requisites for opening an account, the
customer has to submit the account opening form to the concerned banking officer at the
branch he has obtained form from. The banking officer duly checks and verifies all the
information filled by the customer in the form.
SIGNATURE SPECIMEN CARD:
Signature specimen card is compulsory for opening an account in the bank. Without getting
signature of the customer you cannot open the account. This card holds the authorized
signatures of all the account holders of the particular account. This card is then being signed
and verified by the concerned manager. After completion and authentication of the card, it is
being uploaded on the database. In this way any authorized banking officer is able to verify
any customer’s signatures whenever his singed instrument is introduced in the bank. Thus, to
ensure more customer privacy and security.
CUSTOMER VISIT REPORT / KNOWS YOUR CUSTOMER / ENHACNED DUE
DILIGENCE FROM:
This is the most essential and delicate report that has to be maintained by either the manager
or the designated officer about each and every customer who is opening an account with the
bank. The officer will have to visit the business or office address of the customer that he / she
have mentioned in the Account Opening Form. Officer will be completing a few formalities
in order to verify that nothing in being wrongly stated by the client in the form and all that he
/ she have stated are being verifiable and true. This form has to be signed and completed by
the banking officer, and then it has to be sent to the concerned Regional Head / Chief /
Manager for final approval and remarks.
COMPUTERIZED VERIFICATION:
The customer’s identity and all criminal / defaulter record is being verified through online
verification system. An online database is being provided by NADRA to the bank to verify
each customer’s identification online. The concerned banking officer performs this job. Also
the officer finds and ensures that the customer is not wanted by the Govt. in any case through
NAB/OFAC verification system available with the concerned officer.

70
VERIFICATION AND AUTHORIZATION:
After all the formalities are being completed, and receiving of the authorization from the
Head / Chief / Manager, all the documents / forms / verification are being organized and
stapled in sequence with the account Opening Form for final review and authorization from
the branch Manager & Manger Operations. In case of any shortage or incompletion of any
record, the form is directed to concerned officer for completion
OPENING THE ACCOUNT:
After successful completion, verification, review and authorization, finally the customer
qualifies to open an account in the bank. The concerned officer uploads the data into
electronic form available to him / her in the bank’s Operating System. The officer uploads all
the data mentioned in the Account Opening Form to the system.
ALLOTMENT OF ACCOUNT NUMBER:
After being uploaded and final supervision by the Operation Manager, the system
authenticates and allots an account number to the customer against his account opening
request. Now he / she can operate the account.
ISSUANCE OF LETTER OF THANKS:
After the account is being opened, a letter of thanks is being issued to the customer for
showing his interest in requiring our banking services. One copy of this letter is being
attached with the Account Opening Form, while the other is dispatched by postage mail to the
customer.
Another purpose of this letter is that it has to be produced in front of the banking officer at
the time of receiving Cheaque Book from branch.
ISSUANCE OF CHEAQUE BOOK:
The “Cheaque Book” request is uploaded to the system online the very next day of opening
of an account. Cheaque Book is issued to the customer from the branch itself. It is not being
dispatched to the customer. Normally it takes 4-7 working days for the issuance of cheaque
book to the Customer.

71
ISSUANCE OF ATM CARD / PIN CODE:
If a customer requires ATM service, either he has to mark the option in the Account Opening
Form while submission of it, otherwise an additional form is to be filled out by the customer
for acquisition of the ATM card. It is then uploaded to the online database by the concerned
banking Officer. Normally it takes 7-10 working days for the receipt of both ATM card and
PIN code. PIN code is directly dispatched form ATM generation cell to the customer’s postal
address. While ATM is sent to the branch and handed over to the concerned banking Officer.
He / She is responsible for the handing and possession of the card unless the customer walk-
in and receives the card himself / herself.
RETURN OF PIN CODE:
It happens usually that the PIN code thus sent to the customer’s postal address directly by
ATM generation cell returns back undelivered. This might happen due to any of un-favorable
reasons. In that case, the ATM generation cell sends it back but this time to the concerned
branch in which the customer holds an account. The banking officer thus informs and hand it
over to the customer when he/ she walks in.
DISPOSAL / DESTRUCTION OF ATM CARD:
After the receipt of ATM card to the branch, the concerned banking officer informs the
customer to receive the card to the earliest possibility. The officer has to inform the customer
multiple times as instructed in the operations manual. He / she also have to issue a written /
warning to customer in case if the customer is not collecting his / her ATM card within the
prescribed time slot. After meeting al the procedures, if still the customer has not yet collect
the ATM card, then as mentioned in the operations manual, the concerned banking officer has
to destroy the card after 90 days of its issuance. Terms and procedures are mentioned in the
operation manual available with the Manager / Operation Manager at the branch. After the
disposal of ATM card, the customer is no longer to avail ATM facility. He / She has to
submit a request again for the acquisition of the card.
CHEAQUE BOOK CHARGES:
The cheaque is charged against the number of leaves available in the cheaque book. Its
Rupees 5/- per leaf. There are various sizes of cheaque books available. For example: 05

72
leaves, 25 leaves, 50 leaves etc. Any customer has the freedom to order a cheaque book of his
/ her own desire and need.
ATM CHARGES:
ATM card has annual charges as mentioned in the schedule of charges issued by the Head
Office to all the branches. These charges are deducted once in a year. Besides these there are
no additional charges that a customer has to pay for having ATM facility.
If the customer is having transactions from the ATM of any branch of The Bank of Punjab,
no charges are deducted over that regardless of any geographical access of ATM. In case if
the customer is accessing ATM facility from any other bank’s ATM machine, then an
additional charges mentioned in the schedule of charges is automatically debited from the
customer’s account.
4.6 WORKING WITH OPERATIONAL MANAGER
Last week, I spent with the operational manager to understand the administrative skills.
Operational manger was also not a too much co-operative man because the burden of work
on him was too much. He has taken all the responsibility of final approval of all the
transactions. Moreover , he has also manage the different funds which was set off for
miscellaneous expenses like tea , refreshments etc. the branch manager has just to overview
all the activities, but the operational manger has to take the responsibility. I learn how he
manages his works, what was his behavior while he deals or meet with the different types of
customers.
Here was the end of my working in the bank and my internship period was also complete.
Operational manager does not allow me to sitting with cashier and manager. But I start a little
discussion with manger in spare time on different issues of agricultural loans. I also gave him
different useful advices to him about the behavior and dealing with farmers.
On he last day, he gave me a delicious treat and I shake the hand with all employees and
come out from bank with internship certificate which was already prepared by the operational
manger on my saying. I enjoy this internship period, because there was Ramadan in this
period and the environment of bank was very comfortable.

73
In this way, I completed my tasks of 6 weeks internship which was assigned to me by the
university. And this was also necessary for mu course of study.

74
CHAPTER NO 5
SWOT ANALYSIS
Following are the conclusions based upon experiences and learning during the internship.
Swot analysis is used to analyze the strengths, weakness, opportunities and threats to the bank
in existing market. These are discussed as below:
5.1 STRENGTH:
Strength of the branch in Madina Town market region is that it is a retail conventional
banking branch. The region mostly occupies business men belonging from traditional
business class families. Phone banking and e-banking service is available to the customers as
compare to the competitors are running in the market.
One of the main reason every person, which doing job in GCWUF for the purpose of salary
they open your account at here because bank has a booth in GCWUF the bank of Punjab
provide the facilities of serving inn Govt. College women university Madina town
Faisalabad.
 Holds a sound repute in the financial circle
 Personalized services of the staff to the employees
 Located in the commercial area, so that the customers face no problems in reaching to
the bank.
 Maintaining the healthy correspondent relationships with foreign banks
 Provide a record business in exports sector
 It has a reliable and easy to use internal computer system.
 All the transactions and information regarded the customer’s deposits has been
computerized.
5.2 WEAKNESS:
The Branch is operating with a very few number of products. For most if the services the
customers are either referred to any other branch of BOP in the region or they return bank
taking away their investments. This is for sure baldy affecting the branch’s market share. Its
product line should be increased to attract all kinds of customers. Moreover the inefficiency
working of ATM machine is also a negative element in the marketing of the branch.

The Bank of Punjab Latest Internship Report With Three Years Financial Data (2016-2014)

The Bank of Punjab Latest Internship Report With Three Years Financial Data (2016-2014)

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