DEVELOPED BY: USAMA KARIM 31724

HELPED BY: SHAYAN HASSAN 31963

 HISTORY: BOP ACT 1989

Established under The Bank of Punjab ACT 1989.

Passing of ACT by provincial the Assembly.
The Concept of a provincial bank and legal/constitutional feasibility.
Governor referral back to Provincial Assembly.
Passing the same act again by Assembly.
Opening of 1st branch on 15th November 1989.
 SCHEDULING

The successful operation, achievements and performance of the Bank of

Punjab.
Acceptability of the idea of this Provincial bank, establishment of Bank of
Kheber, Sindh Bank and Bank of AJK.
Scheduling 19/09/1994 and its Impact.
 IMPACT OF SCHEDULING

Recognized Bank.
Foreign Exchange and Trade Business.
Clearing House.
Opening of the branches in other Provinces.
Acquisition of Federal Govt. Deposit.
Implementation of SBP regulations.
Shelter of SPB.
 PRODUCTS (CURRENT DEPOSIT)

BOP Tijarat Account

BOP LIFE Current Account
BOP Salary Plus Account
BOP Youth Education Account
BOP FCY Supreme Account
BOP Current Account
Basic Banking Account
 SAVING DEPOSIT

PLS Saving Bank Account

BOP Gharayloo Saving Account
BOP Ziada Munafa Saving Account
BOP Behtareen Munafa Account
BOP Senior Citizen Saving Account
Corporate Premier Account
BOP FCY Supreme Saving Account
BOP Young Lions Saving Account
 TERM DEPOSIT

BOP Pehlay Munafa Scheme

BOP Munafa Hi Munafa Term Account-III
BOP Kissan Dost Term Deposit
Corporate Premier Term Account
BOP Bai Misaal Term Deposit
BOP Senior Citizen Term Deposit
 AGRICULTURE

Agri Finance Branches

Kissan Dost Running Finance Facility
Kissan Dost Lease Finance Facility
Kissan Dost Cold Storage Finance Facility
Kissan Dost Green House Finance Scheme
Kissan Dost Live Stock Development Scheme
Agriculture Scheme Markup
 ISLAMIC BANKING ACCOUNT

Current Account
PLS Saving Account
Riba Free Certificates (RFCs)
Loss Sharing
Determination of Rate of Profit
Protecting Depositor's profit
Sharia Supervision in the Bank
 SCHEMES

Apna Rozgar Scheme

Car Lease - CarGar
Apna Ghar House Financing
Advance Salary Personal Loan
Motorcycle Lease Scheme
Carvaan Fleet Fiancing
BOP Solar
 MISCELLANEOUS SERVICES

Safe Custody / Safe Deposits

Utility Bills Collection
Lockers
Collection Of Hajj Application
Investment Services
Services Under Agreements
Any Other Business, Which The Central Govt. May Notify/Specify On The Official
Gazette
 SWOT: STRENGHT

Rapid early growth.

Had been Blue Chip best performer of Karachi Stock Exchange.
3rd Kissan Time Awards 2006.
Best Corporate report Award 2005.
16th Bolan Excellence Award 2006.
The Lahore Chamber of Commerce & Industry LCCI Achievement Award2006.
Banks Research and Publication.
 STRENGTH

Financed to SMEs in Early Years.

Agri Financing in 1997 98 in recognition of Banks contribution in
development and growth of agricultural sector, the bank honored with
The Bank for Agriculture Loans and Best Bank Corp Insurance under 3rd
Kissan Time Awards 2006.
Corporate Financing 2002 03.
Consumer Financing 2005 06.
Concessional Staff Financing.
 STRENGTH

Sixth largest Bank Size wise (Business Branches, Employees etc.)

Had been Third Largest Bank Profit wise in 90s.
First Provincial Commercial Bank in Pakistan.
Network of 357 Branches out of which 34 are Islamic Banking Branches.
In All the Province of Pakistan, Azad Jammu & Kashmir and Islamabad, But
mainstream in Province Punjab.
Peon level Support.
It is a Govt. bank, held 55% shares.
 STRENGTH

Hiring the Services of Highly Qualified Personals (PhD, M.Phils., M.Com., MBA,
MA, MCS, Engineers, Agri Graduates, Law Graduates, Chartered Accountants
ACMAs.
Selection on Merit.
Training In House & Out Source.
IBP Examination.
Improved Dressing.
Changed/Improved Interior.
Service Culture & Standards.
 WEAKNESESS

Lack of Branches in Province other then Punjab.

Products launch at last stage as compared to other banks.
Low focus on depositor customer (Companies, Business, Corporate, NGOs etc.)
Lack of advertising on all mediums (TV, Radio, Interactive Media etc.)
Ranking on 8th number in Pakistan in term of Deposit.
Poor in Services on behalf of customers.
Mostly focuses on Farmer and Salaries Person.
Staff is less facilitated.
 OPPORTUNITIES

Deposit Growth form Private Sector.

Increased Profitability.
To meat Capital acceptable Requirements.
To widen the Scope of Network and Services.
To Enhance the use and level of automation.
To Establish the Foreign Branches.
To have a prominent position in the cluster of National and International
Banks.
 OPPORTUNITIES

Earning Profit Since Inception

Good Profit distribution among Shareholders
Good sharing of profit with Staff
Distribution of Shares to Staff
 THREATS

Lack of Profound Services.

Mostly dependent on Govt.
Deposit rate are not high as compared to Competitors.
Slight focus on Advertising as compared to Competitors.
Lack of accessibility for foreigner (like HBL, Dubai Bank etc.)
All branches does not support Islamic Banking.