‫ه‬ ‫ٱَّلل ٰ‬

‫ٱلر ْحم ِن‬ ‫ه‬ ‫ِب ْ‬

‫س ِم ٰ ِ‬
‫ٱلر ِح ِيم‬
‫ٰ‬
University Of Education Lahore,
Multan Campus
 Presenters
Sufyan Ahamad (BSF1903922)
Samad Hussain (BSF1904065)
Muhammad Zulqarnain (BSF1903796)
 B P
The Bank Of Punjab
Introduction
Introduction:
❑ The Bank Of Punjab )‫ )بینک آف پنجاب‬A Pakistani
Commercial Bank.
❑ Banking, Insurance Industry.
❑ Founded In 1989.
❑ Headquarters In Lahore, Pakistan.
❑ CEO Zafar Masud.
❑ “PSX” Designated BOP A Market Maker For Debt
Securities.
Awards
Awards:
❑Number 1 Bank “Kamyab Jawan Convention 2021”.
❑Number One Bank by J.P. Morgan Bank.
❑Excellence Award by the Central Board of Revenue.
❑ "Top Bank for Agriculture Loans“.
❑Best Corporate Report Award.
❑16th Bolan Excellence Award.
❑“LCCI Achievement Award“.
Branches & ATM
Total Branches & ATM:
❑ BOP Operates In 137 Cities Of Pakistan.
❑ Total Branches =636
❑ Total ATM =588

In Multan:
❑Branches =22
❑ATM =20
Financial Position
Financial Position Of BOP:

1095 Million PKR

1043 Million PKR

Products & Services
Products & Services
❑Retail Banking.
❑SME Banking.
❑Retail Finance.
❑Agriculture.
❑BOP Khaas Banking.
Retail Banking
Current Deposit
BOP Current Account:
❑ A Current Account To Cater Day To Day Banking Needs Of General Public
Including All Companies, Trust, Not For Profit Organizations, Government
And Semi Government Organizations And Any Business Entities.
❑ Free Online Banking.
❑Free Life Insurance Of Rs.500,000/- On Maintaining Monthly Balance.
❑Consumer Loan Facility On Attractive Terms.
❑Option To Avail Salary Loan.
❑Free E-banking Facility To View Statement Of Account.
❑SMS Alert Facility.
❑Free Of Cost Utility Bills Deposit.
BOP Tijarat Account:
❑ A Current Account Designed For Salaried Individuals Working For An
Organization That Is Maintaining Its Salary Disbursement Account With BOP
With A Focus On Employees Of Govt/Semi Govt Organizations.
❑Free Online Banking.
❑Business Assets Insurance Upto Rs.1 Million.
❑Free Issuance Of Debit Card.
❑Free Issuance Of Universal Cheques.
❑Free E-Banking Facility.
❑SMS Alert Facility.
❑Free Of Cost Utility Bills Deposit Facility.
BOP Salary Plus Account:
❑ A Current Account Designed For Salaried Individuals Working For An
Organization That Is Maintaining Its Salary Disbursement Account With BOP
❑ Free Online Banking.
❑Free Life Insurance Of Rs.500,000/- On Maintaining Minimum Monthly
Balance Of Rs.50,000.
❑Consumer Loan Facility On Attractive Terms.
❑Option To Avail Salary Loan.
❑Free E-Banking Facility To View Statement Of Account.
❑SMS Alert Facility.
❑Free Of Cost Utility Bills Deposit.
BOP Asaan Current Account:
❑ A Current Account For Low Risk/Low Income Under Banked Individuals Who
Face Difficulties In Account Opening Due To Strict Requirements/Formalities.
❑ Account Can Be Opened With Minimum Of Rs.100
❑ Account Can Be Opened As Individual, Joint Or Minor Type.
❑ There Is No Minimum Balance Requirement, No Account Maintaining Charges.
❑ The Account Will Preferably Be Debit Card Based.
❑ Free Online Banking.
❑ SMS Alerts Service Is Available At Subsidized Charges Of PKR 40 Per Month.
❑ Per Month Total Debit Limit And Total Credit Balance Limit Is Rs.500,000
❑ Free E-banking Facility To View Statement Of Account.
❑ Free Of Cost Utility Bills Deposit Facility .
BOP FCY Current Account:
US $, EURO & U.K Pound
❑ A Foreign Currency Current Account Available For All Customers Who Are
Eligible To Open Foreign Currency Account With BOP As Per Bank’s Criteria.
❑ Value Added Attractions On Maintaining Minimum Balance Of USD 10,000
Or Euro 8,000.
❑ No Limit For Debit / Credit Transactions.
❑ Free Locker Facility.
❑ Free E-banking Facility To View Statement Of Account .
❑ SMS Alert Facility.
❑ Free Of Cost Utility Bills Deposit Facility.
Saving Deposit
BOP Behtareen Munafa Account:
❑ A Saving Account For General Public, Govt/Semi Govt Organizations,
Companies, Business Entities. Who Are Eligible To Open Account As Per
Bank’s Criteria.
❑ Free Online Banking
❑ Calculation Of Profit On Monthly Average Balance Basis.
❑ Profit Payment Is On Monthly Basis.
❑ Free Issuance Of Classic Debit Card.
❑ Free E-banking Facility To View Statement Of Account
❑ SMS Alert Facility.
❑ Free Of Cost Utility Bills Deposit.
Corporate Premium Account:
A Saving Account Especially Designed To Cater The Needs Of Business Entities.
❑ Account Can Be Opened Singly Or Jointly.
❑ Calculation Of Profit Is On Monthly Average Basis.
❑ Payment Of Profit Is On Monthly Basis.
❑ Free Online Banking
❑ Priority Banking And Counter Services.
❑ Free E-banking Facility
❑ SMS Alert Facility.
❑ Free Of Cost Utility Bills Deposit Facility
BOP PLS Direct Pension Credit Account:
❑ BOP PLS Direct Pension Credit Account Can Be Opened By Any Individual
Pensioner. Purpose Of Account Opening Will Be Specifically Mentioned On
The AOF As “Direct Credit Of Pension” Only.
❑ No Account Maintaining Charges
❑ Free Online Banking
❑ Copy Of Pension Book Mentioning Monthly Amount Of Pension.
❑ Free E-banking Facility To View Account Balance And Statement Of
Account Is Available.
❑ SMS Alert Facility.
❑ Free Of Cost Utility Bills Deposit Facility.
BOP ASAAN Saving Account:
❑ A Saving Account For Low Risk/Low Income Unbanked/Underbanked Individuals
Who Face Difficulties In Account Opening Due To Strict
Requirements/Formalities.
❑ Account Can Be Opened With Minimum Of Rs.100/- As Initial Amount.
❑ Account Can Be Opened As Individual, Joint Or Minor Type.
❑ Account Can Be Opened With Minimum Formalities.
❑ There Is No Minimum Balance Requirement, No Account Maintaining
Charges.
❑ The Account Will Preferably Be Debit Card Based.
❑ Per Month Total Debit Limit And Total Credit Balance Limit Is Rs.500,000.
❑ Free E-Banking Facility To View Statement Of Account.
Term Deposit
BOP Bonus Munafa Term Deposit:
❑ BOP Bonus Munafa Term Deposit (BMTD) A Term Deposit Available For
General Public I.E. Anyone Who Is Eligible To Open Bank Account And
Invest As Per Bank’s Criteria.
❑BOP BMTD Offers Monthly Profits On Your Savings.
❑Minimum Profit Rate Of 6.10% P.A To 7.25% P.A. Depending On The
Tenor.
❑Minimum Amount Of Investment Is Rs.50,000/- And No Maximum
Limit.
Foreign Currency Term Deposit:
❑ BOP Foreign Currency Term Deposit Is Term Deposit Available For
All Customers Who Are Eligible To Open Foreign Currency
Account With BOP As Per Bank’s Criteria.
❑ Term Deposit Is Available In Flexible Placement Periods Of 1
Month, 3 Month, 6 Month, 1year.
❑ Profit Payment At Maturity.
SME Banking
Product & Services Offered:
❑ BOP Apni Dokan.
❑ PKR 5-20 Million.
❑ BOP Fori Sahulat.
❑ For Business Up To 50 Million.
❑ For Other Purpose Up To PKR 7 Million.
❑ BOP Kamyab Karobar.
❑ PKR 15 Million.
Retail Finance
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 ❑ BOP Understands Your Desire To
Center Of Your World,
Make Your House Truly Your Home.
A Place Where You Find
Peace And Comfort”
BOP House Financing Ensures This
Happens.
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.

Carvaan 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.
Apna Rozgar Scheme:
❑ BOP Financed 50,000 Vehicles.
❑ (Suzuki Ravi And Suzuki Bolan) Subsidized.

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.
Agriculture
Kissan Dost Production Loan:
❑To Provide Short-term Facility To The Individual & Corporate Farmers
For Purchase Of Farm Inputs (Seeds, Fertilizers, Pesticides, Fungicides).
❑Minimum Rs. 500,000/- & Maximum Up To Rs. 30 Million.
❑6- Month KIBOR.

BOP Tractor Lease:

❑ Millat Tractors / Messay All Model
❑ Al Ghazi Tractors All Models
❑ Fixed Rate
❑6-Months KIBOR + 7% P.A
BOP Agri Vehicle Leasing:
❑All Commercial & Semi Commercials (Light Commercial)
Vehicles For Agricultural Use.
❑One Year KIBOR+ 5% P.A.Rate Will Be Revised After One
Year.
BOP Khaas Banking
BOP KHAAS Current Account:
❑A Current Account For All Individual, Sole Proprietor And Salary
Person Customers Who Have Relationship Balance Of PKR 3
Million.
❑Account Will Be Opened In PKR Currency Only.
❑No Initial Deposit.
❑PKR 50 Will Be Deducted If Monthly Average Balance Falls
Below PKR 10,000.
❑Free KHAAS Platinum Card.
❑ Free SMS Alerts & Mobile Banking.
BOP KHAAS Saving Account:
❑A Current Account For All Individual, Sole Proprietor And Salary
Person Customers Who Have Relationship Balance Of PKR 3
Million Or Clients With Monthly Salary Of PKR 50K Or More.
❑ Account Will Be Opened In PKR Currency Only.
❑ No Initial Deposit.
❑ PKR 50 Will Be Deducted If Monthly Average Balance Falls Below PKR
10,000.
❑ Profit Will Be Calculated @3% Per Annum On Monthly Average
Balance.
❑ Free KHAAS Platinum Card & SMS Alerts & Mobile Banking.
❑ Zakat And Withholding Tax Will Apply.
BOP Additional Services
BOP Additional Services:
❑E-Statement Facility.
❑Clearing.
❑Utility Bills Payment.
❑Lockers.
❑SMS.
❑Online Banking.
Our Visit
 BOP Multan
(Gulgasht Colony) Branch
Bank Information :
Branch: Gole-Bagh,Near,Gulgasht Colony, Multan
Branch Code: 0091
Contact No: 061-6221801
Email: [email protected]
Branch Information:
Total No Of Employees: 15
Manager: Mohsin Raza
Sales Manager: Atif Shehzad
Teller: Hammad Waseem
Cash Manager: M. Arshad
General Banking Officer: Rabia Rehman
Departments:
❑Cash Department.
❑Operations Department.
❑Credit Administration.
❑Trade Department.
Departments:
❑Cash Department:
❑Cash Department deals with the Cash, Encashment of
Cheques etc.
❑Operations Department:
❑Controls Money And Products Flowing Correctly, Ensures
Millions Of Transactions Are Processed Every Day.
Departments:
❑Credit Administration:
❑Banks Generate Revenue By Charging Interest Rate On Loans.
❑It Is Tasked With Managing The Entire Credit Process.

❑Credit Administration Is Managing Core Function Of Bank.

❑Trade Department:
❑Profit Generating Department.
❑Controls All Task Regarding Trade Financing And Trade
Facilities As They Important Source Of Assets For Bank.
Picture with Manager
Mr. Mohsin Raza
 ‫ه‬
‫ٱَّلله ي ْيرا‬
‫جزاك ٰ‬