On Wed, Apr 18, 2012 at 10:48 AM, Mehak Shahzad <mc100401126@vu.edu.pk> wrote:
> Congratulation !
>
>
> On Tue, Apr 17, 2012 at 11:33 PM, Yusha Fahad <yusha143@gmail.com> wrote:
>>
>> Asslam-O-Alikum
>>
>> Dear fellows
>>
>> I gave my Presentation on 11th 4th 2012,
>>
>> I can say It was superb and a good experience.
>>
>> My presentation time was 15-20 minutes
>>
>>
>>
>> I entered into room then One instructor said sit down and asked what is
>> your cgpa?
>>
>> I said my cgpa is ………
>>
>> Then he said how could you got this cgpa, by studying or without studying
>>
>> I said dear Sir off course by Studying.
>>
>> Then he said Now you have to give your presentation in English.
>>
>> And I started my presentation after brief introduction and organization
>> Hierarchy Chart explanation, instructor said come on your training program,
>>
>> I explained my All four departments In which I got training,
>>
>> Then He Asked,
>>
>> Explain cheque posting Procedure?
>>
>> I replied first of all examine the cheque carefully there are some
>> requisites of cheque which are necessary to fulfill, like as Account holder
>> name, date current or previous, amount in words and figure, one signature of
>> the account holder on bottom right corner of the cheque, two signature of
>> the bearer on back of the cheque. After that cheque is stamped with
>> signature verified stamp and then excessive balance is checked in the
>> customer account by using EBS system, and amount is deducted from account
>> which is written on cheque, a token number is given to customer after
>> writing on back of the cheque and then cheque is again stamped with pay
>> cash stamp and cheque is forwarded next.
>>
>>
>>
>> Then he Asked
>>
>> What type of information Account title Contain?
>>
>> I said in this name of the account holder has to write.
>>
>>
>>
>> Then he asked
>>
>>
>>
>> Types of the account NBP open?
>>
>> I said four types of account NBP open current account, BBA, PLS saving
>> account, PLS term Deposit Account,
>>
>>
>>
>> Then He asked
>>
>> Explained BBA ?
>>
>> I said BBA stand for Basic banking account it has many feature like as, it
>> is a limited services account for individual account holder only, it has two
>> maximum withdrawal and deposit transaction free of charges in a moth,
>> account holder can avail the facility of ATM, the statement of account will
>> be issued once in a year,
>>
>>
>>
>> Then he Asked
>>
>>
>>
>> What is KYC?
>>
>> I said KYC stand for know your customer, it is a subheading of account
>> opening form it contain some information like as, type of the customer,
>> source of fund, personal information, purpose of the account, monthly
>> expected income and maz expected transaction.
>>
>>
>>
>> Then he asked
>>
>>
>>
>> What is remittance explain DD?
>>
>> I said remittance is source of transfer of money from one place to another
>> place and demand draft id negotiable instrument which is used to transfer of
>> money between two bank account and its safer mode of payment than cheque.
>>
>>
>>
>> Then he asked
>>
>> How DD is Safer mode of payment than cheque.
>>
>> I said because in case of cheque drawer is individual and it can be
>> dishonor due to many reason like as insufficient balance in account but in
>> case of DD drawer in bank, amount is certain and it cant be dishonor,
>>
>>
>>
>> Then he Said came on ratio analysis.
>>
>> In ratio Analysis I explain Net profit margin ratio
>>
>> He asked
>>
>>
>>
>> How Net profit Can be increase,
>>
>> I said by decreasing non interest expenses it can be increase,
>>
>>
>>
>> Then asked
>>
>> Is there any ratio if interest expense decrease its increase,
>>
>> I said yes Gross Spread ratio is Increase if interest expense Decrease,
>>
>>
>>
>> Then he Asked
>>
>> What is Spread?
>>
>> I said spread is difference between interest earned and interest expense.
>>
>>
>>
>> Then he said come on Debt to equity Ratio
>>
>> I explained it then Sir Asked,
>>
>> 11. Composition of Total equity
>>
>>
>>
>> I said Total equity = Share capital + Reserve + Inappropriate Profit +
>> Surplus on revaluation of assets,
>>
>> Amount of surplus on revaluation of Assets has been taken from statement
>> of change inequity.
>>
>>
>>
>> Then Sir Asked me Come on recommendation and give recommendation according
>> to your Analysis on ratio.
>>
>>
>>
>> I said According to my Analysis
>>
>> 1. bank should increase its earning per share because stock is typically
>> priced according to earning per share if earning per share is higher then
>> stock price will be higher and vice versa.
>>
>> 2. bank should increase cash from operation activities to pay current
>> liabilities efficiently.
>>
>>
>>
>> Then Sir Said
>>
>> Thanks
>>
>> You have to go now,
>>
>>
>>
>>
>>
>>
>>
>> IT's NOT UP TO ME ANY MORE,
>> IF YOU WANT ME IN YOUR
>> LIFE, YOU 'LL FIND A WAY,
>> TO PUT ME THERE.....
>> ______________________________
>>
>> YUSHA (Araien)
>>
>> 03013335005
>>
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>
>
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--
Asma Nazir
MBA (marketing)
Virtual University of Pakistan
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