National Bank of Pakistan

National Bank of Pakistan (NBP) provides a range of branded products in Pakistan. These services cover Retail, SME, Corporate, Islamic Banking, Digital, and Investment segments.

Conventional Banking Services

NBP offers various personal banking accounts. The NBP Choice Current Account needs a PKR 10,000 minimum opening balance. It includes free cheque book issuance. The Asaan Account has zero minimum balance. Its monthly debit/credit limit is PKR 500,000. Premium Saver calculates profit daily. Profit payout occurs on maturity. Premium Aamdani links its profit rate to the SBP rate. It provides monthly profit payments. NBP Plus TDC has a 15-year tenure. Daily profit accrual is a feature. NBP Advance Salary offers up to 50% salary advance. It has a 30-day repayment period. Kisan Taqat provides up to PKR 2 million in financing. The markup is KIBOR-based. Kisan Dost offers seasonal financing up to PKR 0.5 million. Quarterly markup calculation applies. The Gold Loan features up to 80% loan-to-value. Its tenure is up to 5 years. NBP Roshan Ghar Solar Finance covers solar equipment financing. Its tenure extends up to 10 years. Mera Pakistan Mera Ghar offers subsidized home financing. It carries a government-backed guarantee. NBP Izafi Munafa Account has an incremental deposit feature. Profit payout occurs monthly. Bancassurance includes embedded insurance riders. It supports single-premium integration. Saibaan is a female-only debit card. It provides exclusive transaction limits. Advance Services include an overdraft facility. Instant fund transfer is also available.

SME Banking solutions cater to businesses. SME Financing features markup at KIBOR plus spread. It offers short-term RF and long-term term loans. NBP SME General Financing Products use daily-product markup. Revolving facilities are available up to one year. NBP SME Seasonal Financing Products support rice, wheat, and cotton financing. They offer up to a one-year tenor. NBP SME Supply Chain Finance Products provide invoice finance. Corporate credit rates apply. Tenor is up to 120 days. NBP SME Trade Financing Products include LC sight/usance. Finance against TR and FIM is also offered. The Prime Minister's Youth Business & Agriculture Loan Scheme has tiered markup at 7%. Its tenor is up to 8 years. SBP Long Term Financing Facility (LTFF) offers up to 10 years tenor. It provides a subsidized rate for export-oriented projects. Export Finance Schemes (EFS I & II) feature an SBP rate minus 3% concession. Tenor is up to 180 days. E-LTFF offers up to 10 years tenor. It provides SBP concessionary markup.

Corporate and Commercial Banking services are diverse. Cash n Gold uses gold-priced collateralization. It provides short-term funding up to 6 months. Cash Card is a prepaid corporate card. It allows daily transaction limit control. Pak Remit enables real-time inward remittances. It utilizes a network of over 3,700 branches. NBP Pegham offers bulk fund-transfer API. Its settlement cut-off is at 4 pm. Secured Running Finance (SRF) Mortgage has an LTV up to 70%. It includes auto lien on property. Mera Pakistan Mera Ghar (Corporate) offers syndicated home loans. It has a dual-currency disbursement option. Advance Services feature cash management modules. API connectivity is also available.

Islamic Banking (Aitemaad Suite)

NBP offers Shariah-compliant Islamic deposit schemes. Aitemaad Current Account PKR operates on a Qardh mode. It shares no profit or loss. Aitemaad Current Account FCY offers USD, GBP, and EUR options. It also uses the Qardh mode. Aitemaad Saving Account operates on a Mudharabah mode. It calculates profit daily. Aitemaad Term Deposit Certificate has tenures from 1 month to 5 years. Profit payout can be monthly or at maturity. Aitemaad Basic Banking Account needs PKR 1,000 for opening. It uses a Qardh mode. Aitemaad Asaan Current Account requires PKR 100 for opening. Its debit/credit cap is PKR 500,000. Aitemaad Asaan Saving Account uses Mudharabah mode. It provides monthly profit payout. Aitemaad Mahana Bachat Account has a tiered opening balance. Daily profit calculation is a feature. Aitemaad Income Support Account needs a minimum PKR 1,000. It offers monthly profit payout. Aitemaad Senior Account is for individuals aged 55 and above. It calculates profit daily. Aitemaad Institutional Deposit for IFIs requires a minimum PKR 100,000. It offers monthly profit payout. Aitemaad Institutional Deposit for NBFIs also needs PKR 100,000 minimum. It provides monthly profit payout. Aitemaad Foree Remittance Account (AFRSA) uses Mudharabah mode. It offers daily accrual and all-time free debit card issuance.

Islamic financing facilities are also available. Aitemaad Ijarah covers leasing of vehicles and equipment. Tenor varies per asset type. Aitemaad Murabaha involves cost-plus markup. Deferred payment is available up to 12 months. Aitemaad Diminishing Musharakah features unit-based share purchase. It includes a rental payment agreement. Aitemaad Salam involves advance payment for deferred delivery. It supports fungible commodity financing. Aitemaad Istisna is a contract manufacturing sale. It offers a flexible payment schedule. Aitemaad Running Musharakah operates on a daily-product profit basis. It has a profit/loss sharing ratio. Aitemaad Musawamah involves negotiated pricing. No cost-disclosure requirement applies. Aitemaad Tijarat facilitates agency sale of finished goods. It includes discounted purchase with agency fee split.

Digital and Investment Services

NBP provides modern digital banking solutions. NBP Online offers 24/7 account management. It includes a biometric login option. NBP Digital (Mobile App) supports QR-code payments. In-app biometric authentication is a feature. NBP Helpline offers IVR and staffed support. It provides 24/7 multilingual service.

Investment options are also part of NBP's offerings. Investment Portfolio Securities (IPS) allows direct market access. It provides portfolio value reporting. Pakistan Energy Sukuk-II is a government-backed sukuk. It has a 5-year tenor. PIA Sukuk is airline revenue-backed. It uses a bid registration portal. Pakistan Banao Certificates are fixed-rate government bonds. They have a tenor of 3-5 years.