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This Report is dedicated to My Dear Parents My Dear Friends & My Honorable Teachers Whose Guidance is Always With me.
An Internship Report
ACKNOWLEDGEMy report will remain incomplete if I do not mention the efforts of those people who helped me in completing this work. First of all I will thank to Ch. Nazir Ahmad Principal of Hailey College who gave me opportunity to work in such a prestigious organization which are well known in the country. I also tribute to my all teachers who able me to work with experienced persons and enable me to work very efficiently throughout the period of Internship. The administration department of NBP prepared my internship program. Administration officer Mr. Ehtesham with special attention prepared this program. The program was organized in such a way that sufficient time was given to each department according to its importance. I am really thankful for his cooperation during the internship. At last, I would like to thank all those persons who helped me in completing this report.
CONTENTSCHAPTER:1 BANKS AND SCOPE OF BANKING What is Bank? Banking in Developing Societies New Challenges of Contemporary CHAPTER:2 INTRODUCTION OF NATIONAL BANK Present Status and History Management Mission/Objectives Services Provided by NBP Organizational Chart CHAPTER:3 PROSUCT / SERVICES MIX OF NBP Product/ Service Mix Deposits Advances Foreign Services CHAPTER:4 ACCOUNT OPENING AND CLOSING DEPARTMENT Account opening and closing Department Types of Account How to open an Account Document Required Deposit Deportment Terms and Conditions CHAPTER:5 CASH DEALING DEPARTMENT Cash Dealing Department Cash Receipt Information Required Acceptance of Cheque Payment of Cash An Internship Report
CHAPTER:6 CLEARING DEPARTMENT Clearing Department Clearing Types of Clearing Items to be Checked on Clearing House Cheque Returned CHAPTER:7 REMITTANCE DEPARTMENT Remittance Department Local Remittances Foreign Remittance CHAPTER:8 ACCOUNTS DEPARTMENT Accounts Department Functions of Accounts Department Types of Vouchers Accounting Procedure in NBP CHAPTER 9 MY INTERSHIP PROGRAMME Work Done by Me at the Branch CHAPTER:10 MANAGEMENT OF ORGANIZATION Management of Organization Other Information about Branch
CHAPTER:10 FINANCIAL ANALYSIS Horizontal Analysis Vertical Analysis Ratio Analysis Comments on Ratio Analysis CHAPTER:11 RECOMMENDATIOS Recommendations An Internship Report
being made to enhance the supply of bank advances to the new priority sectors in consonance with the present day socio-economic needs. A special scheme to induct commercial banks in the field of agricultural credit was introduced in December 1972. The scheme provides for short and medium term loans to farmers under a much simplified procedure. State Banks measures aimed at increasing the flow of credit to the small man in business and industry as well as to housing and nontraditional exports have also yielded positive results. The large risk to the commercial banks in the sphere of agricultural finance and small loans are being covered to a reasonable extent by the Credit Guarantee Scheme. Mandatory targets for small loan credit to the agriculture sector and for housing have been prescribed and are being enforced. Corporate banking is also being reorganized and reactivated on a more viable fines.
the rate of saving has varied from 5% to 8% only. In order to accelerate the rate of economic development the Government has been acquiring foreign capital. The banks by launching a vigorous campaign both in the villages and cities can mobilize the idle savings and can increase the rate of investment. The country thus becomes independent of foreign capital, which in fact has let us down on almost all the crucial happenings in the country. This deficiency of capital accumulation is due to so many reasons like, lower per capital income, disparity of wealth, unorganized banking system, ineffective fiscal measures etc. One reason of this capital deficiency is the non-adoption of modern marketing tools, such as market research, sales organization, sales training, sales management, advertising etc. for attracting deposits. So these are the new challenges for banks which are to be achieved for the betterment of the economy.
The Bank had a network of 1531branches in the country and 28 branches in foreign countries. These countries are as follows: 1)- United States of America 2)- United Kingdom 3)- France 4)- Germany 5)- Africa, Middle East Region 6)- Bahrain Obu 7)- Asia Pacific Region 8)- Japan 9)- Republic of Korea 10)- Central Asian States 11)- Bangladesh 12)-Peoples Republic of China 13)-Pakistan. ACTIVITIES AND ACHIEVEMENTS FOREIGN EXCHANGE The branches of the Bank in foreign countries handled the export business and import business. National Bank of Pakistan started a joint venture in collaboration with the Bank of Al-Jazira. Its head office is at Jeddah and also includes twelve other branches. National Bank of Pakistan as a trustee of the National Investment Trust Limited, and also operates a subsidiary for the promotion of agricultural production named the National Agriculture Limited.
MISSION STATEMENT To make the Bank comparable and competitive with all International standards in performing, quality of operations, quality of staff, quality of financial strength and quality of products and services. Objectives & missions are the means to reach some beneficial end. No one can achieve any target before setting it firstly. So in the same way National Bank has some objectives, which it is trying to achieve. Following are some of them: 1)_ To maximize profit 2)_ To provide all sort of banking services. 3)_ To serve the humanity in all parts of the world through its network of branches world. throughout the
4)_ To satisfy customers beyond their expectations by providing personalized effective & efficient services in best & possible manner. 5)_ To serve Pakistan better in order to give socio-economic uplift. 6)_ To provide the maximum profit to depositors by achieving sound profitable growth. 7)_ To develop & enhance its system & technology. 8)_ To train its staff. 9)_ Providing information & advice to its customers. 10)_ Providing facilities of foreign currency accounts. SERVICES PROVIDED NATIONAL BANK OF PAKISTAN National Bank of Pakistan provides following main services to its customers: It acts like a financial intermediary between importers and exporters. It provides services in share of deposits, advances guarantees etc. Full and efficient services of foreign trade. Better computer system through which statement of accounts of a client could be made rapidly. An Internship Report
At present NBP offering the following financial services and investments options to customers. 1- Deposits 2- Advances 3- Foreign Services DEPOSITS To receive deposits is a basic function of all commercial banks. Commercial banks do not receive these deposits for save keeping purpose only. But they accept deposits as debts. When a bank receives a deposit from a customer becomes the creditor and the bank a debtor. When the bank receives the amount of deposit as a debtor, it becomes the owner of it. It may, therefore, use it as it deems appropriate. But there is an implicit agreement that the amount owned would be paid back by the bank to depositor n demand or often a specified time. Deposits are the lifeblood of a bank and their classification is based on the duration and purpose for which the deposits are to be kept at the bank before the depositors can withdraw them. At present NBP accepts deposits in bother local & foreign
currencies and provides a variety of accounts where these sums are put in at the desire of the customers. LOCAL CURRENCY DEPOSITS In local currency (PkR) the following type of accounts are available at the bank 1-Cruuent Account 2-Saving A/c 3-Short term deposits 4-Fixed deposit receipts A brief explanation of the above stated accounts is given below: CURRENT ACCOUNT These are payable to the customer whenever they are demanded. The bank treats these deposits as current liabilities. No profit is given on these accounts and there is no restriction of minimum balance to be kept in these accounts. SAVING ACCOUNT In such types of account, the depositors are normally allowed to withdraw a limited amount of money only twice a week. FIXED DEPOSIT RECEIPTS In these accounts the amounts are deposited for fixed period which may be 1 month, 3 months,6 months and 1 year. SHORT TERM DEPOSITS In these accounts the amounts are deposited for fixed period but shorter than that of fixed deposit receipts, which may be 7 days ,and 30 days.
FOREIGN CURRENCY DEPOSITS At present NBP Main Branch accepts US$, GBR, YEN and DM in shape of foreign currency deposits. For these foreign currency deposits bank has offered the following accounts. 1-Foreign Currency Accounts. 2-Foreign Currency Saving Accounts. A brief description of above stated accounts is given under. i- FOREIGN CURRENCY CURRENT ACCOUNTS In these accounts depositors can deposit a sum of money in any of the above mentioned currencies. The depositor can also withdraw any amount subject to he availability of the amount. No profit is given on these accounts and no restriction as per the minimum balance required. ii-FOREIGN CURRENCY SAVING ACCOUNTS NBP pays the interest that is earned on the sums available in the accounts by making investments. ADVANCES Advances are the major source of earning income for commercial banks; it is the interest charged on the money lend to customers. Bank advances to customers are made either by way of loan or by overdraft on current account. At present NBP provides short term loans as well as long term loans.
FOREIGN SERVICES Following is the list of major foreign services provided by NBP to its customers :e .g: a- Documentary Letter of Credit b- Bills of Negotiation c- Foreign Services d- Bills for collection A brief description on of above stated services is given under; DOCUMENTARY LETTER OF CREDIT A documentary letter of credit may be defined as an authority issued by the opening bank on behalf of the importer in favor of the exporter with the stipulation that the drafts drawn there under will be duly honored provided that the terms and conditions as mentioned there in are duly compiled with . With respect to the documentary credit the following types of documentary letter of credit are offered by NBP; Revocable LC Irrevocable LC Confirmed LC Transferable LC Back to back LC Stand by LC Sight LC Usance LC
BILLS FOR NEGOTIATION In some cases the exporter is not willing to wait for the proceeds of collection to be remitted. In such cases exporter requests the Bank to negotiate the bills i.e. he sends the documents to Bank. In this case Bank examines the documents and arranges them with the requirements mentioned in the Letter of Credit. When bank satisfied it pays to the exporter. Now Bank has the right to collect the proceeds on his own behalf from the importers Bank NBP performs the functions of both the exporters and the importers Bank as per its customers status. BILLS FOR COLLECTION The exporters and bank receives the documents from the exporter, examines and dispatches them to the importer,s bank. The importer, s bank confirms these, as per the requirements stated in the letter of credit. If founds correct gets the amount from the customer, advice the exporter ,s bank about the receipt of payment and in the end makes the payment to the exporters bank. REMITTANCE It includes local and foreign currency fund transfer. NBP also provide the facility to its customers in remitting funds from one place to another place. The remittance (between two countries). At present bank provides the following instrument facilitates the transfer of funds. TT ( telegraphic Transfer) DD (Demand Draft) PO (Pay Order) These will be discussed in detail in the remittance department. that
UNMATCHED BANKING FACILITIES Deposit security, Guaranteed by Government of Pakistan Highest rates of return to attract the savings. Lowest rates on exports and other borrowings. Largest contribution towards Government and Semi- Government Requirements. Agent of the State Bank Of Pakistan handling Treasury Functions, receipts of Taxes & other Revenues. Handling of salaries and pensions of federal/ provincial employees and defence personnel. Utility Bills collections. Haj arrangements. Sale and encashment of Prize Bonds through its 266 authorized branches. Sale and encashment of Defence Savings and Special Savings Certificates. Safe Deposit Lockers for customers. Rational Human Resource Management. CASH LINK NBP ATM SERVICES FOR YOUR CONVENIENCE SERVICES AVAILABLE ON NBP ATMS Cash withdrawal according to your cyclic limit. Transfer of funds between PLS Savings Account and Current Account of the same customer through the same ATM Card. Account Balance Inquiry. Instant mini- statement of account listing the last 15 transactions in account. Request for a new Cheque book which might be collected by the customer from the branch. An Internship Report
HOW MUCH CASH CAN BE WITHDRAWN There is a 24 hours cyclic cash withdrawal limit imposed on all ATM cards. Withdrawal limits depend on the type of customers. PIN (PERSONAL IDENTIFICATION NUMBER) MAILER A pin mailer issued to the ATM card holders carries the PIN number in a sealed envelope. Card holder is required to keep the PIN number in a safe place as all the operation on the ATM are carried out through the same.
HOW TO OPEN AN ACCOUNT (GENERAL) When a person intend to open account. A card is filled & signed by customer. This card contain: i)- Six boxes for name. ii)- Opening date iii)-Special instructions iv)-Space for first a/c No. v)-Space for other accounts. Following points are considered by the bank in this regard. 1)- Another account holder of the bank should properly introduce the new customer. 2)- The account holder should sign the account opening form in the presence of bank officer and the signature is duly verified. 3)- A copy of identity Card is required by Bank. 4)- Against submission of the Banks prescribed application form, duly introduced in the manner provided and on supplying such document, as may be required and account may be opened. The Bank reserves to itself the right to refuse to open and account without assigning any reason. 5)- Each account shall be allotted a distinct number that is to be quoted in all correspondence with the bank relation to the account. 6)- Minimum amount for opening and continued maintenance of various types of accounts is as follows: Rs. Current Saving 2000 500 US$ 2000 500
The bank reserves the right to change the above mentioned minimum balance requirement at any time without any notice. PROCEDURE TO OPEN AN ACCOUNT When a customer wants to open an account, the bank officer gives application form to him. All information, which is necessary to be known by the bank, is requirements of the application form. From also requires the essential documents to be attached by the customer. Following persons can open an account: 1)-Sole proprietors 2)-Private accounts (individual A/Cs) 3)-Joint account 4)-Limited Company 5)-Partnership Company 6)-Club, Society & Association Basically following information is required:
Name Address Telephone no. Currency of account Nature of Business Residential status Special instruction regarding the account Signature of the applicant
DOCUMENTS TO BE ATTACHED Documents required to be attached are different for different categories. 1)- SOLE PROPRIETORS ACCOUNT An Internship Report
They have to submit their business registration certificate number. 2)- PRIVATE ACCOUNTS For individual or private accounts following documents & information has to be given: Name Residence address Mail address Foreign address office address & office ph. No. position to title passport or identification No/ matrimonial status Date and place of birth Nationality Residence visa No. Name and address of other Banks in Pakistan 3)- JOINT ACCOUNT If some one wants to open joint account the following information is needed: Full name - Address - Specimen of signatures of the joint account holders 4)- JOINT COMPANY In this case following information & documents are required: Certified true copy of the Memorandum and Articles of Association of the company. An Internship Report
Certified true copy of the resolution of the board of directors / managing committee / governing body regarding conduct of the account. Certified list containing names and signatures of the directors / office bearers. Certified true copy of the certificate of incorporation or registration. Certified true copy of the certificate of commencement of business ( in case of public limited companies). I.D. Card copy of each director Original is also enclosed for inspection and return List of persons authorized to operate on the account.
5)- PARTNERSHIP COMPANY ACCOUNT Documents required in this case are as follows: Full Names Address Specimen of signatures of the partners Certified true copy of partnership deed
6)- SOCIETIES / CLUBS AND ASSOCIATION ACCOUNT Documents required in this case are as follows: Copy of the rules certified by the president and the secretary. Certified copy of a resolution of the committee and the specimen signatures of the persons authorized to sign. OTHER FORMALITIES The majority of the new customers are introduced either by an existing customer or by bank staff. When the concerned officer is satisfied then he opens the account and gives an account number that will be used in all communications with the bank in regard to the account and when making deposits and withdrawal. An Internship Report
Bank has a right not to open and account without assigning any reason or to close the account, if it is not operated in a satisfactory manner by the head office instructions. So, opening questionnaire for companies & business accounts includes: Company name Address Mail address Telephone, Cable & Telex Nature of Company Business registration certificate number Date of incorporation Nature of Business Names of main managers & director Names & address of parent companies Names & address of other banks And, introducers declaration
And opening questionnaire for private accounts includes: Name Residence address Mail address Residence telephones No. Foreign address Office address Office Telephone No. Position or Title Passport or identification cards No. An Internship Report
Matrimonial status Nationality Residence Visa No. Name & address of other banks in Pakistan Name & address of other banks in abroad & Their account No. & Introducers declaration ISSUANCE OF CHEQUE BOOK When a customer opens an account with the bank, he is provided with cheque book for withdrawals of account. However, the first cheque book is given to the customer only when all the required documents are checked. A cheque book contains twenty five, fifty or hundred leaves. The cheque book also carries a requisition slip for the issuance of the new cheque book. This slip is duly filled and singed by the customer. The signature of the customer is verified by the bank and new cheque book is issued to the customer and serial numbers of the cheque are duly entered in the book of the bank. Along with the signature, person should also write his full name & address. Usually only one cheque book is issued at a time, however big concerns who need a number of cheque books at a time, may ask the bank to stock as number of cheque books in their name and to point their name on these cheque books. Bank debits the clients account for excise duty of Rs.2.50/- per cheque and keeps the cheque book ready for the customer, as on his advice. The officer keeps and maintains the cheque book register Cheque book inventory and cheque books issued are recorded in this register. The account number for which the cheque book is issued and the number of leaves are also recorded in this register when the cheque book issued an entry is passed in the cheque book issue register. THE REQUISITES OF A CHEQUE An Internship Report
There is no prescribed form of words or design of a cheque but in order to fulfil the requirements the cheque must have the following: It must be in writing It must contain an order to pay and addressed a specified bank. The order must be unconditional The order must direct to pay on demand The sum ordered to be paid must be certain. The payment should be ordered to be paid to a certain person or to his order or the bearer. CHECKING AND PAYMENT OF CHEQUES It is the primary function of the bank to repay the money received from his customers account usually by honouring his cheques. It is a contractual obligation of a banker to honour his customers cheque, if he has checked the following on a cheque: Name of the Bank & branch Amount in figure and words Signature of the Drawer (verification) Posting mark by the computer operator Cancellation by the authorized Cheque should not be damaged Funds must be sufficiently available No legal bar prohibiting payment. STOPPING THE PAYMENT OF CASH ON PRESENTATION OF CHEQUE The payment of cheque is stopped dishonored on the following grounds: Effects not yet cleared ,then request to present again.
Drawers signatures differ Payees endorsement requires banks guarantee Alteration requires full signatures Cheque is post dated Cheque is without date Amount in figures and word differs Crossed cheque must be presented through the bank Payment stopped by the drawer. HOW TO CLOSE AN ACCOUNT The account can be closed by the customer. The customer is required to submit and application for closing the account. Then the account is closed out and his balance is paid to him. Cheque book is returned back to bank and the officer cancel and the remaining cheques in cheque book.
a)- Counter foil b)- Adjacent credit voucher. ACCEPTANCE OF CHEQUE The cash is paid against the cheque of the client. The following points are kept in mind while receiving the cheque from the client. Cheque should be drawn on NBP. It should not be post dated. It should be bearer cheque so the word bearer should not be crossed. Payment is not stopped by the drawer. Amount in words & figure should be same. Alternation in date / figure / word require drawers full signature with signature on the cheque.
AFFIRMATION OF SIGNATURES After receiving the cheque the officer verifies the signature of the account holder with the signature on the cheque. It signatures are not the same then it is returned back otherwise forwarded to computer terminal. COMPUTER TERMINAL PROCESS The cheque is received in computer terminal, where the computer operator checks the balance of the account holder. The operator also sees whether the stop payment instructions are received from account holder or not. After considering these two points computer operator posts the cheque in account holder ledger & returns the cheque back to the officer. PAYMENT OF CASH An Internship Report
The cheque is cancelled after posting & is returned to cashier. The cashier enters the cheque in cash paid register & pays against the second signature of the receiver on the back of the cheque.
CLEARING DEPARTMENTNearly all the banks provide a wide variety of services to their depositors. One valuable service provided is that of clearing. Clearing department also plays an important role in performing the activities of the bank. The basic function of clearing department is to provide services to customers in collection of their cheques of other banks, whether they are in city or outside the city. The customer can get the money in his account at NBP from the cheques drawn on another bank. The bank accepts the cheque in the clearing which it is drawn through the clearing house i.e, State Bank of Pakistan. CLEARING We can define clearing as, the transfer of funds from one branch of bank to the other branch of the same bank or the other bank on which the instrument is drawn, without involving cash through State Banks clearing house or we can say in other that cheques which can not be cashed at the ash counter of the bank. CLEARING HOUSE An Internship Report
It is of the service provided by central bank i.e, State Bank of Pakistan to the other commercial banks. SBP acts as a clearing house. A representative of each bank represents his bank in the clearing house. A clearing house is an association of commercial banks set up in a given locality for the purpose of interchange & settlement of credit claims. The SBP maintains the accounts of the NBP like other scheduled banks and debits the account of the drawee bank and credits the presented bank which is NBP in that case. TYPES OF CHEQUE Some specific types of cheque are being entertained in the clearing department of NBP Main Branch, Lahore. These types of cheque are: 1)- Local cheque 2)- Out station cheque 3)- In house cheque 1)- LOCAL CHEQUE By local cheque we mean collection of cheque from the banks which are the members of the clearing house and which are located within the city. 2)- OUT STATION CHEQUE By out station cheque we mean collection of cheque from the banks which are situated outside the city. It means that presenting bank and the bank on which the cheque is drawn are not situated in the same city. 3)- IN HOUSE CHEQUE In house cheque are drawn on one branch of NBP and presented to another branch of NBP such cheques are marked with transfer stamp. An Internship Report
TYPES OF CLEARING Clearing department deals with the two type of the clearance. These are stated below: 1)- Inward clearance 2)- Outward clearance
INWARD CLEARANCE Cheque drawn on NBP and presented to other Banks or handed over to NBP agent in clearing house. That is inward clearance for NBP. So inward clearing results in outflow of funds to collecting bands reducing the balance in the clearing account. OUTWARD CLEARANCE Similarly cheque which are drawn on other bank and presented to NB Main branch, Lahore are known as outward clearance for NBP Main Branch. So outward clearing results in inflow of funds from paying bank into the clearing account maintained with clearing house increasing the balance in the clearing account. Outward clearing thus may be: Local clearing Outstation clearing Excess of outward clearing over inward clearing produces a net increase in the clearing account balance. Excess of inward clearing over outward. Clearing produces a net decrease in the clearing account balance. The first case is referred to as favorable clearing & the second case as unfavorable clearing.
Remittance is the monitory transfer from one place to another place or from one country to another country to fulfill the requirements of the customers by the order of the customer. Remittance Department at NBP Main Branch Lahore can be divided into two sections due to its activities. 1)- Local Remittance 2)- Foreign Remittance 1)- LOCAL REMITTANCE Local remittance section deals with remittance ( incoming and outgoing but only in local i.e, Pakistan rupee and within Pakistan. Local remittance include the following eight functions in NBP: a)- Transfer through pay order b)- Transfer through demand draft An Internship Report
c)- Telegraphic transfer d)- Issuing of SBP cheques e)- Mail transfer f)- Local / internal transferg)- Preparation of balance certificates.
Chapter - 8
ACCOUNT DEPARTMENTThe main function of the accounts department of NBP is to maintain general ledger accounts and after the business hours the function of the accounts officer is to close books. FUNCTIONS There are many other important functions performed by accounts department of NBP. So I ma going to discuss these functions in three steps: -General Ledger; -Voucher system; -Types of voucher used. GENERAL LEDGER: It is the prime record of the branch reflecting its assets and liabilities and serves as the master control of accounting system of the branch. It consists of only those accounts, which are authorized by the head office. VOUCHER SYSTEM: An Internship Report
Voucher is a written authorization sued in approving a transaction for recording and payment. Voucher is a system, which is generally designed to provide strong internal control over the transaction, which take place during the business hours. Whenever a transaction takes place in any department of the bank. One debit and one credit voucher is prepared. At the end of the day, these vouchers are collected and recorded i.e., Debit vouchers are used in two cases: When ever any expense is incurred. When a depositor withdraws some amount from his account The account of the customer is debited with the amount and debit voucher is prepared. The format of the debit voucher includes: -Name of branch -Date -Branch No. -Account No. -Transaction Code -Amount and other details (Narration) CREDIT VOUCHERS: There are two types of transaction in which credit vouchers are used. An Internship Report
When a depositor deposits any amount in his account because the liability of bank. Any income received by the bank e.g. bank draft. Different types of credit vouchers are used. Now in second set these three important functions of Account department of NBP are described briefly. 1. All expenses vouchers are routed ask through Accounts Department. 2. Preparation of various statements. 3. Preparation daily activity report at the end of each day. EXPENSE VOUCHER: All the expense vouchers passed by each department are routed through accounts department. These expenses include: a) b) c) d) e) f) g) h) i) An Internship Report Salaries given to all employees of the bank Wages Rent Lease installments Insurance - vehicle Insurance - cash Utility Bills Medical allowances (reimbursed) Cash carrying charges etc.
Salary included Bonuses These bonuses are credited after every six months i.e. June and December. These are first and second profit bonuses and are equal to one month's basic salary. Allowances: Allowances included house allowances, transport allowance and utility allowance. Provident Fund: Provident fund is provided to each employee on his retirement. Contribution by employer and employee is 8.3%. Preparation of statements: Second major functions of accounts department are the preparation of various statements. These statements are: 1)- Weekly Statements: These weekly statements are sent at first to NBP head office Karachi. 2)- Monthly Statements:
These monthly statements are sent at first to NBP head office Karachi and then these statements are sent to head office affairs in consolidated form. All vouchers and statements signed and approved by manager accounts or who has authority to sign on behalf of the bank and whose signatures appear in one of the banks book of specimen signatures or a person who has authority to sign internal vouchers and records extent of its authority will be made by the country manager.
3)- Preparation of Daily Activity Reports: It is also duty of accounts department to prepare daily activity report at the end of each day. It includes the details of the following: A)- loans transactions B)- general Ledger transactions C)- Foreign currency related transactions D)- fixed deposits transactions All vouchers prepared by different relative departments on computer. In third and last step the following functions of accounts department of NBP are described as follows: Approval of daily expenses voucher SBP balance Tax returns Budgeting An Internship Report
Forward Cover Fee Debit Balance Calculation Pay order/telegraphic commission transfer Deposit entry Depreciation Result/budget Head office report Trial balance / Fx position Commitment return Sources and uses Activity report Statistics of activity Monthly assets and liability Liquidity 1, 2, 3, 4, 5 years Excise duty balancing EOM/EOY Print files floppy Customer's/internal A/c statements Computer complete back up Quarterly statements size wise FCY interest reporting FCY interest checking Service Charges A/c to be dormant Letters to customers Classification of deposits List of deposits A/c opening and closing An Internship Report
Staff loans A/c blocked and unblocked Monthly resident and non resident Zakat Calculations. ACCOUNTING PROCEDURE IN NBP: 1. Various departments use debit and credit voucher for recording the transactions. 2. Accounting department receives the departmental journal from the departments to gather with all the vouchers. 3. Verify correction of total of all into departmental entries in departmental journals. 4. Sort vouchers into general ledger a/c order debit separately from debit for each account. 5. From departmental journals add all debits and all credits for each general ledger account and write total for each account in relative account and extend new balances. 6. Prove debit and credit totals to department journal total. up data balances. 7. Date and sign general ledger and obtain signature of an officer. 8. Place general ledger includes leaf binder in chronological order. Write total obtained from machines list for each contingent accident in general ledger and
MY INTERNSHIP PROGRAMMEWORK DONE BY ME AT THE BRANCH Major activities performed during my internship program are as follows; ACCOUNT OPENNING DEPARTMENT: In this department, I gain the practical knowledge about opening account. This department deals with opening current and saving account for its customers and all matters regarding thereof. The customers opening current and saving accounts can be categorized as following. -Individual -Firm -Company An Internship Report
-Trust -Staff -Others OPENING AN ACCOUNTS: In order to open an account, first of all the customers have to fill a form prescribed by the bank. The person is required to bring some reference or introduction for opening the account. Introducer may be the person who has any account with NBP. Some important information regarding introducer e.g. the name and account number of the introducer is written on the space provided on the specimen signature card. Then in order to find out whether he is a true introducer or not, a letter is sent to him thanking him for this introduction so that anything wrong may come into notice. There are different requirements for different types of accounts and accountholders. DEPOSITS: The procedure undertaken upon receiving deposits from the customers is as follows: Examining the deposit slip to ensure that the name and the account numbers are clearly deposit slip. indicated. Counting the cash and cheques and agree the total with the amount on the
After that the pay in slip is validated for cash transaction and transfer and clearing transfer as appropriate before the counterfoil is handed over to the customer. Cheques signed by directors, partners or employees of a company, drawn in favor of them and credited in their account in the bank are to be scrutinized. WITHDRAWALS: Cheques can withdraw amount. The withdrawals can be made only at the branch where the account is maintained. The officer under his full signature authorizes all cash withdrawals. No third party withdrawal is permitted. In current account, the bank does not offer any interest. We can deposit or withdraw any amount during banking hours. ISSUANCE OF CHEQUE BOOK: The accountholders request for the new chequebook by presenting the requisition slips along with the authority letter to the concerned office. His signatures are verified before giving him a new chequebook. The presence of the accountholders is compulsory to get a new chequebook. But if he sends a third person to get his chequebook then the procedure is as follows; An authority letter is given to the third party by the accountholders. The accountholders verify the signature of the third person on that authority same to whom the accountholder has sent. The bank issues the new cheques book and authority letter is kept buy the bank. CLEARING DEPARTMENT: An Internship Report letter.
The bank officer gets the signature of that third person to confirm whether he is the
In this department, I have worked for two weeks. Main branch receives the cheques from all of its branches and makes the lots of these cheques again. Main branch sends these cheques to the state bank of Pakistan where a clearinghouse exits. In this clearinghouse the representatives receive their cheques and go back to their bank's main branch. Then the main branch sends these cheques to their relevant branches where the validity of these cheques is verified and the accounts of the relevant clients are affected. The statement of clearing was submitted before 1.00 P.M. daily. The whole procedure of clearing is completed within two days. REMITTANCES DEPARTMENT: I worked in this department for one week. This department deals in transfer of money from one place to another or country by: -Demand drafts -Mail transfer -Telegraphic transfer In this department internees are advised only to observe the working of transfer of money from one place to another place of the country by the above modes of transferring money. During my stay in this department I observed that how demands draft be issued. The procedure is as follows. First the bank receives a written request from the customer to issue a bank draft. The written request is either in banks standard form or separate paper signed by the applicant enclosed with cash or cheques covering the amount of the draft and other charges of the bank. An Internship Report
While issuing a bank draft it is necessary that the draft should be free from alternations. All the details must be written clearly in ink. After issuance a demand draft it is handed over to the applicant and its advice containing the particulars of the draft is sent to drawer branch with its necessary information and payment of the draft is make on its presentation. BILLS COLLECTION DEPARTMENT: I spent one week of my training in bills collection department. Here I collected utility bills like gas, electricity, water and telephone etc.
1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1991 1995 1997 1998 1999 2000 GROWTH OF DEPOSITS MOBILIZED BY NBP YEAR An Internship Report TOTAL (CORES)
17 29 40 52 65 67 73 85 105 129 156 194 239 330 450 519 618 1421 1537 1468 1434 0000 0000 0000
1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1991 1995 1997 1998 1999 2000
1.51 5.58 17.36 27.90 29.27 33.03 40.19 48.58 58.04 67.50 83.54 88.51 104.60 124.72 157.53 191.44 198.88 227.31 10574.8 20828.3 25486.2 27339.0 0000 0000
Ratio Analysis1- Return on shareholders Investment = Net Profit(after tax) x100 Shareholders Equity 1999 = 31316 x100 =0.30% 10357847 = 461227 x100=4.05% 11377527
= Net Profit(after tax) x100 Paid up Capital = 31316 x100 =2.14% 1463880 = 461227 x100=31.51% 1463880
= Net Profit(after tax) No. of Equity Shares = 31316 =Rs.0.21per share 146388 = 461227 146388 =Rs.3.15per share
4- Current Ratio
1999 2000
= 1.58:1 =1.57:1
= Out Siders Fund Shareholders Equity = 191551291 10357847 = 208991751 11377527 = 18.49:1 = 18.37:1
= 10357847 x100 = 2.96% 350406373 = 11377527 x100=3.06% 370747280 =Current Assets Shareholders Fund =29.24:1
=302946341 10357847
=328968829 11377527
9- Return on Assets
=Net profit (after Tax) x 100 Total Assets = 31316 x100 =0.009% 350406373 = 461227 x100=0.12% 370747280 =Total income Total Assets =35291180 350406373 =33732443 370747280 =0.10:1
=Net Profit after Tax Total Deposits = 31316 294754493 = 461227 316493342 =0.0001:1 =0.0014:1
= Advances
x 100
Total Deposits 1999 2000 = 122559342 x 100 294754493 =140325289 316493342 x 100 =41.58% =44.34%
Although NBP is included in ten top most banks of the world equity as well as assets wise, but for the further improvement in various sectors may recommendations to the bank would be as follows: PLANNED AND HEALTHY COMPETITIONS: NBP should become very specific about its competitors, so that it can understand who is its competitor in the first degree and who is in the second degree. Then the first-degree competitors should be watched closely. FORMATION OF A RESEARCH CELL: A research cell should continuously try to gather information about the present action so its competitors and expected future actions. So in this way more effective strategies can be formulated. REWARD SYSTEM: The performance reward linkage should be make strong as it is said, "A happy employee delivers more than he receives from the organization." The NBP should also try to make its employees happier. An Internship Report
There is immediate need, to reconstruct the personnel policies. Selection should be through newspaper advertisements. In this way more intelligent, efficient and qualified staff can be formulated.
It is strongly recommended that N.B.P. should go for computerization rather than manual work, which is very slow and time, consuming process. In this age N.B.P. even does not have a partially computerized system where as other new competitor banks are now going towards on-line banking services. Govt. should take keen interest to recover its bad debts, which can improve its financial position. In case of giving the loans, it is necessary to check the repute of customer towards loan repayment. Bank shouldnt advance the money to those people who are addict of rescheduling of loans due to their political influences. Instead providing loans to these persons, loans must be advanced to the well-reputed businesses and industries having good record of loan repayment. Along with the officers, the training must also be given to the clerical staff. Because of N.B.P. are running on manual system and the training of its staff directly improving their efficiency of work. Present training program for its officers is need to be improved, as this program instead of improving the efficiency of officers is merely a burden for the bank in the form of heavy T.A. , D.A. and cost.
Working conditions must be improved for the employees. Bank will definitely get more benefits after some expenditure on the working conditions as it improves efficiency and productivity of the employees. An Internship Report
N.B.P. should flourish certain marketing plans to attract the customers by giving them certain incentives and beneficial schemes to the customers as other competitor banks are doing so. There is also a need of proper recruitment and selection program. New young talent should be introduced to inject the new ideas. Deterioration in efficiency is mostly due to promotion without merit. So promotions must be awarded on merit and also when due. Special attention should be given to the behavior of the employees towards the customers, as customer is the most important person for any bank. There are many employees who are working on ad-hoc basis creating dissatisfaction. The deserved should be made permanent employees. Political influences in the bank should be eliminated. To motivate the employees of the bank, regular bonuses and incentives should be given to them. There must be a friendly environment among all the employees as it enhances the trust and sincerity. NBP should be focus its attention towards the share of traveler cheque. Branch manager should be trained in the field of selling to serve better according to the expectation of customers. The recruitment policy should be fair and transparent. Management should increase the branch limit of expenditure to fulfill the necessary expenditure of personnel relation.


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9+ Lebenslauf Ausbildung Vorlage
A survey may be associated in almost any area. This poll is going to do the job exactly like a survival device which without a doubt will help you to establish the gratification degree of the people. This survey aids in signaling the overall improvement of this pupil.
A poll has to be clear and simple to use so that individuals aren't likely to have a really hard time answering it. You'll find tons of likely wonderful things a questionnaire could do, in the contest you put it to use based on its functionality. It is a technique in used data that addresses all the sampling of either a people or its members to collect information and examine outputs based on the info that's been collected. Taking a questionnaire is the most probably not the highlight of somebody daily. In essence, the form of survey or questionnaire that you pick will undoubtedly likely be tailored to your own project.
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Survey is a technique used by selection of different peoples and company organizations to get information from the particular portion of the person in order to gauge population features towards some thing such as a problem, event, incidentor item or business. Apart from reminders and instructions you can find various forms of surveys employed for their respective functions. These polls supply true info and information concerning the worker's condition of thoughts and also opinions towards the company. Standard information of the person that may respond the poll. When these types of surveys are great for studying detailed in regards to their users and their own thoughts, they truly are also able to be really tricky to interpret and outline. Such polls are performed through questionnaire types.
If you are intending to design a questionnaire, you will need to learn a few of the fundamentals about questionnaire design and style. Based on the number of complete concerns, building a questionnaire may take longterm. Questionnaires are many times used by the government to find more info about geographical spots, the lives of its own citizens, and also assess that apps eventually become funded. Utilizing a survey to find out more about your customers or other stakeholders, for example a organization or organization, is critical to adequate crowd exploration.
Each problem is followed closely by means of a wide selection of alternate options. Determined by which client metrics you mean to use, it's going to figure out what type of questionnaire questions that you should consult your visitors. The tough part is understanding how to compose your client satisfaction survey issues.
Some templates can only be gotten on paid options. Some templates using over 10 queries is found all options, however you will call for a paid out plan therefore as to edit the inquiries in the template. Our templates supply you various alternatives which are very valuable to the upcoming surveying. These templates are all readily available to work with you to make patient satisfaction polls without trouble. The survey templates help in extracting these kinds of vital info and data and certainly will be exceedingly useful to the general rise of the company. Almost certainlya satisfaction questionnaire template could be run through the use of closed or open ended issues that obviously, based on certain requirements of the questionnaire or in agreement with the needs of surveyor.
When you have decided on a template, then you are absolutely free of charge to personalize it you desire. When you find a template you would like touse, simply click Apply this template in the base of this preview. The better part of the templates are ready to use and curently have a lengthy collection of inquiries enlisted inside them. So to be sure that the Survey Template allows you to look for a survey most appropriately avert making extended collection of alternatives and theories that are challenging to understand. Obtaining the worker survey template is simple.
The template is quite easy and very user friendly. Besides this particular specific purpose, the templates are also useful for your role of estimating the workers a reaction to specific requirements and conditions in the business or business enterprise. You may possibly look at our sample product or service Survey Templateand Customer Research Template should they truly are the type of surveys that you just require.
That Which You Have No Idea Concerning Example Proposal Can Be Costing To Much Over You Believe
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Every one who filed a proposition will be informed while the choice is taken. It really is most likely a result of careful study and formal investigation compiled relating to a brand-new business venture that may turn out to become profitable or economically beneficial. Split up suggestions are expected as a way to be more thought about for both programs. Secondly, along side seeming professional, your proposal should appear skilled. It doesn't have to be protracted (a few paragraphs will do), but it should be significant. Incomplete proposals won't be appraised.
To get the attention of this right decision makers and show that you just realize what you are referring to, you have to write a proposal. Proposals exist for several of exceptional aspects. Around the reverse side, you also should graciously decline the provider proposition from other companies by means of rejection speech.
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You should earn a solid connection between your company along with the buyer's needs. It will likely be detailed in the event you've already landed an client. What's more, it's appropriate for the customer to comprehend the firm's plan about unusual scenarios. Present or clarify what kind of outcomes you created to get a different customer or a company. The Proposal supervisor need to reevaluate the exactly what, who, if, and also the way the proposal will be developed. Our habit creating firm stipulates the ideal customized research tips online in the most inexpensive rates. If you wish to cultivate your business by linking to your nation and local government chances, Find RFP is ready to provide assist.
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The formula is, fundamentally, a narrative. In addition, it is dependent upon using some collection of persuasion techniques known as the weapons of influence. You can find just two common classifications of an organization suggestion. Wallpaper of the proposed search Water is incredibly important abiotic portion of their environment.
The solution or approach to an issue involved with the suggestion is important to profitable the legitimate proposal. Such matters will be the precise same for that full field. Presently among the most significant dilemmas of Germany may be that the worldwide economy that undergoes adjustments that are great. At an Proposal to correct an issue, it's imperative to spell the matter namely and globally. The matter is that the pen sharpeners at the classrooms are very older and don't receive the task finished effortlessly . More critical alterations, including a comprehensive change in program or a request drastically varied financing, will take the hours and energy for you to accept and may call for more documentation. On the list of keys of a booming suggestion is comprehending possible troubles, and resolving these.
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The college pupil gets the chance to look over a completely free instance research proposal about how people support delivery and also have to understand about the procedure of analysis and writing from this topic. The pupil who's composing a research proposal need to appear carefully at the arrangement of this newspaper and the justification of this range of the field. It is very important that you do your investigation, also be ready just before you commence bidding for the contracts. It is probably that a good deal of the analysis you've ran so far will be classified as secondary. Broadly speaking, social science research, a scientific research study research, implements related research definitions the exact same as different selections of study such as marketing research that is inherent with both the quantitative strategy and qualitative tactic, clinical research that is highlighted on particular subjects including pharmaceutical, compound and healthcare analysis, etc. Range of sampling method The analysis is going to be conducted via the questionnaire from individual interview. Its vital that you plan your own way into this subject matter the level to which you should regain, read and master the right literature about the subject, the issues you wish to discuss, and also the method by which in which the discussion is going to be framed.
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Your salary requirements shouldn't be recorded from the restart, in the event that you are able to avert it. Also it is imperative that you just simply make the resume to the demands of the particular job that you're obtaining this there's no extraneous information there. For people with college skills your senior school credentials are not needed. In years ago that a senior high school degree has been all that is crucial to find a decent paying work that you can utilize to support your nearest and dearest.
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Under every single job you've done from days gone by listing the occupation activities and most your teaching styles you have found in every of many task area. It will be likely to also provide advice about any professional memberships which you've in it. It is imperative to add information regarding the instruction certifications within an teachers resume.
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Your school work could appear that there is no huge point. If you are out of work and searching to get a new job, or you're tired of one's current job and would like a shift, developing a stellar resume is just a important element to getting the job which you dream about. Volunteer operate might even be useful to exhibit techniques and experience, even if you haven't obtained them through paid work.
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The contact of the customer care section of one's insurance policy carrier can be found of your insurance carrier card. There certainly really are several of major forms of covers for spare tires which are currently available on the marketplace. Don't make the mistake of believing that because you've put in the last a decade in a particular area, you're necessarily well-versed on that field on a worldwide level. Should you think there is a shared curiosity, then I would exude the chance to hook up with you to hear more about your company, the demands of this career, and also the way my expertise are a superior fit. Cover letters, so to the reverse side, is going to require to get changed each and every moment you send out them as they should be more tailored to your own company and position you are applying for. Not all insurance businesses pay compression stockings when recommended by a doctor. If you are refused call the insurance company and have to get help from a supervisor and ask the reason why.
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You believe you possess a reasonably good deal on how a resume and cover letter should be put with each other. Delivering a letter full of misspellings and grammar is unprofessional. You may clarify in the letter it really is you are trying to get employment using this particular corporation or why you could possibly be jobless or there's a gap in employment. Your cover letter should state temporarily not precisely everything you have done, your achievements, however the type of situation you are applying for & most significantly, everything you are able to do in order in order to help the business while in the position you are applying for. When it regards the application cover letter, many individuals contemplate what things to write. A resume cover letter is like wise an exceptional software for explaining issues which are not evident in the own resume. Goal A cover letter ought to be tailored into your particular business.
If you're uncertain how to compose a cover letter, then you will notice several completely free templates online. A resume cover letter needs to be restricted to two pages accordingly that the second paragraph needs to be concise. It uses exactly the very same template as a letter. You only need to prepare yourself a productive coverletter in the event that you may love to secure a fantastic occupation. Every cover letter, no matter the kind or position thinking about, should be more compelling! It is true, you have to tailor your cover letter to get each particular job.
The memo is just one of many classical resources in delivering the info in an company. Besides mails, memos are an essential part of formal small business communications. Developing an memo for almost any goal is often rather tough when you're not mindful of the format.
In the event that you need to send out memos usually for different reasons and will need to facilitate your weight you might make use of the sterile Me Mo templates that are offered for premium and free download to the world wide website. Memos are all tailored to meet the escalating needs of subscribers that were fast. By way of instance, a selection memo is utilized by legal and company entity to see the last decision in his or her own proceedings.
Get the task which you want with a Me Mos officecom that highlights your own experience in various ceremony conditions. For example, on your office, you will make a memo reminding some one to carry out a specific endeavor. A memo could be sent to numerous different people in just a small business or company. For instance, a lawful memo ought to own a structure which reflects insulting and professionalism.
There are lots of reasons why it really is you are delivering a memo. The Bloomberg is considered only a little but the most efficient software to deal with the circulation of goods and funds also. Inter Office memos are many times useful for matters that are really intense and of excellent significance as it is the concrete kind of material without the likelihood to becoming ignorance and mistakes.
When composing a memo, first be certain you see what you're creating. Occasionally, a memo is transmitted to individuals over and above the company. But it isn't as common and can be typically utilized for enterprise communication within a organization. You never will need to place a memo containing contents that are false. If you should be sending handwritten memos you might make duplicates of this template as a way to do not have to publish one each time that you require it.
If you unsure how to get a memo, memorandum sample can be really just a great guide to support you in making your memo. It's a ready touse memo which simply require a little modifying to make message move ahead. A Me Mo is just a short title of Memorandum. Even a very simple memo is also incredibly straightforward and laborious.
Memos should be used whenever you'll love to communicate advice to a lot of individuals as part of your own organization written down. Writing a memo is also a pretty easy task and doesn't call for any skilled or technical skill. When you have to compose a small company memo, it may be very useful to use a fill-in template to start.
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Sample Memo Template is particularly designed for you to simply get benefit from its own materials and style. Whenever you are using the Memo Template and also you also change this upward, you can allow it to be particular to the organization or organization. If you're on the lookout for high-end memo templates, then we still suggest that you select premium ones.
Simply visit your house site and search for the specific memo type that you want. The memo is just one of the trickiest tools which have been in operation for many past decades. In addition, in contrast with all the typical records, a policy memo stipulates in decision in the start.
Others regularly make use of memos, also will consult the employee to register the memo. Memos are really just such as letters, even with the main distinction being which they are usually meant only for associates of one's own company. Additionally, the memos really are a breeze to disperse messages. Mail is easy, but you can however must compose an official memo today and .
Memos must be objective and should state facts. Additionally, other types of all memos are located in outside internet site. It's quite much similar to a correspondence . however, it's sent out of one employee to the other within a provider. Memos are unquestionably the very popular format from the business universe. A blank Me Mo usually varies dependent on its intent. Under the company name and symbol, there is a fearless correspondence Fax Memo.
You need to create your resume memorable, thus opt for a template you can throw your own style into. The entire assortment of resume templates is made up of an variety of creative resume layouts. As soon as a restart template is selected by means of an individual, it is readily moved to an individual's computer once the person accomplishes a download of this template by the Microsoft Office Online site. The first thing you should do to efficiently use a resume template is always to pick out a project which you would like to get! By using a resume template is also now a decent and wise practice for multiple aspects. You are going to see that having a resume template will be able to save you a excellent deal of time.
You don't will need to commence all over again when applying for another kind of occupation or within a different industry. Once you are requesting for a job which relies on the strengths of the individual, you will require a restart template that you could inject somewhat bit more personality to allow it to pop up'. It is cool you are trying to find a job to get a little dollars, but you need some troubles using restart. Also be sure you tailor the file to the job you're looking for. If you would like to locate a new job, the internet is just a great reference. In the event you prefer to find a new project, then you have to have a really good skilled and well-written restart to publish.
The absolute most hard thing here is always to figure out which resume format would be right for you. Each restart arrangement has been produced to increase your odds to come across the occupation in 2018. Don't forget that utilizing the best resume arrangement you wouldn't simply stand from a bunch of different applicants, however might draw attention to a candidacy. You should comprehend that resume format is important, as it can certainly enhance your chances to get invited for a scheduled appointment. As time moves, many structure or even kinds of resumes were introduced.
Simply incorporate each of the skills you actually have. Then, circle all the skills you've got. Ultimately, underline all the skills you do not already have however, you can readily map a few of those skills that you have to. Working at a business to get a certain period of time is as natural that you just find new capabilities and examine your constraints. A lovely, Mini Mal and userfriendly template you might edit based on your skills and expertise.
Writing your resume never been simpler. Professionally, our resumes are most often the very first impression a prospective employer gets of us. If you are attempting to customize professional, pre-formatted resumes, look at our free templates that are downloadable. In reality, resume templates really are an basic ways to make a resume.
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The Foundation supports a range of fundraising activities organised by the College P&F groups and on behalf of the Colleges' community.
12 October 2019
Ultimate 80's Night
Moreton Bay College - Hargreaves Road. Gates open at 4.00pm
For full flyer click here.Book now!
The Foundation has held a number of events to raise funds for projects at Moreton Bay College and Moreton Bay Boys' College.
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Do you really feel like you have satisfactory knowledge about baseball as a sport? It really is an American favored, and you have to recognize that there is so significantly to know. Continue reading through in order to find out some essential fundamentals about the sport so that you can become the player you want to be.
Discover how to strike a ball with no chasing it b
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Monica Friesen nation & world layout editor I once heard a pastor describe Christians as having two faces: the face of a lion and the face of a lamb. Every Christian is to possess within herself
Bughouse Square: Learning Shabbat
Maaike VanderMeer guest writer So much is familiar in this Sweeting classroom with its clean blackboard and fluorescent lights. Some desks are pushed together to make the long table we share. The food is
Optimism in the face of evil
Julia Ditoiu president of Kesher Imagine with me living in the United Kingdom in the year 1938. Hitler is in control of Germany and has begun expanding the Nazi regime. First he takes Austria and shortly
Bughouse Square: Responsibility before power
by Joabe Andrade II sophomore theology major "Peace in our time." These were the words British Prime Minister Neville Chamberlin declared when the Munich Agreement and the Anglo-German Declaration was signed. The treaty was supposed
Bughouse Square: Snowstorms in March
by Margaret Tazioli future editor-in-chief On March 23, 2015, three days after the arrival of spring, a storm dumped five inches of snow across Chicago. Everyone woke up to trees with icy branches and plow
Bughouse Square: Modeling church growth after the apostles
by Ben Wilson assistant professor of Bible Church growth is a popular topic within American church circles. You don't have to search very hard to find blogs, books, consultants and conferences that exist to help
Bughouse Square: Singing the new ID blues
Bughouse Square: The wonder of manifestation
Christians are a wondering sort. We are captivated by the wonders of God that cannot be fathomed (Job 5:9), rendered speechless by the wonders that God has done (Psalm 105:5). But "wonder" is an indefinite,
Bughouse Square: Discovering the manifestation of wonder
by Brandan Robertson class of 2014 A lot changes over the course of the four years a person spends at Moody. So much of what we are so certain of when we step on to
Bughouse Square: A Legacy of Generosity
by T.K., "Your semester balance is zero." "Zero?! But I still have three months of payments to make!" Senior year, half way through the first semester, and I wasn't sure where the money would come


text: Are you fat Quiz at Quiztron Make a quiz or personality test and send it to your friends! Quiz Search: Take Quizzes Make Quizzes Discuss Most Liked QuizzesLatest Quizzes Alert! You have New Private Message(s)! (4:02:25 PM) Read Now Are you fat? Okay, so I saw a post on Yahoo Answers saying that a 5'5 girl shouldn't weigh more than 90 pounds or else she is considered a 'moo moo cow' as the commenter put it. To say the least, I'm upset by this. I made this quiz to show people of both genders if they are truly fat. I don't own the pictures. 1. How much do you weigh? 80 - 100 pounds 101 - 130 pounds 131-140 pounds 141- 160 pounds 161- 180 pounds 181 - 200 pounds Over 200 pounds 2. How tall are you? Shorter than 5`0 5`1 - 5`6 5`7 - 5`10 5`11 - 6`1 Taller than 6`2 3. If you are a girl, what type of figure do you have? Straight up and down, not very curvy Hourglass figure, very curvy Pear figure, bigger in the butt and thighs I`m a male Bigger in the chest than in the bottom Bigger in the midsection than in any other place 4. What do your friends call you? They say I`m rail thin They say that I`m skinny and should gain a bit of weight They say I`m perfect They say I`m a little chubby They say I should lose a little weight About This Quiz Likes: +4 Times Taken:1,121 Comments:6 Created on:6/20/2016 12:01:46 AM Made by:emoartist Delete This Quiz | Edit This Quiz Share This Quiz About Us | Contact Us | Privacy | Close Your Account © 2019 Zertical, Inc.


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REEDSPORT — It's hard to miss the Reedsport offensive linemen. It is not just because the team's starting unit is, on average, 6-foot-2 and 240 pounds but because the roster seems to be chock full of linemen.
"It feels like almost half the team is made up of offensive linemen," said second-year head coach Boe Pickett. "I'm just looking at that like, 'Oh yeah, let's go.'"
Reedsport's Kaileb Pickett fakes a handoff to Kai Royle during practice Aug. 28 at Reedsport High School.
For Pickett and the Brave this is great news after last season's linemen, and team as a whole, limped their way to the end of the 2-7 season. Reedsport finished last year with 24 players on the roster, half of which were freshmen. Since then, Pickett has been recruiting across campus looking for athletes, former football players and anyone else who is ready to put on the red and black.
While teams across the state and in Reedsport's league are struggling for numbers, entering the season the Brave's roster is healthy with over 30 players on the team and the possibility of a few more joining. With a full cast ready to go, the engine that will make the team go is that big group up front. Returning from injury after missing all of last season will be senior guard Jacob Chaney, who has seen the team go through some struggles in this position.
"For me, the last football game I played in, a bunch of guys were hurt. We were playing in the state playoffs and on my left and right, had a kid that was about 5-5 and a kid that was about 5-6," recalled Chaney. "To have this, I'm just like, this is awesome. I have people there that are willing and able to block with me."
Chaney was forced to miss all of the 2018 season after tearing his labrum during basketball in the winter of that same year. Injured during a practice, he continued to play not only for the rest of that practice but also for the forthcoming baseball season, in which he was the team's second pitcher. The tear was to his pitching arm.
Now with two healthy arms, Chaney, is ready to be in the heart of the action.
"I'm ready to put the pads on, that's what I'm ready for. I know the game of football, I'm ready to hit. So whenever we put the pads on that's when I'm going to be jittering. I'm excited, it's been two years," he said.
Joining Chaney on the line will be the likes of seniors Chris Reed and Kahnor Pickett, sophomore Mason Gallo-Rochon and transfer Phillip Taylor.
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"Basically, the line last year fell apart a little bit just because it was a lack of practice that we could get live. We could only do a certain amount because of injuries and player numbers at line where this year we have all that so we can kind of build the energy," said Kahnor Pickett. "We can be the moving wall destroying people and letting our running backs do what they do behind us."
Behind that offensive line will be Kaileb Pickett at quarterback and Miguel Velasquez and returning starter Alex Carson at running back. The offense will be assisted by Tyler Thornton, who was at Marshfield last fall, at receiver with tight end Javier Analco, who also puts time in at punter and kicker.
On the defensive side of the ball, the team will be anchored again by the play of the line. The plan is for at least two linemen who won't be starting on offense, to start on defense. Filling out the rest of the defense will be Ethan Logo at corner, Thornton at safety and Derek Johnson, Carson and Kahnor Pickett at linebacker.
But the biggest change for the defense is with play calling. While head coach Pickett was often calling offensive and defensive plays a season ago, help has come in the form of assistant coach Bill Shaw. For the last 10 years Shaw has been head coach of the eight-man team at Elkton High School. Prior to that he spent a decade with standard 11-man teams.
"I forgot what it was like to have cover over the top of your defense," Shaw said of the difference between 11-man and eight-man. "It's so hard to put a safety in in an eight-man scheme. You've got to funnel them in the middle of the field. I'm excited to give this a go."
Feeling at home on the defensive side, Shaw is excited to apply pressure and make opposing teams uncomfortable. Just as he did at Elkton, he is looking to take risks in order to create chances to get sacks or interceptions and force fumbles. But to do that, he is looking for players with a certain mindset.
Reedsport players drive a sled during an Aug. 28 at practice at Reedsport High School.
"People use crazy words but defense is about violent contact, you're either going to hit or be hit. It's your choice. Either someone is going to come at you or you're going to fly up in there and do something," said Shaw. "And so you know, it takes a strong mentality to put your nose in there and risk seeing a flash of light."
After finishing 2-7 and winless in league, there are varied expectations across the team. While some players have realistic-seeming hopes of getting back to .500, head coach Boe Pickett has higher aspirations.
"We're shooting for league, that's the goal. We're shooting for league and we're shooting to go into playoffs and go deep," he said. "I told the kids on the very first day, expect to play until late November. That's our goal, to play until Thanksgiving, that's the goal every season."


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|1h 33m
|50.1 miles
|Average price
No, there is no direct train from London Stansted Airport (STN) to Ealing station. However, there are services departing from Stansted Airport and arriving at Ealing Broadway station via Liverpool Street station. The journey, including transfers, takes approximately 1h 27m.More details
The distance between London Stansted Airport (STN) and Ealing is 36 miles. The road distance is 50.1 miles.Get driving directions
London Stansted Airport (STN) to Ealing train services, operated by Stansted Express, depart from Stansted Airport station.More details
London Stansted Airport (STN) to Ealing train services, operated by London Underground (Tube), arrive at Ealing Broadway station.More details
There are 8365+ hotels available in Ealing. Prices start at £75 per night.More details
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Catering specifically for highly sensitised, fine hair, the Kérastase Nutritive Fondant Magistral delivers intense nourishment to restore super soft, healthy-looking strands from root to tip.
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This Sunday, four megastars will go head to head for one of the Grammy Awards' most coveted prizes: Album of the Year. Adele, Beyoncé, Drake and Justin Bieber each had top-selling and streaming albums last year and successful tours that followed. Who was the year's top earner?
Using data culled from Forbes's 2016 Celeb 100 list that tracked celebrity earnings from June 2015 to June 2016 and 2016 touring data from Pollstar, here's a snapshot at the big four's likely bank accounts. (It's important to note that the figures listed are the touring grosses, so the stars took home far less than those numbers.)
Forbes estimate: $85 million
Touring Gross: $95 million
Brand deals: None
Forbes estimate: $54 million
Touring Gross: $169.4 million
Brand deals: Ivy Park athleisure, Tidal, HBO
Justin Bieber
Forbes estimate: $56 million
Touring Gross: $90 million
Brand deals: Calvin Klein, T-Mobile, fragrances
Forbes estimate: $38.5 million
Touring Gross: $84 million
Brand deals: Apple Music, OVO Record label
Sturgill Simpson
Who? The country singer might not be a household name like the other four stars, but he's up for Album of the Year – and trying his hand at making a few bucks selling "Who the F*** Is Sturgill Simpson" shirts.
The moral of the story? Grammy gold is fine, but for an artist's wallet, it pays to diversify and tour.


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Lotus Evija hypercar undergoes further testing at Hethel
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eCoty 2019: evo Car of the Year preview
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You've searched and succeeded, all our images have been found.
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