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Introduction and History


Founded in 25 August 1941 in Bombay
Established by Habib family
Capital 25000rupess
Quaid-E-Azam was 1st account holder
Head quarter move Karachi after born
of Pakistan
Habib bank plaza
located in
Karachi. It is
the head office
of habib bank.
Branches of HBL

It has more then 1700 branches at


domestic level
55 branches in 26 different countries U.K ,
U.S.A, Hong Kong etc
Largest banking sector of Pakistan
Nationalization & Privatization

HBL was Nationalized in 1974 and it continue


to Dominate the Commercial banking sector.

On February 26, 2004, Management control


was handed over to Agha Khan Fund for
Economic development.
Vision, Mission and Values
VISION

Enabling people to advance


with confidence and success
MISSION

To make our Investor(s)


prosper, our staff excel and to
create value for our
stakeholders.
VALUES

Our values are based upon the


fundamental principles that
define our culture and are
brought to life in our attitude
and behaviour. It is our values
that make us unique and stem
from five basic principles.
BOARD OF DIRECTORS
SULTAN ALI ALLANA
(Chairman)
AHMAD JAWAD
(Director)
MUSTAFA MALIK
(Director)
SAJID ZAHID
(Director)
BOARD OF DIRECTORS
MOEZ JAMAL
(Director)

SIKANDAR MUSTAFA
(Director)

R.ZAKIR MAHMOOD
(President & CEO)
Management
1. R. ZAKIR MAHMOOD
President & CEO

2. SIMA KAMIL
Head-retail & consumer banking
3. AYAZ AHMED
Chief financial officer
4. JAMIL IQBAL
Chief Compliance officer
5. SALIM AMLANI
Group internal audit
6. TULU ISLAM
GM-BRANCH & TRADE OPERATIONS
7. NAUSHEEN AHMED
Company secretary & head legal
8. SOHAIL MALIK
Chief risk officer
9. NAUMAN K. DAR
Head-corporate & investment banking and
International banking
10. ABID SATTAR
Head-Global operations & learning and development
11. MUDASSIR H. KHAN
Chief information officer

12. ASLAM GADIT


Head-remedial assets

13. MIRZA SALEEM BAIG


HEAD-ISLAMIC banking

14. ALY MUSTANSIR


Head of marketing & brand management

15. M.SALAHUDDIN MANZOOR


Global treasurer
16. DR.RAZI AZMAT
Head Human Resources

17. FAIQ SADIQ


HEAD PAYMENT SERVICE
18. ABDUR RASHID AWAN
Business head-semi urban areas

19. AMAN AZIZ SIDDIQUI


RGM-GULF (USE, OMAN, BAHRAIN)
20. SHAHID FAKHRUDIN
Gm-International & Market Risk Management
AWARDS
2008
Best Bank in Pakistan
Most Innovative Market Award

2009
The Best Emerging Market Bank in Pakistan
HBL Among Top 500 Global Financial Brands
AWARDS
2010

HBL wins Emerging Market Bank Award in Pakistan

The annual World Bank and IMF Meetings 2010 in


Washington, D.C., HBL was presented with 2
awards: Best Bank Pakistan and Best Trade
Finance Provider Pakistan. These awards were
conferred on HBL in recognition of its
achievements in product delivery and service
quality in the markets where it operates.
DEPARTMENTS
Cash Department

The cash department is the most important


department of the bank, it receives cash from
the customer and then deposit it into the
accounts of the customer and maintain their
balances.
Bills and Remittances Department

The main funtions of this department


is to deal in following:
1.Outward bills for collection(OBC)
2.Inwards bills for collection(IBC)
Foreign Exchange Department

The main function of this department is


to facilitate the imports and exports by
opening up of letter of credit the banks
provide.
Credit Department
The function of credit department is to lend money
in the form of clean advances against promissory
notes, as well as secured advances against tangible
and marketable securities. The bankers prefer such
securities that do not run the risk of general
depreciation due to market fluctuations.
PRODUCTS
Deposit Accounts
Current Accounts: Savings Accounts:
HBL Freedom Account HBL Value Account

HBL Business Value PLS-Saving Account


Account
Daily Munafa Account
Current Account

Basic Banking Account


DEPOSIT ACCOUNTS
Term Accounts: Foreign Currency:

HBL Advantage Account Foreign Currency Saving


Account
Investment Plus Deposit
High Yield Foreign
Currency Fixed Deposit
SERVICES
Services
ATM
Internet Banking
Mobile Banking
Phone Banking
Debit Card
Credit Cards
ATM Internet Banking

Cash withdrawal
Funds Transfer
Account Balance
HBL Credit Card bill
Enquiry
payment
Mini Statement
Cheque book Request
Funds Transfer
Utility Bills payment
Utility Bill
Payment
Mobile Banking Phone Banking

Funds Transfer Balance inquiry


Utility Bills payment Account information
Account / Credit Card Stop cheque payment
balances request
Account / Credit card Credit Card activation
statements & de-activation
Debit Card

All services offered through ATM can be


availed using HBL Debit card
Upto 15% on leading restaurants
Credit Cards
Gold Card Green Card

Credit Limits
Minimum Minimum
150000 20000

Maximum Maximum
500000 149000
HBL ADVANCES
Car Loan
HBL CarLoan helps you get your preferred car through a simple
and hassle-free process, backed by superior service and support.

Features

Choice of used, new local/imported and reconditioned imported


car
Repayment options ranging upto 7 years.
Upto 85% of financing for the car of your choice.
Insurance at all times for complete peace of mind and security.
Home Loan
HBL HomeLoan offers financing options to purchase a new
house or renovate an existing house.
Outright Purchase
The outright purchase loan option
provides financing for buying a new
house.
Home Improvement
Home-improvement loan option
provides financing for renovating your
house.
Personal Loan
HBL Personal Loan

With HBL Personal Loan Gain the


freedom to use hard cash for all your
needs.

Processing Fee on approval only.


Repayment tenures 12 to 60 months
Amount Rs. 25000 to Rs.2000000
Quick Processing
Free life insurance
Bancassurance
HBL and New Jubilee Life Insurance Company Limited (NJLI) introduce

Amaan: Retirement Plan Tabeer: Education & Marriage Plan

Amaan is a pension plan that provides Tabeer is a plan that provides


an opportunity for growth through parents with a means to
investment in a balanced portfolio with accumulate a fund over a
post-retirement income benefits. period of time which can then
be used to pay for a childs
education or marriage.
SWOT Analysis
Strengths
HABIB Bank is well established bank enjoying long history of over 65 years of
experience and profitable operation.

HBL is the largest private bank in Pakistan now and people trust is very high

It has the largest branch network among private banks of Pakistan.

HBL has been very effective in controlling costs as it successfully restructured


itself after privatization.

Excellent branches appearance gives an edge to HBL over other banks. The
branches are well furnished even in less developed areas where other banks
branches give a poor view.
WEAKNESS
All branches are not online

Low rate of interests on deposits

Unfavorable union activities and management conflicts

Checking System is at intra-department level

Weak marketing policies

Centralized management in particular areas


Opportunities
Huge untapped market

Growth of international network

Opportunities for growth and expansion in cash management.

Faster market growth represents opportunity to grow

Restoration of investors confidence and pick up in private sector


investment flows.

Large deposit base and funds flow can help to avail related market
opportunities
Threats
Other private commercial bank with sound profitability is also a
threat to HBL e.g. UBL, Alfalfa, MCB etc.

For the 2 to 3 years, Pakistan is facing economic and political


instability which is a big threat.

Foreign banks are flourishing in field of consumer financing.

Afghan war and terrorisms has an effect on the economy of


Pakistan.

Increased regulations from state bank of Pakistan may affect its


business.
PEST Analysis
POLITICAL AND LEGAL ENVIRONMENT

Banks are strongly affected by the political and legal


considerations. This environment is composed of regulatory
agencies and government law that influence and limit various
organizations and individuals. Mostly these laws create new
opportunities for business.

To protect banking companies from unfair competition.


To protect consumers from unfair business practices adopted by
banking companies
To protect the interest of the society from unbridled business
behavior.
ECONOMIC TRENDS
A banking market requires better consumer market in
volume along with higher borrowing power. The available
borrowing power depends on:
Consumer income
Saving rates
Consumption patrons
Rates of interest
Budget deficit
Exchange rates
Cost of living
Inflation
SOCIO-CULTURAL ENVIRONMENT
A society is shaped by beliefs, norms and values. People
in a society consciously and unconsciously interact with:

Themselves
Others
Organization
Society
Nature
Following are the main factors. Which arise because of change
in socio-cultural environment?
Consciousness about services
Concern for environment
Improved customer relation
TECHNOLOGICAL FACTORS
Forces of technological advancement have played the
most dramatic role in shaping the lives of people. The
rate of change of technology has greatly affected the
rate of growth of economy. New technology is
creating deep rooted affects which could be observed
in long run.
Financial Analysis
MAIN PROBLEMS
There is noticeable communication gap between upper level management
and operational staff.

There is also overstaffing in HBL moreover inefficient individuals are in


credit card department.

There is huge difference in approaches of experienced staff &young staff

Imported upper level management

Experienced staff is frustrated mainly because oftwo reasons

Salaries have not been revised from last 10years

Experienced Habibians are neither satisfied by the privatization of bank nor


they were taken into confidence at that times
Recomendations
Employeestrainingprogramsmustbeintroduceoncontinuousbasis
so that employees have understanding with the latest developments
speciallywiththecustomers.

Bank should introduced incentives plans for employees on regular


basissothatifemployeesmayworkwholeheartedlyforthewelfareof
their organization. While giving incentive qualification, work,
experience,hardworkandsuchotherfactorsmuchbeconsidered.

Mismanagementofresourcesmustbeavoidedasmuchaspossibleas
adecreaseprofitbutdiscouragehardworkersandhonestemployees.
Recomendations
Freshgraduatesmustberecruited,asthecombinationofexperience
andfreshcanproducebetterresultanditwillimprovetheefficiencyof
management.
HabibBankisgoingtowardsmobilebankingbuttheproblemisthat
acommonclienthasnoideaofitsusageduetolackofmarketing.I
think that a proper marketing program must be launched for client
awareness.

Banksdifferentschememustbeconveytothetargetedcustomers
sothattohaveareasonableshareinmarket.

Bankshouldhelpthesocietybyprovidinginterestfreeloanstothe
talentedstudents.
Conclusion
HBL is clearly thefirst choice of everyone who believes
inqualitative approach ofbanking an environment of highly
responsible people. Bank is enjoying a healthy market share and
taste ofgood status in terms of its operative features
support. HBL is clearly the best bankoperating in Pakistan.
Corporateandcommercialfunctionsaredistinguishedfeaturesof
HBLexperiencing a good reputation and reasonable mark up
with respect to prevailing market mark up with assurance of
satisfaction and support. HBL has more customers as compare to
otherbanks,iftheygivenproperattentiontoeverycustomerthen
infewyearsitwillbetheleadingbankofthecountry