Hbl

INTRODUCTION TO HBL HBL was established in Bombay in 1941 Established operations as the commercial

bank in, Pakistan in 1947 First international branch was established

in Colombo, Sri Lanka in 1951 It was the 1st Muslim bank of the sub

continent It was nationalized in 1974 It was privatized again in 2004

INTRODUCTIN TO HBL (cont’d) It is one of the largest banks of Pakistan 1466 branches inside country 112 overseas offices in 25 countries AKFED acquired 51% of shares of HBL,

against an investment of PKR 22.409 billion.

HBL awarded best bank of the year 2009

Abdus Salam

Enabling people to advance with confidence and

success

To make our customers

prosper, our staff excel and create value for

shareholder

•Excellence • Integrity

• Progressiveness •Meritocracy

•Customer focus

PRODUCTS Of HBL Different products are segmented by ages,needs,wants and

customer’s satisfaction. These products are as follows:

1. DEPOSIT ACCOUNT Current Account. Foreign Currency Account PLS Account Term Deposit Account HBL Freedom Account HBL Business Value Account

PRODUCTS Of HBL (cont’d)

HBL Advantage Account HBL Value Account Daily Munafa Account

2.HBL ID3.Money Club4.Personal Loan5.HBL Easy Loan6.Credit Card7.Debit Card

PRODUCTS Of HBL (cont’d) 8.HBL Car To Car 9.HBL Small Business Finance10.HBL Easy Access11.Internet Banking12.Phone Banking

13.Mobile Banking14.Prestige Banking


15.Housing Finance

16.Lifestyle

OTHER PRODUCTS:

17.Dollar Traveler cheque

18.Deposit Growth Certificate

19.Special Five Years Certificate

20.Haj Accidental Scheme


21.Auto Cash Teller Cheque

22.Transport Finance Scheme

23.Haryali Farm Transport Scheme

25.Muhafiz Rupee Traveler Cheque

26.HBL I card As Your Debit Card

27.HBL Fast Transfer

28.SWIFT

TERM DEPOSIT ACCOUNT

Term account is for meet your daily banking needs. Account Opening Amount: No charges Minimum Deposit: Rs.25,000 Maturity Rate: After 3months,6months,1year Interest Rate: 7%, 7.50%, 10.25% Features:• Free cheque books and ATM cards.• Free Account statements

CURRENT ACCOUNT This type of account is made for the business current

deposits to meet your daily banking needs. Account Opening Amount: Rs.1,000 Minimum Deposit: Rs.5,000 Maturity Rate: NIL Interest Rate: NIL Features:

• No profit and loss on this account

FOREIGN CURRENCY ACCOUNT

Offered in multiple currencies. Account Opening Amount:1,000$, 1,800 € Minimum Deposit: 1,000$ OR € Interest Rate: min 0.1 and max 0.90 Features:

• Loan up to 90%

SAVING ACCOUNT HBL’s saving account cater to individual saving habits.

After the Islamlization of banking system in the country it has given the name as PLS account.

Account Opening Amount: Rs.100 Minimum Deposit: Rs.20,000 Maturity Rate: NIL Interest Rate: 5.06% annually

HBL VALUE ACCOUNTNow don’t worry about sudden finances. Account Opening Amount: No charge Minimum Deposit: Rs.10,000 Maturity Rate: NIL Interest Rate: 8% annually Features:maddddoooooo Moooomooooo Shakoooorrrr Mustakeemmm Khubsurat Shakeeerrraaa Benazeerrrr

HBL Debit card and cheque books facilities. Secure investment. 2 withdrawals free every month.

HBL BUSINESS VALUE ACCOUNT

Now for businesspersons there are different transactions account.

Account Opening Amount: NIL Minimum Deposit: Rs.10,000 Maturity Rate: NIL Interest Rate: NIL Features: Free duplicate account statements

2.HBL ID HBL ID is to attract the age group of 18-24.to learn

them how to manage there finances, how to spend, how to save money etc so that the finally get there desire item.

FEATURES: Open an account with any amount and enjoy the

flexibility of no minimum balance . Saving buckets for 3 or 12 months. profit rate up to

9% Free cheque book teen age. Mobile Top-ups facility.

3.MONEY CLUB HBL offers money club younger saving account for age 6 to 7 years.

FEATURES: Open an account with any amount. Attractive profit rate. Free cheque book and debit card. Welcome pack and gifts. Savings rewards are given at monthly or annually

bases.

4.PERSONAL LOAN With HBL personal loan, gain the freedom to use hard

cash for all your needs.

FEATURES: Loan amount from Rs.25,000 to Rs.2,000,000. Choice of 12,24,36,48,60 months for pay back. Lowest mark-up. Quick processing. Mobile Top-ups facility.

5.HBL CREDIT CARDWith HBL credit card, get more from life FEATURES Online shopping facilities Special discounts on using HBL credit

card in various stores Installment plans for generators,

appliances, mobile handsets and more

Cash advances, balance transfer an

6.HBL DEBIT CARDWith HBL Debit Card, enjoy 24/7 access to your HBL

account where ever you are

FEATURES No need to carry cash Maximum limit of transaction from ATM Card is

Rs.25,000 Access to over 30 millions outlets and 1.4 million

ATMs worldwide No liability of lost/stolen card once HBL is notified Statement generation via HBL ATMs, internet banking

and branches

7.HBL CAR TO CARWith HBL car to car, upgrade your car frequently at half

the monthly installmentFEATURES Installment 0% to 0% less than conventional financing Free upgrade to a new car every 2years Security via insurance and tracking system Buy back guarantee

8.PHONE BANKING Call 111-111-425 for: Banker’s cheque request. Purchase mobile prepaid vouchers. Balance enquiry. Account information. HBL debit card activation & de-

activation. HBL credit card activation & de-

activation. Stop cheque payment request.Babojeeee

9.MOBILE BANKING With HBL mobile banking you can access your

account through your GPRS enabled mobile phone and perform important actions.

FEATURES: Utility bill payment. Mobile postpaid bill payment and top-up facility

only for Ufone and Warid customers. Purchase mobile prepaid vouchers. HBL credit card bill payment. Maintain account settings. Ufone customer’s can acess:mini statement,

ufone postpaid bill payment, prepaid Uload etc

10.PRESTIGE BANKING Prestige banking is for old employees and customers

having account in HBL.

FEATURES: Personalized services. Free cheque book. Free debit card with exceed limit. Black color cheque book and ATM card. Facilities in airport lounge.

11.HOUSING FINANCEFinancing available for:• Purchase of house.• Home improvement and renovation.• Self construction.

FEATURES: Lowest mark-up, monthly installments. 5 years fixed rates. Lowest processing charges. Finance range is from 3-20 years. Financing limit up-to RS.7.5million. RS 30million for home improvement. Quick processing.

PRESENTED BY

1.USMAN2.AYESHA

3.IZZA minari ims

Abdus Salam 27