Presentation on:

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

AWARDS2008

•Best Bank in Pakistan•Most Innovative Market Award

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

AWARDS

• HBL wins Emerging Market Bank Award in Pakistan

2010

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 Business Value Account

•Current Account

•Basic Banking Account

•HBL Value Account

•PLS-Saving Account

•Daily Munafa Account

DEPOSIT ACCOUNTS

Term Accounts: Foreign Currency:

•HBL Advantage Account

•Investment Plus Deposit

•Foreign Currency Saving Account

•High Yield Foreign Currency Fixed Deposit

SERVICES

Services

• ATM

• Internet Banking

• Mobile Banking

• Phone Banking

• Debit Card

• Credit Cards

ATM

•Cash withdrawal•Account Balance Enquiry•Mini Statement•Funds Transfer•Utility Bill Payment

Internet Banking

•Funds Transfer•HBL Credit Card bill payment •Cheque book Request•Utility Bills payment

Mobile Banking

•Funds Transfer•Utility Bills payment•Account / Credit Card balances•Account / Credit card statements

Phone Banking

•Balance inquiry•Account information•Stop cheque payment request•Credit Card activation & de-activation

Debit Card

• All services offered through ATM can be availed using HBL Debit card

• Upto 15% on leading restaurants

Credit CardsGold Card Green Card

Credit LimitsMinimum

150000

Maximum500000

Minimum20000

Maximum149000

HBL ADVANCES

Car LoanHBL 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.

HBL HomeLoan offers financing options to purchase a new house or renovate an existing house.

Home Loan

Outright PurchaseThe 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

BancassuranceHBL and New Jubilee Life Insurance Company Limited (NJLI)  introduce

Amaan: Retirement Plan Tabeer: Education & Marriage Plan

Amaan is a pension plan that provides an opportunity for growth through investment in a balanced portfolio with post-retirement income benefits.

Tabeer is a plan that provides parents with a means to accumulate a fund over a period of time which can then be used to pay for a child’s 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 investor’s 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 TRENDSA 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 ENVIRONMENTA 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 over staffing 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 of two reasons

•Salaries have not been revised from last 10 years

•Experienced Habibians are neither satisfied by the privatization of bank nor they were taken into confidence at that times

Recomendations

Employees training programs must be  introduce on continuous basis so  that  employees  have  understanding  with  the  latest  developments specially with the customers.

Bank  should  introduced  incentives  plans  for  employees  on  regular basis so that if employees may work whole heartedly for the welfare of their  organization.  While  giving  incentive  qualification,  work, experience, hard work and such other factors much be considered.

Mismanagement of resources must be avoided as much as possible as a decrease profit but discourage hard workers and honest employees.

Recomendations

Habib Bank is going towards mobile banking but the problem is that a common client has no  idea of  its usage due to  lack of marketing.  I think  that  a  proper marketing  program must  be  launched  for  client awareness.

Banks different scheme must be convey to the targeted customers so that to have a reasonable share in market.

Bank should help the society by providing interest free loans to the talented students.

Fresh graduates must be recruited, as the combination of experience and fresh can produce better result and it will improve the efficiency of management. 

Conclusion

HBL is clearly the first choice of everyone who believes in qualitative approach of banking  an  environment  of  highly responsible  people.  Bank  is  enjoying  a  healthy market  share  and taste  of good status in terms of its operative features support. HBL is clearly the best bank operating in Pakistan. Corporate and commercial functions are distinguished features of HBL experiencing 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 other banks, if they given proper attention to every customer then in few years it will be the leading bank of the country

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