HBL-Final

Hailey College of Banking & Finance

REPORT

On

HABIB BANK LIMITED

Presented to: Prof.

Presented by: AQEEL ANWAR

Roll No: E07MBA073 Section: A

UNIVERSITY OF THE PUNJAB

LAHORE

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HISTORY

Habib Bank Limited started its commercial operation from Bombay on August

25, 1941 with a Fixed capital of 25,000 rupees. The four Brothers formed Habib

Bank namely Ahmed Habib, Dawood Habib, Muhammad Ali Habib and Ghulam Ali

Habib. The Bank had only Rs 1.03 crore by way of advances and invested Rs. 12

lakhs in government securities.

After the creation of Pakistan, Quaid-e-Azam, Muhammed Ali Jinnah,

impressed by its initial performance asked the Bank to move its operations to

Karachi. Quaid-e-Azam on December 29, 1945 opened a current account with HBL.

He also opened an account with Habib Bank Limited in the name of Muslim League

Bihar relief fund.

Habib bank survived its most crucial stage from 1941 to 1947 and has

overcome numerous challenges. After independence and the shifting of Headquarter

from Bombay to Karachi it faced much opposition and new responsibilities which

were handled superbly by the bank. Efforts were made to increase the standards of

service to the people, increasing banking hours and improving the physical

appearances of the branches making it popular amongst the people. Habib Bank

was the first to recruit and train Muslims in the banking profession. The first banking

Training scheme was started by the bank in 1946. In 1948 there were only 23

branches of Pakistani Banks in the country. For this purpose HBL pioneered its first

training programme in 1946 and many other programs since then onwards.

It was Habib Bank which took the credit for the transfer of hundreds of crores

of rupees from India to Pakistan. The Habib were the first to start the facilities like

Gift Cheques Rupee, Travelers Cheques, Students Saving Schemes, Workers

Saving Scheme, Drive in Banking, Mobile Banking, Credit Card System, Executors

and Trustee Service, Short Term, and Long Term Loan Schemes for small

businessmen. This was followed by mechanization and modernization of branches.

Habib Bank celebrated its silver jubilee in 1966. the foundation stone of Habib Bank

Plaza, the head office building of the bank, the tallest building in Pakistan at that

time, was also laid by the then President of Pakistan, Field Marshal Muhammad

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Ayub Khan. The government of Pakistan issued special commemorative postage

stamps to appreciate Habib Bank's efforts for the stable economy of the country. It

came out with the new image of "Best example of better service" (Behter Khidmat Ki

Behtareen Misal) in 1966.

Major expansion in the branch network was done in 1973 when a policy was

adopted according to which there should be one branch for a population of 5000

people. On 1st January 1974 Habib Bank entered a new phase with the

nationalization of Pakistani banks. All Pakistani commercial banks were nationalized

and merged into five major banks i.e. Habib Bank, National Bank, United Bank,

Allied Bank and Muslim Commercial Bank. Foreign Banks were excluded from the

law of nationalization. The whole concept of commercial banking in Pakistan

changed focusing to help Small industries, traders and farmers.

HBL was lauded by the International Banking community and bestowed the

American Gold Coin Award. Habib Bank has had the honor of having won this award

of excellence for its Prize Savings Account Scheme in 1975.

In 1982, the Gold Mercury award was conferred on the bank for its pioneer

role and outstanding service in the community.

Then in 1984 Habib Bank was awarded Chamber of Commerce Istanbul ‘Gold

Medal’ and a certificate in reorganization of its valuable contribution towards the

economic development of Turkey.

Habib Bank launched the first Habib Bank Modaraba in March 1991 to

transform the interest based finance system into Islamic concept of Riba - free

business and financial transactions. Since then Habib Bank plays an active role to

provide truly Islamic mode of Investment opportunities. HBL completed 50 years of

operations, its golden jubilee in August 1991. It is the first Pakistani bank to celebrate

its golden jubilee.

The bank is also a pioneer of computer services in banking. It was the first

bank to introduce computerized services in banking in 1967. Since then HBL has set

up different computer centers countrywide. While the ATM networks cover 45 cities

and provide the facility of 145 ATMs.

The privatization of the bank with management control being acquired by the

Agha Khan Fund for Economic Development (AKFED) the bank anticipates further

progress as AKFED brings considerable expertise in international finance and

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business and is familiar with conditions in Pakistan, where it already has extensive

operations in various fields.

Government of Pakistan has divested its 10% stake (34.50 million shares;

5.0% of total issued shares) of Habib Bank Limited (HBL) with a green shoe option of

5.0% (17.25 million shares; 2.5% of total issued shares) from its existing holding of

338.10 million shares, at an issue price of Rs 235.00 per share.

HBL VISION:

Enabling people to advance with confidence and success.

HBL MISSION:

To make our customers prosper, our staff excels and creates value for

shareholders.

HBL VALUES:

HBL is firmly grounded with a corporate philosophy that incorporates solid

values which each individual associated with the bank abides by:

Excellence

Integrity

Meritocracy

Customer Focus

Progressiveness

QUAID’S VIEW

Quaid-e-Azam, who impressed by its initial performance asked the bank to

move its operations to Karachi at 1943 and HBL became a symbol of pride and

progress for the people of Pakistan.

HEAD OFFICE

Head office of HBL is in Karachi for 35 years at “I.I Chundrigar Road”

BRANCH NETWORK

HBL plays a central role in Pakistan’s financial and economic development.

HBL have an extensive network of more than 1400 domestic branches, which are

largest in Pakistan. HBL have also 55 international branches, which provide

comprehensive services. That’s form the backbone of the bank’s operations. FIRST

Branch held in BOMBAY in 1941 and starts his services with a fixed capital of Rs.

25,000. Its International operations are strongly capitalized and are primarily funded

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by core retail deposits in each of the countries. HBL plays a central role in Pakistan’s

financial and Economic Development.

Domestic Branches

Kashmir Lahore Karachi

Azad Kashmir Punjab Sindh Balochistan NWFP

Retail branches 82 718 279 123 205

Corporate branches - 1 9 1 1

Foreign Branches No of Branches Year of establishment

Africa

Kenya 5 1956

Mauritius 4 1964

Seychelles 1 1976

Sudan 1 1982

Bangladesh 2 1976

Fiji Islands 1 1991

Maldives 1 1976

Singapore 1 1971

Srilanka 2 1951KEPZ

Bahrain 4 1969

Lebanon 1 1964

Oman 11 1972

UAE 8 1966

Belgium 1 1975

France 1 1980

Turkey 1 1983

Netherlands 1 1979

USA 1 1971

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CREDIT RATINGS OF HBL

HBL has strong credit rating & it is among the first 1000 banks of world (world

class bank)

Habib Bank Limited JCR-VIS A-1+, AA June 2007.

SOCIAL COMMITMENT

The Public Relation Division of HBL maintains effective rapport with the

general public by communicating the policies and schemes of the bank through

press and electronic media. Besides maintaining close relationship with journalists &

advertising agencies, the Division also receives the visiting dignitaries and

delegations from abroad.

HBL believes in serving the nation and building the country strong. We are

always at the forefront to support noble causes and promote the social & cultural

activities in the country. The Public Relation Division of HBL sponsors various social,

cultural and sports events to generate healthy activities in the society. It also

organizes religious programs to uphold the religious tradition of our people. The

Division represents the bank at important forums to exchange views on national &

International issues with various organizations to boost the intellectual activities.

MANAGEMENT COMMITTEE

DR. Zakir Mahmood

President and Chief Executive Officer

OTHER MEMBERS;

The other group members who are operating following Sectors;

Ayaz Ahmed

Group Chief Financial Officer

Jamil A. Khan

Group Executive

Global Operations

Jamil Iqbal

Group Executive MISYS

Business Process Re-engineering

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Mudassir H Khan

Group Chief Compliance Officer

Global Compliance

Salim Amlani

Group Executive

Audit, BRR & Investigation

Shahid M Loan

SEVP & Group Executive

Global Treasury

Sima Kamil


Corporate Banking

Zafar Aziz Osmani


HR & Organization Development

HBL MAIN FUNCTIONS

Besides social commitment and retail banking, HBL performs also other

functions:

Acceptance of Deposits

It is the main function of every bank. So, HBL accepts deposits for the

purpose of advancing. HBL accepts deposits in following terms:

Current Account

Saving Account

Fixed Deposit Accounts

Issuing Loans

After accepting deposits, HBL issues loans for the purpose of Agriculture,

Industrial, & Social activities. HBL advancing loans in the following terms:

Overdraft

Discounting Bills Of Exchange

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Loans

Cash Credit Limit

Collection of Dividends

HBL acts as an agent of its clients and collects Dividends & Interests on

stocks and shares, HBL charges nominal commission against the provision of such

services.

Collection of Cheques

HBL acts as an agent of its clients, while collecting and making payments of

bills and cheques.

Trustee

A client may direct HBL to act as Trustee, while dealing with other parties.

HBL charges a small fee for provision of such services.

Deposit Slip

HBL issues deposit slips to its Fixed depositors on depositing their amounts.

These slips act as a medium between HBL and its clients for their further dealings.

Voucher

It is related with cash, when some cash is deposit or drew, and then this

written evidence supports this dealing.

Debit Voucher

When an Account Holder draws some money from HBL then the bank issues

him a Debit Voucher, because his account has decreased and debited by HBL.

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Credit Voucher

When an Account Holder deposits some money into HBL then the bank

issues him a Credit Voucher, because his account has increased and credited by

HBL.

Debit Advice

The function of debit advice is the same as of debit voucher, because all

these transactions related to debiting its account holders.

Credit Advice

The function of credit advice is the same as of credit voucher, because all

these transactions related to its account holders.

Other Functions

The other functions, which HBL provides, are as follows:

Funds Transfers

Providing Trade Information

Under-Writing Services

Zakat Collection

Finances Foreign Trade

RETAIL BANKING

B RANCH O PERATIONS

DEPOSITS

Deposit represent saving of the people and organization, which are deposited with

the banks. Basic function of all commercial banks is mobilization of deposits. Deposit

used by banks for financing to different types of borrowers. These are the raw

material from which banks create their services for business and industry. Deposits

are liabilities of the banks owed to its depositors. Deposit of Habib bank can be kept

in the following accounts.

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CD Deposits

These are initial deposit for account opening. Current deposit is a deposit

payable on demand. No restriction on withdrawal, no Zakat Deduction.

Can be opened in the name of:

Individual

Firms

Trust

Private/ Public Limited Companies

Club

Societies

Institutions

PLS Deposits

This stand for profit and loss sharing accounts. PLS rates are declared by bank

half yearly. No profit would be paid if the profit is less than Rs 10 for the half year.

Zakat deduction is as per rules. Can be opened by:

Individuals

Charitable institutions

Zakat / Usher Committee

Local Bodies

Firms/ Companies

Eligibility

All Pakistani’s Resident/Non-Resident can open and operate the Account.

Any Foreign National having valid Resident Pakistan VISA can open and operate the

Account.

Requirements for Opening of Account:

Duly filled prescribed A/C opening FORM.

Photo Copy of National Identity Card (Resident Pakistani).

Two Passport size photographs for Shaky Signatures/Thumb Impression

(Resident Pakistani).

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Photo copy of Passport with Page bearing Resident Visa of the Country

where Pakistani Residing (Attestation by HBL Branch or Pakistan Embassy).

Two Passport size photographs and signatures on A/C Opening Form for

Non-Resident Pakistani with Shaky Signatures/Thumb Impression.

(Attestation by HBL Branch or Pakistan Embassy).

Photo Copy of Passport with Page bearing Resident Visa of Pakistan (Foreign

Nationals).

Features

Account can be opened with Minimum Balance Rs.1000/- with no maximum

limit.

Checking account

Profit is payable at yearly rate declared every half year.

Profit is calculated on monthly products i.e. on minimum balance of Rs. 5

000/- and above from 1st day to the last day of the month.

Service charges Rs.52.50 if average balance is less than Rs. 10,000/- during

the month.

Profit is Paid/Credited in Account on half yearly basis.

Statement of Account dispatched on half yearly basis after posting of profit.

There is no restriction for withdrawals of amount and numbers of cheques.

Conditions

Deduction of Zakat – With-holding Tax as per rules of the Government.

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PLS Special Saving Deposit Accounts

Deposit Slab & Profit

Indicative Rate 01.01.2008 to 30.06.2008

Eligibility

All Pakistani’s Resident/Non-Resident Individual/Company can open and

operate the Account.

Any Foreign National Individual/Company having valid Resident Pakistan

VISA/Work permit can open and operate the Account.

The depositors falling under any of the above category must maintain the

required average balance to earn profit.

Requirements for Opening of Account


In case of individuals, same terms as of PLS SB & in case of companies etc.

as following: -

Attested photocopy of N.I.C./Passport of Account Holder(s), Proprietor,

Partners, Directors and office Bearers as the case may be.

Certified true copy of the certificate of incorporation or registration (in case of

limited companies & registered bodies only).

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Certified true copy of the certificate of commencement of business (in case of

public limited companies only).

Certified true copy of the memorandum and articles of association (in case of

limited companies).

Certified true copy of rules and regulations or By-Laws (in case of association

etc.).

Certified true copy of the resolution of the Board of Directors/Managing

Committee/Governing Body regarding conduct of the account.

List containing names and signatures of the Directors/Office Bearers duly

certified by CLA/Registration Authority.

Letter of partnership or certified copy of partnership deed (in case of

partnership).

Features

Account can be OPENED with Minimum Balance Rs.1000/- with no maximum

limit.

Checking account

Profit is payable at indicatives rates for each half year.

Profit under this scheme is calculated and paid to the depositors on daily

products basis on the 1st working day of the following month according to

above slab.

In case the average balance during any calendar month changes (rises/falls)

from a slab, the profit for that month will be paid at the rate applicable to

relevant average balance slab. If during a calendar month a party maintains

average balance which does not come within the ambit of SSD scheme then

No Profit shall be paid.

SERVICE CHARGES Rs.180/- if average balance is less than Rs.5,000/-

during half year. Profit is paid in Cash or Credited in Account. Statement of

Account dispatched on monthly basis. There is no restriction for withdrawals

of amount and numbers of cheques.

Conditions

Deduction of Zakat – With-holding Tax as per rules of the Government.

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Munafa Plus Deposit Certificate

These are kind of Term Deposits/ Time Deposits. Its duration ranges from 3 to

6 months. And from 1 to 10 years, in multiple of years. Minimum deposit is of

100,000/ and any amount exceeding 100,000/- in multiple of thousands. Profit

payment is monthly, quarterly/ Half yearly/ Yearly and at maturity. Fixed Profit rates

are offered.

Insurance Scheme:

Insurance schemes are offered in two ways

On Natural Death

MPDC amount subject to a maximum of Rs 1.00 Million

Accidental Death

Two times of MPDC amount subject to a maximum of Rs Two million

No receipts would be issued. Customer must have CD/SB Account. Customer will

file an additional AOF and an authority to debit his or her account. No cheque will be

used for debiting an account in any case.

Special Notice Time Deposits

A PLS/ SNTD is a NIB Time deposit instrument, kept for an indefinite period

by depositor and withdrawable by giving an advance notice of an agreed period prior

to date of withdrawal. An SNTD falls due for repayment on the expiry of agreed

period. The profit is paid for actual period during which the deposit remains with

bank. SNTD are also issued by the bank on behalf of borrowers for building sinking

funds as required in the sanctioned advice of Documents Against acceptance LC/

Delivery of Documents.

Pls 7/30 Days Time Deposits

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Deposit Slab

Indicative Rate 01.01.2008 to 30.06.2008

Eligibility

All Pakistani’s Resident/Non-Resident Companies Firms, Govt. /Semi Govt.

Depts. Can purchase an SNTD.

Any Foreign National having valid Resident Pakistan VISA can purchase an

SNTD.

Requirements for Opening of Account;


Photo Copy of National Identity Card (Resident Pakistani).

Two Passport size photographs for Shaky Signatures/Thumb Impression

(Resident Pakistani).

Photo copy of Passport with Page bearing Resident Visa of the Country

where Pakistani Residing (Attestation by HBL Branch or Pakistan Embassy).

Two Passport size photographs and signatures on A/C Opening Form for

Non-Resident Pakistani with Shaky Signatures/Thumb Impression.

(Attestation by HBL Branch or Pakistan Embassy).

Photo Copy of Passport with Page bearing Resident Visa of Pakistan (Foreign

Nationals).

Features

SNTD can be purchased with Minimum Balance Rs.1000/- with no maximum

limit.

Profit is payable at yearly rate declared every half year and on date of

encashment.

Profit is calculated for the days deposit remained with Bank.

No profit/return is paid for premature encashment before 7 days or 30 days

(as the case may be) from date of issue.

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Similarly if notice given falls short of 7 or 30 days (as the case may be), no

profit shall be paid for the days short of required notice.

Profit is paid Cash or Credited in Account on encashment.

Conditions; Deduction of Zakat – With-holding Tax as per rules of the

Government.

Accounts

Following are the different types of accounts

Individual Accounts

Joint Account

Proprietary Firm

Partnership Firm

Private/ Public Ltd Co’s Accounts

Association/ Club Accounts

Societies/Union Accounts

Account of Executors

Trust Accounts

Minor Accounts

Value Accounts

Super Value Accounts

C OLLECTION

Generally four types of cheques and other instruments & other instruments

are paid /collected.

Cash payment

Cash transfer

Clearing/transfer delivery/local collection

Collection of inland/foreign bills

C LEARING

The process for settlement of banker’s mutual accounts, for the claims arising

on account of various instruments, drawn on/by member/sub members of the

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clearinghouse. The system is controlled/managed by State Bank of Pakistan or

National bank of Pakistan (where SBP has no office) Clearing house is a meeting

point of representative of the member banks. where instruments are changed for

settlement.

Transfer Delivery

It is the service of transfer deposit within the branch free of charges.

Local Collection

This facility is provided within the city for transfer of deposit without charges

Foreign Bills

Bills which are presented from/to foreign banks for clearance.

In-Land Bills

Clean Bills

Bills, which are without any assisting documents of title to goods (i.e

R/R, T/R, B/L, AWB)

Documentary Bills

The bills where the documents of title to goods are attached with the

bill of exchange.

There are two main categories of bills: Demand bills & Usance Bills

R EMITTANCES

Bank remittances are cheap as compare to other modes of remittances

available to the public i.e. money order. Normally amount can be remitted through

banks. Important source of earning i.e. commission, service charges and float

income.The risk involved in physical transportation of money is eliminated. Demand

draft are used for settlement of debts without handling actual cash.in HBL there is a

prescribed form for remittance in which we provide beneficiary detail such as name,

address, NIC or passport #, bank/branch name, account. And also Applicant details

i.e. name, address, NIC #, charge a/c #.

In-Land Remittances

Demand Draft

It is a written order, drawn by one office of a bank upon another office of the

same bank, to pay a certain sum of money to or to the order of a specified person.

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Demand draft is in order form, it is not bearer & a negotiable instrument, not issued

to minor or insane person & also not to a person who is unable to sign, not having

account, may be advised to apply through literate person signing on his behalf. It can

be issued to a firm, company or local authority on their written request signed by

authorized person.

Foreign Remittance

Foreign Demand Draft

It is just like a local demand draft but it is made/requested in foreign banks &

paid here locally in PAK Rupee.

Home Mail Transfer

Foreign Traveler Cheques

CONSUMER BANKING

HBL A UTO F INANCE Habib Bank Auto Finance, offers the customer, an expedient and economical

way of fulfilling his requirement of owning the car of his choice on his terms. This

lease product has been designed to provide the consumer flexibility in terms of

choice of car and tenure. Options of affordable down payments, convenient

repayment arrangements in the form of monthly rental payments, which are tailored

to the expected cash flows of the customer are some of the host of value added

features, this product offers its customers.

Salient Features of HBL Auto Finance

Low Mark-ups leading to affordable monthly rentals

Available throughout Pakistan

Tenures ranging from 36 to 60 months

Low Processing Charges

Deferred Payment Option

Financing of amounts up to Rs. 1.5 million

Insurance premium rates as low as 3%

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Worldwide personal accidental insurance coverage for the entire family of the

lessee of up to Rs. 200,000/-

Car choices of up to 1600 cc (New cars only)

Who Can Apply??

Work experience), Self Employed Individuals (minimum three years in

business) and Professionals (minimum one year in business)

Age Consideration

Age between 25 – 60 (60 at maturity of loan)

Minimum Documentation Required

Completed Application Form

Personal:

Attested copy of NIC

Two recent Passport size Photographs

Copy of latest paid residential utility bill (not Mobile Phone Bill)

NTN Certificate (wherever applicable)

Income Related:

Latest salary Certificate (Salaried Individuals)

Bank Statement 6 Months (Salaried), 12 Months(Self Employed &

Professionals)

Occupational:

Employment Letter

Proprietorship Certificate / Partnership Deed (Self Employed or Professionals)

Certified latest Form A and Form 29 along with Articles and Memorandum of

Association (Self

Employed or Professionals)

Certificate of Incorporation (Self Employed or Professionals)

Professional Body Registration copy (if applicable)

How to Apply??

Visit your nearest HBL designated branch

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Submit filled application along with documentation required

The branch will inform you if your application has been approved

HBL H OUSE F INANCE

Habib Bank brings to you the most affordable and convenient scheme to

finance your own house. Habib Bank – House Finance, a demand / running finance

facility to assist you in turning your vision into a reality. With adaptable options,

varying amounts and flexible tenures you can start shifting to, building or renovating

your own house in a matter of weeks!

The Habib Bank – House Finance Scheme is an installment loan facility,

secured by properties in residential areas. The scheme gives multiple options in the

types of related financing one can avail. Through this product one can purchase

one’s own house these are loans for the purchase of residential property for the

purpose of self-occupation by the borrower in approved and developed areas.

Renovate one’s own House – These loans are against owner occupied residential

property for home improvement and renovation.

Self construct one’s own House – Financing for the construction of residential

property within approved cities/areas, in approved and developed schemes – on

already owned residential plots.

This scheme also offers a running finance facility, secured by an owned

house in a residential area for: House Re-Finance – This is a multi-purpose facility

that can be availed by you as running finance to invest in your business or for

personal purposes.

Salient Features of HBL House Finance

The loan can be paid back in financing tenures ranging from 3 to 20 years.

The repayment of the loan is in equal monthly installments and is through

direct debit authority or post-dated cheques.

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Per party limit for all options, other than Home Improvement are at a

maximum of Rs.7.5 million.

Home Improvement limits range from Rs. 5 lacs to Rs.3 million

Minimal Processing Charges

Who Can Apply??

Pakistani residents

Salaried / Self Employed Individuals and Professionals

Age Consideration

Age between 22 – 65 (60 for Salaried Individuals)


Personal:

Copy of NIC (attested)

Copy of latest paid residential utility bill(not Mobile Phone Bill)

Two passport size photographs

Copy of NTN Card/Certificate OR Copy of latest Income Tax Assessment

Order

Income Related:

For Demand Finance Facility

Salaried:

Two latest Salary Slips and latest 6 months personal Bank Account Statement

Self Employed Professionals and Businessman:

Latest one year personal Bank Account Statement.

Company Bank Statement in case of Proprietorship can be accepted and/or

Income Tax

Assessment Order

Occupational:

Salaried Individuals:

Letter from Employer mentioning the date of joining, current job status and

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gross emoluments, deductions and net take-home.

Self Employed Professionals and Businessmen:

Proprietor:

Bank Certificate mentioning date of Account opening, name of business and

name of customer or Tax Returns

Partner:

Bank Certificate mentioning date of Account opening, name of business and

name of the

partners

Attested copy of the Partnership Deed or Tax Returns

Director:

Memorandum and Article of Association and attested copy of Registered

Form 29/A

How to Apply??

For your convenience, Habib Bank has designated specific branches in your city to

provide you with this facility.

All you would have to do is visit one of these branches, get an Application Form and

submit the completed Application Form along with the requested documentation to

apply.

Once your application has been accepted you will be called in to complete the

remaining formalities to finalize the procedure.

HBL FLEXI LOANS

Habib Bank Flexi Loans is a personal loan product, which is available for salaried

individuals for a variety of reasons. Whether it is for a child’s education, a much

needed vacation, a daughter’s wedding or even just a shopping spree, HBL Flexi

Loans is a flexible financing scheme which can actually provide the much needed

cash to fulfill all such requirements.

Salient Features of HBL Flexi Loans

Low Mark-ups leading to affordable monthly installments.

Mark-up slabs vary for various categories of salaried individuals

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Financing from Rs. 10,000 to Rs. 500,000/-

Available throughout Pakistan from over 400 designated

Habib Bank branches

Tenures ranging from 12 to 60 months


Full Credit Life Insurance

Who Can Apply??

Pakistani residents:

Salaried individuals (With a minimum of one year’s work experience)

Age Consideration:


Minimum Documentation Required:

Completed Application Form

Personal:


Company Identification Card (with photograph)


Income Related:

Three Months Salary Certificate (including latest)

Occupational:

Employment Letter

How to Apply??




The amount will be credited to your account

HBL LIFE STYLES

Habib Bank’s Lifestyles Financing Scheme provides financing for household

appliances and consumer electronics on easy terms and flexible tenures. The

product aims to bring comfort into each domestic unit by providing financing for

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essential domestic items, the purchase of which may be postponed by households

due to paucity of funds. The bank aims to provide speedy financing so that families

do not defer purchase of such essentials, and all such items are effortlessly

accessible as and when required.

Salient Features of HBL Lifestyles

Loans for salaried / self employed individuals or professionals

Low mark-ups leading to affordable monthly installments.

Financing from Rs. 10,000 to Rs. 500,000/-

Available throughout Pakistan from over 330 designated

Habib Bank branches

Fixed tenures of 12, 18, 24 and 36 months


Full Credit Life Insurance

Free Doorstep Delivery of Items

Who Can Apply??

Pakistani residents

Salaried (minimum one year work experience), Self Employed Individuals (minimum

three years in business) and Professionals (minimum one year in business)

Age Consideration



Completed Application Form:

Personal:


Two recent Passport size Photographs


NTN Certificate (wherever applicable)

Income Related:

Latest Salary Certificate (Salaried Individuals)

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Bank Statement 6 Months (Salaried); 12 Months (Self-Employed or

Professionals)

Occupational:

Employment Letter

Proprietorship Certificate / Partnership Deed (Self Employed or Professionals)

How to Apply??

Visit a Display Outlet of any business partner and decide on item(s) and models to

purchase under scheme




The item(s) will be delivered free of cost at your doorstep

Current Business Partners

Samsung Audio Visuals

Samsung Home Appliances

Dawlance

LG

Philips

Singer

A GRICULTURE F INANCE

Agriculture sector is the backbone of our economy because almost 70% of

industrial raw material comes from agriculture sector. Agriculture sector contributes

25% of our GDP. Agriculture credit is the form of capital and one of the four factors

of production.

Farm Credit

It includes seeds, fertilizers, pesticides etc. loan for tractors, tubewells,

machinery comes under the heading of farm credit.

Non-Farm Credit

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It includes Poultry, Fisheries, Livestock and dairy farming.

Season Wise Financing

Rabi Financing

HBL allow financing for Rabi Crops from 1st Sep to 31 January of next years.

Kharif Financing

HBL allow financing for Rabi Crops from 1st February to 31st August.

Haryali Finance Scheme

It is 3 years revolving finance scheme for agri-production purpose. It is

running finance limit, which is sanctioned for three years. The amount of limit is

determined on the basis one year credit requirements for purchase of inputs for crop

grown on the land cultivated by the borrower. Usually total input requirements of all

crops grown during the year are calculated in consultation with the farmer. The

documentation is done once in three years for the total period of finance.

Eligibility Criteria:

This scheme is applicable throughout Pakistan.

The applicant must be a land owner, cultivator

The applicant must be an account holder of the branch

Land offered as security as shown in agri-pass book must not encumbered

The land of the borrower should be located in an area which could be

supervised by the lending branch

Farm Transport Loan

It is for small and big pickups for a period of three – five years repayable in

easy monthly installments. Debt equity ratio is 90:10. Agri-land, Rural/ Urban

property, saving certificates and bank deposits can be offered as security. Transport

is supposed to be fully insured.

LiveStock and Fish Farming

It meets our requirements for dairy products, meat, eggs etc. It also helps in

fertilizing land. It is for cattle/ goat raising.

Loan for Farm Water management

As we know that agriculture cannot flourish without water. Lot of water is

wasted without irrigating land in our country. And the problem of water logging and

salinity is there. So the loan for three to five years’ tenure is given for purchase of

26

tubewells/ turbines to ensure proper irrigation of cultivated land. Debt Equity Ratio is

80:20. Security is agri-land, Urban or rural property/ saving certificates/ Deposit.

Tractor Lease Finance

It is against security of land/ property/ saving certificates or two personal

guarantees acceptable to the bank. Debt Equity ratio is 80:20. The loan is for three

to five years repayable in two half yearly installments. Quotation from the authorized

tractor dealer is required. If security is bank deposit then no need for equity deposit.

The tractor is to be comprehensively insured.

Loan for Tobacco growers

A maximum finance of 100,000/- per grower can be provided as per

recommendations of PTC/ LTC against two sureties acceptable to the bank for

actual input requirements as demand finance for one tobacco season. Verification of

Halka Patwari or any other revenue official not required.

Finance to be repaid from sale proceeds of tobacco crops.

NIB (NON- INTEREST BASED ) MODES OF FINANCING

It is to get rid of interest/ usuary/ Riba from our economy and banking system. It is to

transform our banking system strictly in line with the teachings of Islam.To achieve

these objectives there must occur a basic change in the relationship of banker and

customer. Under NIB financing bank is no more a lender of money rather it should

become a partner of the business.

Three broad categories of NIB financing are as under

Financing by lending

Lending with service charges (Ju’ala)

Lending with out service charges (Qarze Hasana)

Trade related Modes of Financing:

M ARK - UP (B AI -M UAJJAL )

27

Financing Institutions shall buy an item at the request of the customer. The seller

should deliver the goods to the buyer while the buyer agrees to pay the price at a

later stage. Repayment can be lump sump or in installment at marked up price.

M ARK D OWN

This mode of finance is used for discounting/ purchase of bill of exchange and/ or

documents. The profit is secured from the difference in the face value and the

marked down price of the bill.

L EASING

Two types of leasing

Operating Lease

Financial Lease

There are two parties in lease financing Lessor (The bank) and Lessee (the

customer). Lessor should purchase the fixed asset (Plant and machinery) and shall

retain its ownership. The lessor should give possession of the asset to the lessee for

use. The lessee pays a rent of the asset for a specified period. The leasing banks

are generally less concerned about financial account of the lessee.

H IRE P URCHASE (B AI -S ALAM )

Under this finance banks cater to the fixed investment needs of various sectors. The

assets are purchased on joint ownership basis. Repayment includes a part of the

principal and a share of profit earned from the assets. It is so adjusted that at the end

of the agreement the amount of finance and share of profit is fully amortized. Mode

of repayment is monthly installment. In case of default banks can take possession of

the asset.

E-BANKING

HBL E-bank is your bank at your fingertips

HBL E-bank is complete…

All your banking needs are covered in a single user interface.

28

HBL E-bank is convenient….

Access your accounts from your desktop any time any where across the globe

and avoid the hassles of branch banking.

HBL E-bank is economical…

All it takes is a Dial up to the Bank or access HBL E-bank site. No extra

charges, no new hardware software and no more frequent visits to the Bank and the

time wasted in arranging appointments, raveling, parking and queuing at the Bank

for ordinary money management requirements.

HBL E-bank Improves Fund Management

Latest information of your company / personal account(s) both in Rupees and

other currencies on your desktop computer provides a great facility to manage your

funds flow in a more efficient manner. You can check whether you have sufficient

funds in your account for the present day’s needs or you have to arrange funds from

other account(s) resources to meet your needs.

HBL E-bank improves working

Effective management of excess cash float, accelerated accounts

management, immediate reconciliation and electronic filing saves time, space and

allows easy retrieval thus improving working quality and control.

HBL E-bank is secure…

Uncompromised security features supported by carefully controlled set of

private passwords only permits authorized persons to access HBL E-bank from

office / home. The HBL E-bank customers also have the option to decide the access

rights of their users to access / manage their E-banking activities by using their

private passwords.

HBL E-bank is user friendly…

It is designed with you in mind. Simple step-by-step processes show you how

to use it. An extensive on-screen help is also available in the system besides the

formal documentary guidance and assistance/training provided by the Bank to the

HBL E-bank users.

HBL E-bank ensures confidentiality…

The inherent high degree of data encryption and authentication features in the

system ensures absolute data integrity of all value transactions / information routed

to or received from the Bank, giving the user complete peace of mind.

29

E-BANK SERVICES

The customer needs are changing rapidly and they are demanding

sophisticated, swift, secure and low cost services to meet their banking

requirements. In line with Habib Bank Limited’s (HBL’s) tradition for leadership,

state-of-the-art technology is being employed to provide a complete e-banking

package to our wide-range of customers all over the globe.

HBL is offering value added, swift, efficient, hassle free, cost effective and

secure e-banking services to its customers across the globe which allows them to

manage the funds flow in their accounts with us in a more efficient manner from their

desktop any time any where with just a few clicks of the mouse, what we call your

bank at your fingertips. The HBL E-bank facilities are available in all our Branches

withinPakistan.

HBL is currently offering windows-based two electronic banking products to its

customers, which give access to information on their accounts and the ability to act

on the latest information received. The powerful and highly secure HBL network

enables our clients to download the latest information of their accounts on their PCs.

PC Banking

Internet Banking

The features of our both products are the same. The only difference is the mode of

communication. In Internet Banking you use Internet to get connected to HBL E-bank

Data Server while with PC Banking, you use a dial-up connection.

E-BANK APPLICATIONS

If you would like to apply for PC or Internet Banking Services of HBL, please follow

the under mentioned steps:

You must be a customer of HBL and have account(s) in any of our Branches

within Pakistan.

30

Obtain PC / Internet Services Application Form from any of our Branches

within Pakistan that is nearest to you.

Fill out the Application Form and note to complete all columns.

The Applicant’s Title of Account in the Bank’s records must be the same as

mentioned on the HBL E-bank Application Form where applications are

received for Accounts of Companies / Firms the individual accounts of their

executives cannot be incorporated in the Company’s Site and require

separate Application Form to be completed.

Submit the completed PC / Internet Banking Services Application Form to

your branch for necessary verification of Title of Account/s, Account

Number/s, and Authorized Signature/s for the account(s) mentioned in

the form. In case of more than one account maintained in our various On-line

Branches, all such accounts also require necessary verification of Title of

Account, Account Number and Authorized Signature from the respective

branches.

E-BANK HELP DESK

The HBL E-bank package includes comprehensive User Manuals for PC & Internet

Banking Modules and on-screen helps instructions for each function. Should you

have any questions regarding connection, starting the system or the day-to-day

running of the system, the Bank’s Help Desk is there to assist you.

We are committed to fast response and our Help Desk is available from 09:00 A.M.

to 08:00 P.M. on Mondays to Fridays and from 09:00 A.M. to 02:00 P.M. on

Saturdays to assist, provide guidance and to solve any problems.

Our appreciation is best expressed by our being of service to you.

E-BANK SECURITY FEATURES

HBL realizes the importance of exercising ‘Security’ over the data that is transmitted

both for itself and our customers and that is why we are using the latest available

security features at all levels which will give confidence to our customers while using

our e-banking services.

31

Secure Log-In

To log-in you need to enter your Site ID (provided by the Bank) and a private

password of your own choice. When you log-in, the Site ID and Password is

automatically encrypted so that no-one can read it.

Password Controls

You can change/create the password of your own choice any time at your

convenience. The following are the parameters that must be observed while

making/changing of password:

Password must be of 8 characters – alphanumeric.

Alphanumeric cannot be in sequence/series e.g. 23, 78, 12, ab, ef, ijk etc.

Password cannot contain duplicate characters.

Last 6 Previously used Passwords cannot be repeated.

The expiry period of passwords is 30 days in P.C. Banking & 90 days in

Internet Banking Services.

Encryption Technology

HBL E-bank is hosted on a secure server that uses the latest encryption

technology at all levels i.e. from Log-in process to transmission of any Information

from client’s end to HBL E-bank Server or vice versa. The encryption is on all data

generated at both ends manually and automatically through the system security

protocol. The data / information that fail to pass this integrity checking procedure are

not accepted on the HBL E-bank Server.

SSL Technology

For managing your encrypted communication session we use Secure Sockets

Layer (SSL) Protocol – 128 bit encryption.

Firewall

In addition to using encryption tools, a Firewall is also used to protect network

and provide safeguard for your account(s) information held on HBL E-bank Server.

This barrier provides high quality of screening that only allows authorized access to

HBL E-bank server.

Digital Certification

HBL E-banking uses online certification issued by a reputed third party. A

padlock symbol displayed at the right side of the bottom of the browser screen

shows the internet users that the website is secure and genuine.

32

Corporate Controls

Password controls for Super User and Sub Users

Different Access Rights for Super User and Sub Users

Single / Dual Password Authorization for all transfer instructions

Pre-defined Beneficiaries Option Audit Trail

PC BANKING

PC Banking is one of the E-banking services being offered by the Bank. This

allows two-way communication between the Bank and its Corporate, Retail and

Commercial Customers and gives the client access to download the information of

their account(s) both in Pak Rupees & Foreign Currency to their desktop PC through

a dial-up connection.

With PC Banking our customers enjoy the following secured facilities:

Statement of Account(s)

Single Account Balances

Group Accounts Balances

Account to Account Transfers (Only available within our On-line Branches)

Payment to Third Party by requesting the following:

Issuance of Draft

Issuance of Pay Order

Issuance of Telegraphic Transfer

Issuance of Mail Transfer

Payments can also be made in Foreign Currencies (if permitted under Foreign

Exchange Regulations). All authorized payment instructions received on any

working day by HBL Embank before 1:30 P.M. (Monday to Thursday) and

12:30 Noon (Friday & Saturday) will be acted upon the same day. Payment

instruction(s) received after these timings will be entertained on next working

day.

Services to be offered in future

Utility Bills Payment

Cheque Book Requests

Exchange Rates

33

Market Commentary

Product Information

Secure E-mail.

Equipment Requirement

The minimum equipment required for PC Banking product of HBL E-bank is

as follows:

IBM Compatible PC

P3 Processor + 64MB Ram (Minimum)

Windows 95 / 98 / NT / 2000 / XP

56K Modem (AT HAYES compatible) 3 Com / US Robotics (Preferred)

DUN-Dial up Networking (Windows)

Hard Disk – Free space: at least 250 MB (for HBL E-bank application)

Telephone Line – that can use a modem i.e. Analogue.

INTERNET BANKING

Internet Banking is another medium of our E-banking services, which allows

our Retail, Commercial and Individual Customers to access the information of their

account(s) both in Pak Rupees & Foreign Currency by connecting to HBL E-bank

site from their desktop through Internet.

Internet Banking Services provide the following secured facilities to our

clients: -

Statement of Account(s)

Single Account Balances

Group Accounts Balances

Account to Account Transfers (Only available within our On-line Branches)

Payment to Third Party by requesting the following:

Issuance of Draft

Issuance of Pay Order

Issuance of Telegraphic Transfer

Issuance of Mail Transfer

34

Payments can also be made in Foreign Currencies (if permitted under Foreign

Exchange Regulations). All authorized payment instructions received on any working

day by HBL E-bank before 1:30 P.M. (Monday to Thursday) and 12:30 Noon (Friday

& Saturday) will be acted upon the same day. Payment instruction(s) received after

these timings will be entertained in next working day.

Services to be offered in future

Utility Bills Payment

Cheque Book Requests

System Requirement

Internet Explorer version 5.5 preferable.

Java Virtual Machine (JVM) should be available on the PC.

OTHER SERVICES

HBL MASTER CARD

Habib Bank MasterCard opens a world of convenience for you. Be it shopping

or traveling or medical expense, HBL MasterCard sets you free from the hassles of

carrying cash, wherever you are. You have the option to choose from our Domestic

or International card depending on your requirements.

Facilities:

Worldwide acceptability

Up to 30% of your spending limit as cash advance

Travel accident insurance coverage worth Rs. 2.5 million

Photo feature to help avoid misuse

HBL LOCKERS:

HBL also provides huge facilities of lockers to their A/C Holders with some

charges. some of functions related to the lockers are given below:

Main Branch of Locker:

35

The main branch of Locker and this branch have also a huge locker to

providing the such needs for their A/C Holders. This branch in Karachi where as the

main head quarter also in Karachi which provides huge services to their customers

and employees.

Some Things Which Considered Safe:

Like; Jewelry, House documents, Important bills, Use full things which considered to

exposed to theft, also admitted in branches of HBL for safety and sound ness. Bank

is reliable of your things.

HBL HAJJ/UMRA SERVICES:

HBL also introduced the new policies for the sake of its Good Will and to grow

good reputation in the society. So HBL introduced Hajj/Umbra packages for his

customers. So, besides showing his reputation in the financial and economic sectors,

it’s also provides packages for his employees, and A/c Holders, and customers for

performing their Hajj or Umbra. So, HBL also create Religious sector in his sectors.

VALUE VISA DEBIT CARD:

Introduction:

Step into a world of ease and convenience and welcome a new and

innovative way of making purchases! We bring to you Habib Bank Value Debit Card

the truly secure and convenient payment solution backed by the international

acceptance and recognition of Visa International. Simply use your Value Card at

outlets for payment of daily purchases and experience the ultimate ease and

convenience. Pursue your heart’s desire, travel, shop, entertain, refuel yourself and

your car because you’ve just added Value to your life.

Habib Bank Value Debit Card:

Habib Bank Value Debit Card is a secure and convenient payment tool. It is

linked to the personal Habib Bank account of the customer. When the customer uses

Value Card at outlets for payment of daily purchases, the exact purchase amount is

deducted from their personal Habib Bank account.

Benefits of Value Card:

Your Money, Your Control –

36

Value Card is the ideal way of paying for your shopping and purchases as it

gives you access to the exact amount of money you need from your account, when

you need it. Also, no interest or credit is involved on payment with Habib Bank Value

Card because you spend from the money available in your personal Habib Bank

account.

Ease & Security

Value Card is the quick, easy and convenient way of making payments for

purchases as you don’t have to visit ATMs to withdraw cash or count notes for

making payments. Also, paying with Value Card is safer than carrying large amounts

of cash because with a single swipe the exact purchase amount is automatically

deducted from your personal Habib Bank account.

No Liability on a Lost / Stolen Card –

In case of card loss or theft, you are protected against fraudulent debit card

transactions made on your card after it is reported lost / stolen. Therefore, card loss

or theft should be immediately reported to HBL 24 hour Customer Service Unit at

0800- 11224-toll free number or Visa Global Customer Assistance Service helpline

for the relevant country if you are traveling abroad.

International Recognition & Acceptability –

Your Value Card is backed by Visa International making it acceptable at over

20 million Visa merchants worldwide including 10,000 merchants in Pakistan. As an

ATM card it is accepted at over 700 1-Link and M Net ATMs in Pakistan and over

864,000 Visa ATMs worldwide.

Free Account Statement –

Value cardholders will receive a free of charge monthly account statement of

all debit card and ATM transactions to help them keep track of their spending.

Features of Value Visa Debit Card; Classic Gold Daily Spending limits – Point of

Sale (Debit Card) Rs. 50,000 Rs. 100,000 Daily ATM Cash withdrawal Rs. 20,000

Rs. 25,000

Exclusive Discounts & Deals-

Habib Bank brings “Value Debit Deals” for all its Value Debit Cardholders.

With Habib Bank Value Card you can avail magnificent discounts and deals at your

favorite outlets.

Insurance Cover –

37

On spending up to Rs. 5000 (single transaction or collective purchases) on

Value Gold Card in one month, you are entitled for Life Insurance (accidental Death)

of Rest. 100,000 for the next 30 days. (Persons above 65 years of age are not

eligible for this insurance cover).

Funds Transfer Facility –

Funds transfer facility through HBL ATMs provide Habib Bank Value

cardholders the facility of transferring funds between linked accounts (from own

account to own account, from own account to third party account) maintained with

online branches of HBL. The daily funds transfer limit on Value Classic Card is Rs.

25,000 and on Value Gold Card is Rest. 50,000. If you want to avail the Funds

Transfer facility, please fill “Account Link Form”. Supplementary Debit Card - Now

your family too can enjoy the convenience and benefits of Habib

Bank Value Card!

Habib Bank Value Supplementary card has been specially designed keeping in

mind the daily purchase requirements of you and your family. You can get

supplementary cards for your immediate family i.e.:

Parents Husband /

Wife

Brother /

Sister

Son /

Daughter

Facilities:

Habib Bank Value Supplementary card offers all Habib Bank Value Debit

Card facilities as well as Cash Withdrawal and PIN Change options on ATMs.

Supplementary cards have the same ATM Cash Withdrawal limit as the Basic Card.

However, on Basic cardholder’s request, these ATM facilities can be blocked so that

the Supplementary Card may be used for debit card transactions only. Choose the

desired spending limit (Rs.) for each supplementary card from the following options:

· 5,000 10,000

38

· 20,000 50,000

· 100,000 (for Gold cardholders only)

Monthly Card Statement

All supplementary card/s transaction details will be included in the Basic card

statement.

Apply for Supplementary Cards

You can apply for up to 2 supplementary cards if you are a Value Classic

cardholder and up to 4 supplementary cards if you are a Value Gold cardholder.

VALUE VISA DEBIT DEALS

Value Debit Card exclusive discounts & deals at your favorite outlets!

Habib Bank brings “Value Debit Deals” for all its Value Debit cardholders. Your Card

entitles you to discounts and savings on your purchases at your favorite outlets.

Thus, not only do you enjoy convenience, safety and international acceptability on

your Card, but also you can save on your daily purchases. So, make each shopping

spree exciting by availing Value offers at our partner shops and outlets.

HBL PAYMENTS OF UTILITY BILLS

In some branches of HBL provides to the people to paid their dues or bills

related to their use ness in their daily life routine. All such bills like Electric Bills,

Water Bills, Sui Gas Bills, are must be paid in HBL branches during their working

hours. The bills must be accepted in its branches with the amount charged which is

written in bills.

VALUE VISA DEBIT CARD CHARGES

CARD CHARGES

Annual Fee – Basic Classic Card Rs. 350

Annual Fee – Basic Gold Card Rs. 1000

Annual Fee – Supplementary Classic Card Rs. 100

Annual Fee – Supplementary Gold Card Rs. 250

Card Replacement Fee Rs. 100

POS Transaction Fee (Local) –

Nil

POS Transaction Fee (International) –

39

2% of transaction amount (Minimum US$5 Maximum US$20)

ATM CHARGES:

Cash Withdrawal

HBL ATMs Nil

1 Link ATMs Rs. 20 per withdrawal

Mnet ATMs Rs. 20 per withdrawal

Visa ATMs (International) 3% of transaction amount or US$5, whichever is

higher (per withdrawal)

Balance Inquiry

HBL ATMs Nil

1 Link ATMs Nil

MNet ATMs Rs. 5 (per inquiry)

Visa ATMs (International) US$ 5 (per inquiry)

Mini Statement - HBL ATMs Rs. 5 (per statement)

Funds Transfer (HBL ATMs) Rs. 50 (per transfer)

HBL ATM’S

ATM’S is the abbreviation of Automated Teller Machines As concern with his

name we find that this machine belongs to cash transactions. Which deals with cash

transfer or drew out from this machine where this facility is available. In Pakistan the

ATM’S machines are 114 whereas Lahore have 26 branches and its networks in 37

cities. The main branches of ATM’S in Lahore are Cantonment branch, Davis road

branch, and Shah Alam market branch.

ANNEXURE

ANNEXURE 1:

Details of Branch Network

Online Branches

40

Abbottabad 1

Attock 2

Bahawalpur 4

Bannu 1

Chitral 1

D.G.Khan 1

D.I.Khan 1

Faisalabad 10

Gujranwala 5

Gujar Khan 1

Gujrat 3

Haripur 1

Hyderabad 4

Islamabad 17

Jamshoro 1

Jhang 1

Jhelum 3

Karachi 56

Kohat 1

Kharian 2

Kasur 1

Khanewal 1

Lahore 37

Lala Moosa 1

Larkana 1

Mirpurkhas 1

Muzaffarabad (AK) 2

Multan 7

Mardan 1

Mingora 1

Mirpur (AK) 2

Murree 1

Nawabshah 1

41

Noshera 1

Okara 1

Peshawar 9

Quetta 6

Rawalpindi 16

Rahimyar Khan 2

Sahiwal 2

Sargodha 3

Sialkot 7

Sukkur 2

Sheikhupura 1

Wah Cantt 1

Wazirabad 1

Total Branches 225

ANNEXURE 2

HBL Branches of ATM’s

The branches of ATM’S in Pakistan as follows;

HABIB BANK LTD. ATMS

KARACHI

1 Zamzama Boulevard Branch

2 Nursery Branch

3 PAF Shahrah-e- Faisal

4 Elphinstone Street Branch

5 P.I.A. Airport Corporate Sub Centre

6 Clifton Branch

7 Jinnah Terminal Branch

8 Sir Syed Road Branch

9 Barkat-e-Hyderi Branch

10 Defense Housing Society

42

11 Karsaz Branch

12 Rizvia Society Branch

13 Mercantile Branch

14 Mercantile Branch Karachi

15 Shahrah-e- Pakistan

16 Badar Comm.Area, 26 Street, D.H.A

17 Hassan Square Branch

18 FTC Branch

19 KMC Branch

20 Saddar Sub Centre

21 Shaheen (Mauripur Road) Branch

22 Korangi Road Phase-2 (DHA)

23 Tibet Centre

24 JPMC Branch

25 Gulistan-e-Jauhar Branch

26 Muslim Town Branch

LAHORE

1 Cantonment Branch

2 Circular Road Branch

3 Shah Alam Market Branch

4 Shahrah-e- Quaid-e-Azam (The Mall)

5 Davis Road Branch

6 Gulberg Main Market Branch

7 Model Town Branch

8 Chowk Hall Mcleod Road Branch

9 Gulberg-III Super Market

10 New Muslim Town Branch

11 Fortress Stadium Branch

12 Shadman Colony Branch

13 Corporate Centre

14 Allama Iqbal Town Branch

15 Panorama Centre Branch

43

16 Allama Iqbal International Airport Branch

17 Nisbet Road Branch, Lahore

18 Shad Bagh Branch

19 Samanabad Branch

20 Ferozepur Road Branch (Ichhra)

21 Engineering University Branch

22 Baghbanpura Branch

23 Lake Road Branch

24 Jail Road Branch

25 PAF Sarfaraz Rafiqui Road Branch

26 Mughalpura Branch

ISLAMABAD

1 Aabpara Market Branch

2 Foreign Affairs Building

3 CDA Civic Centre Branch

4 Corporate Centre

5 F-7 Commercial Area Branch

6 F-6 Super Market Branch

7 PTV Head Quarters

8 G-9/4 Industrial / Trading Centre

RAWALPINDI

1 Lalkurti Branch

2 S.D.V. Branch

3 Rehmanabad Branch

4 PAF Chaklala Base Branch

5 Satellite Town Branch

6 Main Airport Road Branch

7 Kashmir Road Branch

8 City Branch

PESHAWAR

1 Bank Square Branch

2 Hayatabad Branch

44

3 Arbab Road Branch

4 PAF Cavagnary Road Branch

FAISALABAD

1 Circular Road Centre

2 Punjab Medical College

3 Madina Town Branch

4 D. Ground Sub Centre

SIALKOT

1 Paris Road Centre

2 Cantonment Branch

3 Small Industries Estate Sub Centre

GUJRANWALA



3 G.T. Road Branch

MULTAN

1 Cantonment Branch

2 Gulgasht Colony Branch

3 Hussain Agahi Branch

4 Mumtazabad Branch

QUETTA

1 High Court Branch

2 Jinnah Road Branch

3 Balochistan University Branch

HYDERABAD

1 District Council Branch

2 Station Road Branch

3 Latifabad Unit No.7 Branch

SUKKUR

1 Military Road Branch

45

MIRPUR AZAD KASHMIR

Bank Square Nangi Branch

BHAWALPUR

Chowk Fowara Branch

ABBOTTABAD

Jinnah Road Branch

SAHIWAL

High Street Jinnah Road Branch

WAH CANTT

Wah Cantt-P.O.F

SARGODHA

1 Kutchery Bazar Branch


3 PAF Shaheen Branch

JHELUM

Chowk Shandar Branch

HARI PUR

Haripur Main Bazar Branch

SHEIKHUPURA

Railway Road Branch

MURREE

Jinnah Road Branch

MARDAN

Bank Road Branch

ATTOCK

City Branch

DG KHAN

Main Bazar Branch

46

MUZAFARABAD

Chattar Domel Branch

GUJRAT

Gharibpura Branch

RAHIMYARKHAN

Shahi Road Branch

KOHAT

Hungo Road Branch

NOWSHERA

Cantt District Nowshera Branch

KASUR

Railway Road Branch

MINGORA

Bank Square Branch

KHARIAN

Cantt Branch

WAZIRABAD

Kutchery Chowk Branch

KHANEWAL

Main Branch

KAMRA

Pakistan Aeronautical Complex KAMRA

LARKANA

Bunder Road Branch

NAWABSHAH

Masjid Road Banch

OKARA

Mandi Road Branch

47

HAFIZABAD

Grain Market Branch

MIRPURKHAS

Jinnah Road Branch

ANNEXURE 4

Total ATM’S branches

And its network covers;

Total ATMs 114

ATM Network Covers 37 Cities

HBL ISSUING BRANCHES OF VALUE VISA DEBITCARD;

HABIB BANK LTD. VALUE DEBIT CARD

ISSUING BRANCHES

KARACHI

1 Zamzama Boulevard Branch

2 Nursery Branch

3 PAF Shahrah-e- Faisal

4 Elphinstone Street Branch

5 P.I.A. Airport Corporate Sub Centre

6 Clifton Branch

7 Jinnah Terminal Branch

8 Sir Syed Road Branch

9 Barkat-e-Hyderi Branch

10 Defense Housing Society

11 Karsaz Branch

12 Rizvia Society Branch

13 Mercantile Branch

14 Mercantile Branch Karachi

15 Shahrah-e- Pakistan

16 Badar Comm.Area, 26 Street, D.H.A

48

17 Hassan Square Branch

18 FTC Branch

19 KMC Branch

20 Saddar Sub Centre

21 Shaheen (Mauripur Road) Branch

22 Korangi Road Phase-2 (DHA)

23 Tibet Centre

24 JPMC Branch

25 Gulistan-e-Jauhar Branch

26 Muslim Town Branch

27 Foreign Exchange Centre

28 Iddgah Branch

29 SITE Branch

30 Central Corporate Centre

31 Habib Bank Annexe Branch

32 Napier Road Sub Centre

33 State Life Corporate Centre

34 Club Road Branch

35 Cloth Market Branch

36 SDV Branch

37 Tariq Road Centre

38 Industrial Estate, Site Centre

39 Jodia Bazar Sub Centre

40 Korangi Industrial Area Centre

41 Shahrah-e-Jahangir Branch

42 Pakistan Steel Mill Corporate Sub Centre

43 Bahadurabad Branch

44 West Wharf Branch

45 Ram Bharti Street Sub Centre

46 Stock Exchange Branch

47 KPT Branch

48 Shaheed-e-Millat Road

49 PNSC Branch

49

50 PECHS Commercial Area Branch

51 Ibrahim Hyderi Goth

52 Landhi Industrial Area Branch

53 Timber Market Branch

54 Korangi No.5 Branch

55 Modern Housing Society Branch

56 KDA Civic Centre Branch

57 Sindhi Muslim Housing Socirty Branch

58 New Challi Branch

59 Alnoor Society Branch

60 Yousuf Plaza Branch

61 Port Qasim Branch

62 Malir Cantt Branch

LAHORE

63 Cantonment Branch


65 Shah Alam Market Branch

66 Shahrah-e- Quaid-e-Azam (The Mall)

67 Davis Road Branch

68 Gulberg Main Market Branch

69 Model Town Branch

70 Chowk Hall Mcleod Road Branch

71 Gulberg-III Super Market

72 New Muslim Town Branch

73 Fortress Stadium Branch

74 Shadman Colony Branch

75 Corporate Centre

76 Allama Iqbal Town Branch

77 Panorama Centre Branch

78 Allama Iqbal International Airport Branch

79 Nisbet Road Branch, Lahore

80 Shad Bagh Branch

50

81 Samanabad Branch

82 Ferozepur Road Branch (Ichhra)

83 Engineering University Branch

84 Baghbanpura Branch

85 Lake Road Branch

86 Jail Road Branch

87 PAF Sarfaraz Rafiqui Road Branch

88 Mughalpura Branch

89 Cavalry Ground Branch

90 Badami Bagh Sub Centre

91 Lahore Development Authority Branch

92 Brandreth Road Branch

93 Opposite High Court Branch

94 Stock Exchange Branch

95 Bilal Park Branch

96 DHA Branch

97 PECO Road Centre

98 Punjab University New Campus Branch

99 Punjab University Old Campus Branch

100 Wapda House Branch

101 Empress Road Branch

102 Gardee Square Branch

ISLAMABAD

103 Aabpara Market Branch

104 Foreign Affairs Building

105 CDA Civic Centre Branch

106 Corporate Centre

107 F-7 Commercial Area Branch

108 F-6 Super Market Branch

109 PTV Head Quarters

110 G-9/4 Industrial / Trading Centre

111 Secretariate ''A'' Block Branch

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112 Secretariate ''Q'' Block Branch

113 H9-Shalimar Recording Branch

114 Quaid-e-Azam University Branch

115 Supreme Court Building

116 I-9 Industrial Area

117 Islamic University Branch

118 Federal BISE Branch

119 Jinnah Avenue Branch

RAWALPINDI

120 Lalkurti Branch

121 S.D.V. Branch

122 Rehmanabad Branch

123 PAF Chaklala Base Branch


125 Main Airport Road Branch

126 Kashmir Road Branch

127 City Branch


129 Massy Gate Branch

130 Narankari Bazar Branch

131 Liaquat Road Branch

132 Asghar Mall Branch

133 Services Branch

134 GHQ Branch

MORGAH (District Rawalpindi)

135 Morgah Corporate Sub Centre

PESHAWAR


137 Hayatabad Branch

52

138 Arbab Road Branch

139 PAF Cavagnary Road Branch

140 Super Market Cantt Plaza Sadder Branch

141 City Branch

142 Cantt Branch

143 Tehkal Bala Branch

144 Jamrood Road Branch

FAISALABAD

145 Circular Road Centre

146 Punjab Medical College

147 Madina Town Branch

148 D. Ground Sub Centre


150 Municipal Complex Branch


152 State Life Building Branch

153 Satyana Road Branch

154 Yarn Market Branch

SIALKOT

155 Paris Road Centre


157 Small Industries Estate Sub Centre

158 City Branch

159 M.F. Elahi Building Sub Centre

160 Neika Pura Branch

Adda (District Sialkot)

161 Adda Branch

GUJRANWALA


53


164 G.T. Road Branch

165 Gulabpura Cantt

166 Trust Plaza, Sub Centre

MULTAN


168 Gulgasht Colony Branch

169 Hussain Agahi Branch

170 Mumtazabad Branch

171 BISE Branch


173 Samijabad Branch

174 Bahauddin Zakaria University

QUETTA

175 High Court Branch


177 Balochistan University Branch

178 Complex Branch


180 Cantt Branch

HYDERABAD


182 Station Road Branch

183 Latifabad Unit No.7 Branch

184 Jamshoro Sind University, New Campus

185 Main Bazar Saddar Branch

SUKKUR

186 Military Road Branch

54

187 Frere Road Branch

MIRPUR AZAD KASHMIR

188 Bank Square Nangi Branch

189 Main Bazar Branch

BHAWALPUR

190 Chowk Fowara Branch

191 Farid Gate Branch

192 Model Town 'A'

193 Ghalla Mandi

ABBOTTABAD


SAHIWAL

195 High Street Jinnah Road Branch

196 Jinnah Chowk Branch

WAH CANTT

197 Wah Cantt-P.O.F

SARGODHA

198 Kutchery Bazar Branch


200 PAF Shaheen Branch

JHELUM

201 Chowk Shandar Branch

202 Fauji Textile Mills Branch

203 Ram Din Bazar Branch

HARI PUR

204 Haripur Main Bazar Branch

55

SHEIKHUPURA

205 Railway Road Branch

MURREE


MARDAN

207 Bank Road Branch

ATTOCK

208 City Branch

DG KHAN

209 Main Bazar Branch

MUZAFARABAD

210 Chattar Domel Branch

211 Main Branch

GUJRAT

212 Gharibpura Branch

213 Pakistan Chowk Branch


RAHIMYARKHAN

215 Shahi Road Branch

SADIQABAD

216 Machi Goth Branch

56

JHANG

217 Shaheed Road Branch

KOHAT

218 Hungo Road Branch

NOWSHERA

219 Cantt District Nowshera Branch

KASUR

220 Railway Road Branch

MINGORA


KHARIAN

222 Cantt Branch

223 City Branch

D.I.KHAN


LALAMUSA


GUJAR KHAN


WAZIRABAD

227 Kutchery Chowk Branch

57

KHANEWAL

228 Main Branch

KAMRA

229 Pakistan Aeronautical Complex KAMRA

LARKANA

230 Bunder Road Branch

NAWABSHAH

231 Masjid Road Banch

OKARA

232 Mandi Road Branch

HAFIZABAD

233 Grain Market Branch

MIRPURKHAS


CHAKWAL

235 Bhaun Chowk Branch

BUNNU

236 Preedy Gate Branch

MURIDKE

237 Muridke Branch

HBL OVERSEAS BRANCHES

58

Overseas branches of HBL also helping in the Presidents relief fund some of

branches discussed below,

Branch Name

Habib Bank Limited Colombo

Habib Bank Limited Dhaka

Habib Bank Limited Chittagong

Habib Bank Limited Fiji

Habib Bank Limited Maldives

Habib Bank Limited Brussels

Habib Bank Limited Rotterdam

Habib Bank Limited Kenya (Kenyatta Ave)

Habib Bank Limited Kabul

Habib Bank Limited Dubai

Habib Bank Limited Bahrain

Habib Bank Limited Bahrain (OBU)

Habib Bank Limited Oman

Habib Bank Limited New York

Habib Bank Limited Singapore

Habib-UK PLC

Habib Bank Limited Mauritious

Habib Finance Australia Ltd. Sydney

Habib Bank Limited Beirut

Habib Bank Limited Turkey

Habib Bank Limited Paris

Habib Bank Limited Hong Kong

P OINTS OF SOCIAL COMMITMENT

The important points of social commitment as follows:

SPORTS

HEALTH

EDUCATION

CULTURE

PROMOTIONAL SUPPORT

59

OTHER CONTRIBUTIONS

Sports

1. Cricket

2. Hockey

3. Football

4. Table Tennis

5. Basket Ball

Cricket

HBL has a history of providing great cricketers to Pakistan Cricket. Our cricket

players have brought laurels to our bank as well as to the country. Players like Javed

Miandad, Mohsin Khan, Abdul Qadir, Salim Malik and Ijaz Ahmed joined Habib Bank

at very early stage of their career. The exposure given by the bank helped them

polish their skills to become renowned cricketers of the world. These days players

like Shahid Khan Afridi, Younus Khan, Saleem Elahi, Danish Kaneria, Hasan Raza,

Kabir Khan, Atiq-uz-Zaman and Imran Farhat are representing HBL.

Some notable achievements of our cricket team:

WILLS Cup One Day Trophy;

Winner: 1984, 1986, 1989, 1990, 1991&1993

Runners Up: 1983, 1992

Patrons Trophy Grade-I;

Winner: 1976-77, 1977-78, 1987-88, 1991-92, 1992-93, 1997-98, 1998-99

Runners Up: 1990-91, 1996-97

Quaid-e-Azam Trophy;

Winner: 1977-78

Runners Up: 1978-79, 1988-89 & 1999-2000

Hockey

Habib bank has produced a number of Olympians and International Hockey

players like late Munawar-uz-Zaman, Hanif Khan, Waseem Feroze, Safdar Abbas,

and Iftikhar Syed who represented Pakistan in early Seventy’s and Eighty’s.

Presently players like Sohail Abbas, Waseem Ahmad, Kashif Jawwad, and Sameer

Hussain represented Pakistan in the Sydney Olympic 2000.

60

Besides these, other players like Haider Hussain, Naveed Iqbal, Mohammad

Khalid, Mubasshir ukhtar, Ajaz Khokhar and Asad Qureshi have also represented

Pakistan in various International Tournaments.

Major achievements of our Hockey Team are:

Winner: All Pakistan Gold Cup Tournament at Lahore in 1989

Winner: All Pakistan President Gold Cup at Peshawar in 1991

Winner: All Pakistan Environmental Tournament at Peshawar in 1995

Winner: All Pakistan Col: Sher Khan Shaheed Tournament at Rawalpindi in 1999

Runner Up: 48th Habib Bank National Championship 2000-2001

Patrons Trophy Grade-I;

Winner: 1976-77, 1977-78, 1987-88, 1991-92, 1992-93, 1997-98, 1998-99

Runners Up: 1990-91, 1996-97

Quaid-e-Azam Trophy;

Winner: 1977-78

Runners Up: 1978-79, 1988-89 & 1999-2000

Football

In Football, players like Mohammad Tariq, Late Mohammad Shafi, Moosa

Ghazi not only played for the country but also led the country on different occasions.

Major contributions of our Football Team are:

National Championship;

Winner: 1981, 1985

Runners Up: 1982, 2000

3rd Position: 1980-91, 1992,1996

Besides above, during the period between 1975-1996;

Winner in various All Pakistan Football Tournaments (20)

Runner up in various All Pakistan Tournaments (15)

Table tennis;

Our women’s Table Tennis team has a record of winning the National

Championship of team events for consecutive 13 years (from 1978 – 1990). Nazo

Tahir, Robina Arif, Seema Kaleem and Shabnam Bilal won the individual ladies

National Championship twelve times among themselves.

61

Nazo Tahir won the Gold Medal in the 4th SAF Games. On account of her

excellent performance, the President of Pakistan awarded her Pride of Performance.

In men’s events, Arif Nakhuda, Sohail Hayat and Javed Ghaffar won six individual

National Championship. Our Table Tennis team also won men’s team events in 1990

and 1996.

Basket ball;

Our Basketball team has also been actively participating in the national

events. S.M. Tanveer, Majid Mohammad, Mohammad Azam, Abdul Rahim are some

of our players who have led the National team on different occasion at the

International level. The major contributions of the team include:

National Championship;

Winner: 1982, 1983 & 1984

Runners up: 1980, 1981, 1992 and 1993

3rd Position: 1985, 1987, 1988, 1990, 1991, 1994 & 1995

Winner: Sindh Olympics (SAO) basketball championship.

Winner: All Pakistan Tournament from 1978 to 1996 (thirty one times)

Runners Up: All Pakistan Tournaments from 1978 to 1996 (fourteen times)

3rd Position: 23rd National Games at Peshawar in 1990.

International and good will tours;

Cricket

Visited: U.A.E., Kuwait & Oman on Good Will tours.

Runner up: Super Wills Cup, held in India.

Hockey

Winner: Quaid-e-Azam International Cup, held in Colombo, Srilanka.

Football

3rd Position: “Asian Club Championship”, Colombo, Srilanka.

Table Tennis

Winner: All Dubai Table Tennis Championship

Health

62

Annual fund raising campaign of December 2000 of

Marie Adelaide Leprosy center.

Fund Raising Campaign of Shoukat Khanum Memorial Hospital.

Zakat Raising Campaign for JPMC, Cardiovascular, patient’s welfare.

Pakistan Medical Association Conference.

Promotion of Kidney Centre Karachi.

Marie Adelaide Leprosy Center.

Shoukat Khanum Cancer Hospital, Lahore.

JPMC, Cardiovascular.

Pakistan Medical Association.

Kidney Center, Karachi. 13th International Psychiatric conference held in

Karachi.

EDUCATION

University of Karachi.

Sindh IT Board.

Providing Science Equipment / Home Economics Material for Government

Girls High

School, Sinjoro, Distt. Sanghar, Sindh.

The Indus Entrepreneur TIE.

Sindh Madressa-tul Islam, Karachi. Professional institutions i.e. I.B.P. /

I.B.A. /I.B.M.

Institute of Chartered Accountant.

CULTURE

Calligraphy promotion of Pakistan Navy at Maritime Museum.

Promotion of Fine Arts to Mr. S.L. Hussain.

Hyderabad Bankers Club.

Promotion of culture by Art Council of Pakistan, Karachi.

Promotion of activities at press club & press associations.

Promotion of Ramazan Festival with Karachi Sheraton.

PROMOTIONAL SUPPORT

63

Calligraphy exhibitions.

Art Council of Pakistan, Karachi.

Press Club.

Horticulture Foundation of Pakistan.

Silk Route festival-Gilgit 2000.

Marketing Association of Pakistan.

Export Exhibition.

Chamber of Commerce & Industry.

Federation of Pakistan Chamber of Commerce & Industry.

All Pakistan Newspapers Society.

Council of Newspapers Editors.

Korangi Association of Trade & Industry.

OTHER CONTRIBUTIONS

100th anniversary of Quaid-e-Azam’s Sindh Madressa-tul Islam.

Promotion of Horticulture Foundation of Pakistan.

Various seminars at professional institutions like I.B.P., I.B.A.

Chamber of Commerce & Industry Hyderabad.

Promotion of Pak China relationship and tourism through Silk Route festival –

Gilgit 2000.

EARTH-QUAKE & HBL

PRESIDENT'S RELIEF FUND EARTHQUAKE VICTIMS-2005

All Habib Bank Branches operating in Pakistan & Abroad and all its

subsidiaries including Habib Finance International Ltd.-Hong Kong / Habib Finance

(Australia) Ltd.-Sydney and Habib Allied International Bank PLC-UK have been

authorized to accept Donation from its customers as well as non-customers by Cash

64

or Cheque ete. for the relief of earthquake victims-2005 in the account specially

opened for providing relief to the earthquake victims titled:

SWOT ANALYSIS

SWOT is the abbreviation of four words these are S stands for strength W

stand for weaknesses O stands for opportunities and T stand for threats. Strength

and weaknesses are the internal factors of the organization and it also known as the

micro factors but the opportunities and threats are the external factors and these are

known as the macro factors micro factors are controllable factors but the macro

factors are not controllable.

This is the theory that when ever the organization form then they have to

come to know about their strength the they come to know about their weaknesses

then the have to find out their opportunities and then they come to know about their

threats but according to the latest theory the word SWOT is know as WOTS

according to them they said that a new organization never come to know about their

strengths first always they come to know about their weaknesses first then they

come to know that what opportunities they have in the particular sector and then they

have come to know about their competitors and at the last they come to know about

their strengths. So the easiest way to know about any organization is the SWOT

analysis.

S TRENGTHS

Strong brand recognition

Strong brand recognition in the domestic market and niche foreign markets.

Strong distribution capability

Strong distribution capability through the largest domestic and overseas

network amongst all commercial banks in Pakistan.

65

Market presence

Established market presence – 20% market share.

Large Domestic Deposit

Large (over 5 million accounts) and loyal domestic deposit base with low cost

deposits.

International Operations

Most international operations are funded by stable and core retail deposits

Different Products

HBL has many products for it all type of customers. So it depends on

customer that what product he like means that in which type the customer wants to

invest in the HBL. But it’s the facility form the HBL that they provide a maximum

number of products actually the HBL targeting all type of customers they have not

only a one target market the target every on whether a person is the salaried person

or business man they gave the facility to certain organization that they open their

employee’s salary account with HBL. HBL provides a complete range of banking

products and services including retail banking, corporate banking, trade finance,

consumer finance, credit cards and lease finance. Such a wide product portfolio,

along with increasing greater hedging of business risks also significantly increases

cross selling opportunities.

Credit rating

Strong credit rating & it is among the first 1000 banks of world (world class

bank)

Focused business strategy

Focused business strategy supported by appropriate organization structure,

operating procedures, and human resource and information technology initiatives.

Corporate Market

Large single party exposure limit and relationship with large groups has made

the bank a major player in the corporate market.

Largest Treasury function

Largest Treasury function amongst all commercial banks in Pakistan enables

ability to achieve attractive rates in the interbank market

Maximum number of branches

66

HBL has maximum number of branches in all over Pakistan. HBL plays a

central role in Pakistan’s financial and economic development. HBL have an

extensive network of 1425 domestic branches which are largest in Pakistan. HBL

have also 55 international branches which provide comprehensive services. That’s

form the backbone of the bank’s operations.

Better Service

HBL has the good service department they providing their customers a

complete satisfaction according to their requirement. The reason that they are

providing the best services to their customers is that they want to remain in good

terms with customers at all levels.

Online Facility / Phone Banking

The customer needs are changing rapidly and they are demanding

sophisticated, swift, secure and low cost services to meet their banking

requirements. In line with Habib Bank (HBL) tradition for leadership, state-of-the-art

technology is being employed to provide a complete e-banking package

to our wide-range of customers all over the globe.

HBL is offering value added, swift, efficient, hassle free, and secure e-banking

services to its customers across the globe which allows them to manage the funds

flow in their accounts with us in a more efficient manner from their desktop any time

any where with just a few clicks of the mouse, what we call your bank at your

fingertips. The HBL E-bank facilities are available in all our Branches within Pakistan.

& bank is just away on a phone call.

Less Chance of Fraud

Because of online banking HBL have lees chances of fraud. Because

whenever some transactions have done this is at the time and at the spot enter in

the system that is directly connected the main server at Karachi. So the employees

have top balance their journal daily because other wise they have get memo form

the organization and this make their value down in the organization.

Lockers Facility

Many banks provide the facility of lockers but not in their 80% branches but

HBL is the only bank, which provides the lockers facility to their customers at their all

branches.

Well decorated and designed branches

67

All branches of HBL is well designed and decorated all branches are designed by the

architects and designed by the interior designers.

Monthly Branch Meetings

Monthly branch meetings are held with in the branch to solve the problem or

how to bring new accounts who achieve his or her target and who have to achieve

how much more means to say that they have all things in the meeting which make

them best in their zone.

Seminars

HBL always conduct the seminars on certain topics as for service quality or

some other like that and the concerning person or every branch of the city have to

attend that seminar for the improvement and the knowledge about tat what their

bank improve for them and for the customers regarding to their department.

Award and appreciation of employees

HBL always appreciated its best employees who work hard for their

organization. The employees who bring the big account before their targets or the

amount above their target that employees are appreciated by awards in form of

cash, souvenir and certificate and these awards are present at the seminar at the

front of all branches employees.

Foreign Exchange Facility

Bank provide the facility of foreign exchange facility if any customer has the

foreign exchange account at Bank and after withdrawal of the amount from the bank

and he want to exchange his money in the local currency or some other currency

then the Bank employees or branch employees have good contact and account of

foreign exchange changer at their bank to them they call and ask them for the rate

and if the customer satisfied to the rate then they said them that for the certain

amount change the following currency they have the account their in the branch so

they gave the local currency at the bank and take the foreign currency with them on

their own responsibility. This will increase the business of the bank also.

Linked Account Facility

At HBL the customers who have more than one account they have the facility

that for different accounts thy have the same account number only the suffix is

changed so this is the facility for the customer that he can remember his account

easily.

68

Relaxation for employees

For employees the relaxation is that the employees get the medical leaves

and 1 month vacations in one year with their pay and in case of some emergency the

employees have allow to leave, this is direct dealing of employees with their branch

manager.

Very easy to open accounts

At HBL it’s very easy to open an account no need of any reference you just

come instep and open your account in the particular suffix you want to. So this is the

strength if the HBL that the get more customers.

Employee back up is provided

In every branch of HBL the back up of every employee is there in case of

emergency is some officer not came at the bank so the other back up is there who

knows about al that things or even at the time of vacations they have the back up

who make his or her work for these days.

Utility bills collection

Collection of utility bills there at HBL. This is positive point of the Bank they

have the facility of the collection of utility bills for customer, this facility will make their

reputation more strong and this makes a plus point of their bank.

W EAKNESSES

Technology not up to date

Up gradation of technology in all branches not yet complete A number of

branches still have to be refurbished / upgraded, or automated, as these are not up

to the standard.

Government Interventions

Undue government intervention in shaping the administrative policies of the

bank due to being a public sector entity.

High Ratio of non-performing loans

69

Historically high ratio of non-performing loans. This ratio has been managed

down due to balance sheet growth. In addition, these loans have now been

adequately provided.

Low rate of interests

HBL Bank has low rate of interests on Pls as compare to the other banks but

they have some good rate of interest in their products like value a/c but its rates are

also not too good as compare to the other banks.

Charges of cheque book

The other reason that many times there is conflict of the Bank customers have

those they why they have to pay to the bank. Customers are on right because many

of the banks are not charging for cheque book.

Transaction charges

The other weakness of the HBL Bank that they have charging the transaction

charges at first the State Bank have start but after a few months State Bank stop that

but HBL Bank still have that in their profit and loss account that they charge

transaction charges.

Increment in employee’s salaries

The other main weakness of the Bank is that they are not increment their

employee’s salary according to the world labor organization that is 10 % every year

but in Bank such thing is not happens according to that rule.

Late Promotions

The other thing that for the employee’s point of view the weakness is the Bank

is that they are to promote their employees even they have a time of promotion but

they are not promoted that is also not fair with the employees.

Un-balances appreciation

No balance appreciation are there at HBL for every employees the officers

who are below grade are not awarded as compare to the higher grade officers like

cashiers, operators etc.

70

O PPORTUNITIES

Huge untapped market potential in consumer banking.

Opportunity for developing value added services combined with corporate

banking relationships, cash management services to large and medium sized

corporate clients.

Large international network which principally focuses on trade finance with

Pakistan can be utilized to tap trade activities in other markets. In addition,

services such as cross border / offshore financing for corporate customers

can be enhanced.

Benefits of recent expenditure on technology and branch upgrades soon to

start flowing.

Increasing regulatory support for universal banking activities. Stability in

Afghanistan leading to increased banking opportunities in Pakistan,

Afghanistan and in Central Asia.

Further reduction in intermediation costs possible, with improving technology.

Possibility of transferring non performing assets

THREATS

Following are the threats faced by the HBL these are almost the same threat,

which is faced by the other bank also because the threat is the micro factor, and it is

not in the hands of the organization it’s the environmental factor.

Competitors

HBL have the threat from their competitors in their main competitors are

Standard chartered, ABN Amro, Muslim Commercial Bank etc. because to compete

each other they have to launch the different products and different things to attract

their customers.

Government policies

The main thing that is the threat for the HBL is that is the government policies

that in the political situation like our country no one does not know that what going to

be happen in future not future perception. Same as the government that no one

71

knows that what type of policies they have in future so this is the biggest threat for

every industry.

Concentration risk

Concentration risk is high as major exposure is towards the textile sector and

government, as is the case with most of the Nationalized Commercial Banks

Consolidation

Consolidation in the banking sector resulting in increased competition.

W EBSITES

www.hbl.com

www.privatisation.gov.pk

www.sbp.gov.pk

N EWS P APERS

Economic Bulletin

ANNUAL REPORTS

Habib Bank.

Bank Alfalah Securities.

72

FAQs

Q. What are the total numbers of HBL branches?

A. HBL has 1437 local branches with 703 Rural, 734 Urban

& 40 International Branches.

Q. How many are HBL’s Islamic Branches and where Located?

A. Currently HBL is with just one Islamic branch located at Karachi.

Q. What is Shareholding Pattern in HBL?

Shareholder %age

Agha Khan Fund 51.000

State Bank of Pakistan 43.047

General Public 5.000

Others 00.953

100.00

Q. What is area of Credit Risk for HBL?

A. HBL is concentrated in the textile Sector with total Advances of Rs. 67.5Bn

Q. What is HBL’s Share in total Banking Sector?

A. HBL has total market share of 20%, moreover it has 16.5% share in overall

Advances and 14.3% share in overall Deposits.

73