ACKNOWLEDGEMENT:

First of all we are very much thankful to All

Mighty Allah who gave us health and ability to
analyze and write this report. After that we
would like to thank our respected teacher MS
Ayesha Sarfraz Khan who gave us this
assignment, which provide wonderful
opportunities to learn and also opened
different dimensions of thinking.
Last but not the least we would like to thank
all the staff of HBL for their tremendous
support and help that was more essential in
completion of this report.




PRESENTERS:
Amber Naeem (80)
Zunaira Yaseen (104)
Amaila Javaid (84)
Arisha Munir (85)
Saddat Ullah (57)
Mirza Mohsin Zahid (92)
Contents:
History
Introduction
Organizational Chart
Branches Headquarter
Awards won by HBL
Functions of HBL
Products & Services
Competitors of HBL
SWOT Analysis
Conclusion & Recommendations
Logo of HBL:
This symbol of HBL contains Bismillah at the
top,
Sword under Bismillah
And the lion under sword.
This Symbol Depicts:
Bismillah Islamic values & culture
Sword Power
Lion Strength
HBL Brand name
The Power To Lead logo
INTRODUCTION:
HBL establish itself in the Quaids city
(Karachi) on 1947.
Habib bank group is leader In Pakistans
service industry.
Extensive network of over 1500 branches
spread over 26 countries.
Pioneer in providing innovative services
such as:
i. First installation of mainframe computer in
Pakistan.
ii. Followed by ATM service and internet
banking facilities.
Over the years, HBL has grown its branches
network and become the largest private
sector bank with over 1500 branches and
1300 ATM across the country.
History
Mr. Ismail established HBL on 25
th
august
1941.
Quaid-e-Azam opened his personal account
in Bombay branch of HBL.
It was nationalized in 1974.
It was privatized in 2004.
Organizational Chart:



Sponsors:
Agha Khan group (the biggest sponsors
of HBL with the most share 51%)


President

Board Of Directiors
MemberExecutive Board
Regional Chief
Zonal Chief
Branch Managers
Officiers and lower Staff
Government and general public with
49%.
Branches Headquarter:
Headquarter of HBL is situated in Karachi
that building has highest number of stories
in Pakistan.
HBL has basically 9 regions all over the
country those control the entire activity of
Habib Bank operation countrywide.
Regional Headquarters:
1- Lahore Region
2- Faisalabad Region
3- Islamabad Region
4- Multan Region
5- Karachi Region
6- Hyderabad Region
7- K.P.K Region
8- Balochistan Region
9- Azad Kashmir Region

Awards Won by HBL:
2010
HBL wins Best Emerging Market Banks
award in Pakistan 2010
2009
The Best Emerging Market Bank in Pakistan
HBL among top 500 Global Financial Brands
2008
Best Bank in Pakistan
Most innovative Global Trade Finance
Busiest Brand
Objectives Of HBL:
To earn profit for the bank itself and
for its shareholders.
To promote and boost up business
sector inside the country.
To provide employment
opportunities to people.
To help in economic development
and industrialization of the country.
To provide loans and advances to
help out in self-employment schemes.
Competitors Of HBL:
NBP (National Bank Of Pakistan)
UBL (United Bank Limited)
Allied Bank
MCB (Muslim Commercial Bank)
Standard Chartered
Bank Alfalah
Functions of HBL:
Acceptance of deposits
Issuing loans
Collection of dividends
Collection of cheques
Deposit slip
Vouchers
Lockers
Trustee etc
Products & Services:
Products
HBL Muhafiz Rupee Travelers Cheque
HBL Auto Finance
HBL Flexi Loans for Salaried Personnel
HBL Lifestyles Financing Scheme
HBL i-card
HBL House Financing Loans
HBL Fast Transfer
Haryali Agricultural Loans
HBL E-Bank
Money Club Account
Id Account
Services:
ATM
Internet Banking
Mobile Banking
Debit Card
Phone Banking
-SWOT ANALYSIS:

STRENGTHS:
-Goodwill and historical background
-Have largest assets
-Maximum number of branches
-Strong brand recognition
-Large market share
-Strong credit rating
-Online facility
-Foreign exchange facility
-Overseas network operations
-Working environment of branch is good
-Nationwide network
-Loyalty of employees
one window based operation system.
Customer will go to one slot only and
his/her payment from there within 5 to 10
minutes.
-Self owned property
-It also provide the facility of ISLAMIC
BANKING
-HBL ATM available all the time. No service
down as compared to other banks in the
market.
WEAKNESSES:
-All branches are not online, still old
techniques are used
-Low rate of interest
-Charges of cheque books and transactions
-High ratio of non-performing loans
-Insufficient technical capacity to handle the
customer load but improving now
-The individual efficiency of worthy
employees, rewarded in the form of proper
increments and promotion in grades is
required
-Branches has less decision making and
power authority
-Mostly staff members are not highly
educated. Due to this flaw, they are unable
to understand the communication system
fully in the present era of latest technology,
most of the staff members are computer
illiterate
-HBL is offering the credit card now when
the credit card industry is on its declining
stage
-charges on online funds transfer are more
then any other bank in the market
OPPORTUNITIES:
Consumer Banking:
The basic needs of consumer such as
housing, transportation and other durable
goods are not adequately financed by the
banks. So by initiating these services, the
bank can enjoy with more funds.
Investing in the Foreign Capital Market:
HBL can enjoy handsome return its
funding base by investing in capital markets
in the foreign countries.
Investment Banking:
Until recently banking perceived as purely
commercial banking entity so in order to
expand its business the bank may start
investment banking by investing in the
portfolio of handsome return.


New Branches:
HBL by establishing new branches in
foreign countries can expand its business
and can enjoy with the profit.
Issuance of Bonds:
To enjoy with large amount, HBL can
introduce a comprehensive range of bonds.
Night Banking:
Bank can improve its deposit by giving
facility of night banking and can also
compete its competitors with positive
steps.
Advisory Services:
It can establish advisory services in order
to facilitate the customers in investing in
the securities.
THREATS:
- Strong competitors
-Concentration risk
-Government policies
-No proper consumer setup
-All branches not beautify by providing
appropriate furniture and interior
decoration internally and externally
-Credit card accessibility is not easy
-Some other banks are providing credit card
facility free of cost with relaxed policies and
with attractive features
-Other banks are providing online fund
transfer facility free of cost to their
customers.


CONCLUSION:
For making progress HBL should increase
their strengths and opportunities and
decrease their weaknesses and threats, HBL
can increase their opportunities and threats
by increasing assets and decreasing
liabilities.
HBL is primary dealer of Govt. securities.
HBL focuses on opening more ISLAMIC
HBL has always contributed towards
worthily causes and also donated
generously in case of calamities.
RECOMMENDATIONS:
Training programs for internees and newly
appointed employees.
HBL is Pakistans largest bank. It should
eliminate the cost of online banking.
HBL is initiator of Tele-banking service
which is unique service in Pakistan. Through
this service we can get information about
our personal account on telephone. Most of
the times customers finds the service
operator busy so HBL should increase their
tele-banking service center.
Quick response to customer queries.
Most of the banking employees are sticking
to one seat only, as a result they become
master of one particular job and lose their
grip on other banking operations. In my
opinion each employee should have regular
job change.
In commercial institutions like banks,
reward and punishment system should be
introduced. Means smart, educated, skilled,
self-spoken and well-dressed staff should
be rewarded and appreciated and lazy staff
should be warned and punished.