Project On HBL

Management Information System : MIS3663

Project Proposal
Project Origin:

Group Name:
WHITE TIGERS

GROUP MEMBERS:
Abdul Majeed
HM Shakir Abdullah
Muhammad Ahmed
Bilal Ahmed

0009
0027
0028
0022
MCOM5A

Submitted To:
PROF. AHSAN HUMAYUN

Submission Date:
04-12-2015

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Table Of Contents
Sr.No
1
2
3
4
5
6
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8
9

Description
Acknowledgment
Formulation of banking sector
Introduction of HBL
Management Information System
Networking
Hardware's
Software's
Conclusion
References

Page
No
4
5
6
12
17
22
23
24
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Acknowledge
In the name of Allah the Most Merciful And Kind whose blessings made it possible for us to
complete this complex and painful task. It is a matter of great enthusiasm and pleasure for us to
complete this Phase 1, It is all because of Almighty Allahs great guidance that made us so able
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to complete this task, and we would like to thank our respected teacher Ahsan Humayaun Sahib
for giving us opportunity to do this project, and I (Abdul Majeed) would also like to say special
thanks to My Team Member, H M Shakir, Muhammed Ahmed, and Bilal and to the following
staff of HBL who helped us a lot in this project.

Name
Tauqeer Niami

Area manager

Shoiab Usman

Credit manager operation

Muhammed Qaiser

Manager Trade

Madam Adeena Bhatti

Cashier

Umer Munawar

General banking

Kamran Yusuf

IT Officer

Formulation of the banking system:

According to one school of thought the word bank is derived from Italian word Bancus or
Banque which mean s a bench, According to second school of thought it is derived from a
Germen word Back which means Joint Stock fund, But irrespective of this ,for us as we live in
this era the word bank is the most beneficial and important word especially in our daily business
life.
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The concept of banking system is directly related to the time from when we realize the
importance of monetary system, before that barter system was used for all the transactions but as
we started using money ,paper money or whatever the need of an controlling institution was felt ,

Banking system In Pakistan

If we talk about Pakistan At the time of independence, there were 631 offices of banks in
Pakistan, of which 487 were located in West Pakistan. As a new country without resources it
was very difficult for Pakistan to run its own banking system immediately. Therefore, Reserve
Bank of India was allowed to continue to function in Pakistan until 30th September 1948, so that
problems of time and demand liability, coinage currencies, exchange etc. be settled between
India and Pakistan. The non-Muslims started transferring their funds and accounts to India. By
the end of June 1948 the number of officers of scheduled banks in Pakistan declined from 631 to
225. Similarly the Reserve Bank of India was not in the favor of Govt. of Pakistan. The Govt. of
Pakistan decided to establish a full-fledge central bank. Consequently the Governor-general of
Pakistan Quaid-I-Azam inaugurated the State Bank of Pakistan on July 1, 1948. Thus a landmark
was made in the history of banking when the state bank of Pakistan assumed full control of
banking and currency in Pakistan. The banking structure in Pakistan comprises of the following
types.

State Bank of Pakistan

Commercial Bank of Pakistan
Saving banks.
Cooperative banks
Specialized credit institutions.

The state bank of Pakistan is the head of the all banks and was established on July 1, 1948.and
commercial banks are those banks which fulfill our short term needs especially in business
transaction, in Pakistan we have following banks fulfilling our requirements

National Bank of Pakistan

Muslim commercial bank limited
Habib Bank Limited
United Bank Limited
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 Allied Bank of Pakistan

Habib Bank Ltd

Type
Public Limited Company

Founded
Bombay (now Mumbai), in 1941.

Headquarters
Habib Bank Plaza, Karachi,

Industry
Banking Capital Markets

Products
Loans, Credit Cards, Savings, Consumer Banking etc.
GDP Rs27.384 trillion 2014/2015
Profits for the year 2014
31.8 billions

Website
www.hbl.com

Branches in Faisalabad
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Abdullah Pur Branch

Agricultural University Branch
Madina Town Branch
Akbar chock Gulastan colony Branch
Bhawana bazar Branch
Clock tower Branch
Fawara chock Branch
Gulberg colony Branch
Samnabad Branch
and many more
we have choosed Madina Town Branch branch for our project

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Brief history of HBL

Hbl is the only bank which got the honour in which the father of the nation Quaide azam opened
his account he was the first person to open account in the bank,it started making history on 3oth
of august 1941,it was the first muslim bank in subcontinent. Mohammad Ali Habib was the
founder of this habib bank at the time of start its total paid up capital is 2.5 million but because
of his efforts bank touches the sky with in no time.
In 1942, on the desire of Quaid-e-Azam, Habib family migrated to Pakistan and later on shifted
the Bank's Head Office from Bombay to Karachi on 7th August 1947 just one week prior to
independence. There are more then thousand branches inside the Pakistan and about 66 Branches
overseas providing financial services to its worthy customers.
Habib Bank is working for the last 66 years and become the largest commercial bank in the
country. Habib Bank has innovated a numbers of financial schemes like term deposits, Special
notice term deposits, A.T.M. etc. As governments are hoping to be liberal and their policies are
innovative and liberal the scope of banking is increasing and Habib Bank is on step ahead if the
growth and participating very much in the economic growth of Pakistan.
Habib bank HEAD QUARTER is situated in KARACHI that building has highest number of
stories in Pakistan. Habib bank has basically 9 Regions all over the country those control the
entire activity of Habib bank operation is countrywide.

Vision
"To be a quality financial service provider maintaining the highest standards in banking
practices".

Mission
"To be a strong and stable financial institution offering innovative products and services while
contributing towards the national economic and social development".

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Hierarchy
The Hierarchy means designations or different posts in a company who are answerable to each
other for the betterment of the company. In HBL Madina town Branch the Hierarchy is

R
Gg
Mo
-a
OAC
psi
psE
se
t
se

i
i
n
l
h
e

f
x
c
i

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rCRGAeadiM-OpstHubng
The r=Regional Chief Executive is the head or on the top and under him two general managers
are working for the betterment of the bank, one is responsible for operations of the bank and
other will look after the assets of the company. both are answerable to RCE.

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C r e d i t H u b A r M e a n M a A ga r e n a r g O e p r p o r a t i o n s m a n a g e r

C r e d i t m a rB k r e a t n i n c gh om ffi a cn e a r g e r
C u s t o m e r s e r v ic e r e p r e s e n t a t iv e
C a s h ie r
Credit Hub Manager, Area Manager And Area Operation Manager they are the equal ranks in the
bank and are heads of their departments, Credit Marketing Officer is responsible for providing
loans against assets and is answerable to credit hub manager who will answer to RGM-Assets,
cashiers and CRM are there to serve the customers and will report to the area manager

Products & Services:

As Habib Bank is the 2nd largest Banking sector in Pakistan So its products and services are no
doubt better and different from others. In order to maximize customer convenience, they offer
ONLINE SERVICES

ATMs
Mobile Banking
Call center
Bill Payments
E Statements

ACCOUNTS
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Current Account
saving account
Foreign currency account
Fix Option
Treasury Bills
Provide finance for

Personal Loan
Car financing
Corporate finance

CARDS

Debit card
visa card
credit card

Competitors:

National Bank
MCB
UBL
ALLIED BANK
ALFALAH BANK
ASKARI BANK
MEEZAN

As far as UBL is concerned, Habib Bank feels that it is a competitor because UBL itself is a
sister HBL of Habib Bank as the Abu Dhabi Group has stake in UBL and so there is always a
comparison between them.
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Furthermore, Askari Bank is a competitor because of the fact that the product and services that it
offers is fairly similar to that of Habib Bank and its markup rates are similar as well. MCB, after
being privatized has also introduced a wide variety of services and with its large number of
account holders, it is also a big competitor.

Acquisition:
City bank and Hsbc were foreign banks but are now acquired by Hbl.

MIS In Action
Information System:
MIS (Management Information Systems) is the hardware and software systems within an
enterprise that provide the information that management needs to run an Enterprise.
Management Information Systems (MIS) is the term given to the discipline focused on the
integration of computer systems with the aims and objectives on an organization.
With the help of information technology habib bank record the daily transactions that took place
from all over the Pakistan into a centralized database in real time which means there is no Batch
processing is taking place in habib bank all over the Pakistan. Every bank branch is an online
branch which is directly connected to the centralized server to keep the data up to date to avoid
any problems. As Time is money and due to IS measure habib banking concern make thousands
of proceedings per day in concept IS makes unit procedure large indefinite amount More areas
simpleton and dependable. Due to IS employees can easily connect with different branches
consumer divine service gets built online banking emerged and lot of others benefits. habib bank
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Online is an innovative Online Banking religious service that you can semester to suit of clothes
your accurate banking needs. It gives us accessible pear-shaped the finance employment ranging
from day to day account transactions to the coin time financial information..Now we can manage
your finances anytime, anywhere
With computers existence as present as they are 24-hour interval locations hardly for any size
concern that does not rely extensively on their IT scheme. However there are several fact fields
in which MIS has become invaluable.

Strategy Support:
Computers can helps the management in taking decisions and making stretigies.MIS can be
used to transform information into info need for decision making. Computers can provide
business statements and public presentation reports to aid in the preparation, observance and
execution of strategy. By studying these reports conclusion makers can identify patterns and
trends that would have remained unseen if the raw data were consulted manually. MIS systems
can also use this raw accumulation to run simulations For example MIS systems can provide
predictions about the result on income that an adjustment in terms would individual on a product.

Data Processing:
MIS Not only helps the organization in processing of big amounts but also provide a valuable
welfare to the workforce, .Where in the past business concern information had to be manually
pure for formation.

Management by Objectives:
As MIS systems are extremely useful in generating applied mathematics reports and data
analytic thinking they can also be of use as a Management by Objectives MBO tool.MBO is a
management cognitive process by which managers and subordinates agree upon a series of
objectives for the underling to endeavor to achieve within a set clock time frame. Objectives
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are set using the SMART quantitative relation that is objectives should be fact Measurable
Agreed, Realistic and Time Specific. The aim of these objectives is to provide a set of key public
presentation indicators ..Since all smartness objectives are by distinctness measurable they can
be tracked through with the contemporaries of administration reports to be analyzed by
conclusion maker.

Benefits of MIS:
MIS can deliver an extraordinary benefits to enterprises in every industriousness. Skilled
organizations along with good system of MIS can help the organization in achieving its goals.

Enhance Supply Chain Management:

Better coverage of concern for manufacturing process from sourcing of materials and most of the
data concatenation of supply includes distribution of products to improve the mechanism of
consultation with information on more
than one aerodynamic Money product
process inevitably leads to power
products

EBBS (Electronic Basic Banking

System):
Core banking is the heart of any
organization, HBL core banking
application is EBBS (Electronic Basic
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Banking System) which is the actual strength of this bank. EBBS are the single software suit
that work on these basic modules

Saving
Current Accounts
Customer Information System
New Accounts
Demand Deposits
Clearings
Time Deposits
Loans
Credit Lines
Automatic Transfers
Tax Information
On-Line Transactions
Authorizer
Cashiers Checks
Construction Loans
Sensitive Accounts
Warnings

Advantages:
1. Make transaction from home.
2. We can transfer funds while the depository financial institution is shut.
3. Most Banks if not all piece of work done an encrypted transmission channel with your
info
4. We can download a data file that holds Our history info and can reconcile our info very
easily.

Disadvantages:
1. If the bank's server is down, We can't use it
2. Some places will charge Us for online access .
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3. Our net connection is essential to operate and for taking the advantage of it.

ECAP (Electronic Card Processing System):

Another core banking application that HBL is using is ECAP (Electronic Card Processing
System) which is used to manage all the Credit and Debit Cards of the account holders. The
software has these two basic modules
Debit Card
Credit Card

The most benefits of credit card processing system are:

Stability and Safety.
Credit card processing gateways are 24-hour stable, i.e. they always function, and server
breakdowns occur very rarely. 128 bit SSL encryption and other certificate technologies shuffle it
impossible action for hackers to read and modify credit wag information.
Rapid Transactions.
Well its really beneficial for us especially if we are business man, just with one click we can
perform a transaction which can no doubt save our much time.
Fully Automatable.
Most e commercialism merchandiser accounts let their owners grip all the minutes as wellspring
as automatically physical process recognition identity card information.
24-hour Support.

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E-Commerce merchandiser service providers will usually offer a free customer support religious
service which aid you to settle any questions without having to query the processing depository
financial institution directly.
Global Access.
We will be able to access our Online bank account from anywhere in the world, and any
computing device letting you review summary and dominance your credit entry card processing.
Instant Statistics.
The control condition Page of most e commercialism merchandiser accounts gives us elaborate
applied mathematics info regarding our consumers placement age etc, our money flow (incomes,
gateway expenses, totals, etc.), and other important information, which can be vital when market
strategies are being planned.
Visa, MasterCard, etc.
E-Commerce accounts are able to process any type of Visa and MasterCard s but the charges or
cost is depend on the concern bank policy.
Servers of HBL:
HBL has a centralized server machines running day and night to ensure the maximum uptime
and top notch quality to their applications which dramatically support their whole business
process. The bank servers resides in different cities and data centers of Pakistan i.e. Karachi,
Lahore, Islamabad and all of them are interconnected with each other for real time data update
and synchronization. As a rule stated by STATE BANK OF PAKISTAN; A bank must have 3
years of customer data in their servers. To abide this rule, HBL stores the last 3+ years of data
into their local sever which are residing in Pakistanis data centers for quick access of data and
other issues. The bank archives the old data to their Main Server and when any branch need to
access the old data; they connect to the Main servers and download the required data. The

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configuration of server depends upon the load of work it handles and the application which
is running on the server. If the application is critical then the server is also of high configuration.

Networks in HBL:
Networking is the milestone achieved by HBL which gives the integration between information
systems of various departments. HBL is using CISCO networks to maximize the outcome and to
enhance the communication quality within their organization which results in the better
service. Standard Chartered has different types of network configuration for different scenarios;
some of them are discussed below.
Local Area Network (LAN):
The local area network (LAN) is running inside the organization and providing ultimate
connectivity between the employees and other persons. There are some Workgroup applications
also running over their LAN for easy collaboration between the employees of same and different
departments. The LAN is not exposed to the outside world for security reasons and there is
aproxy server running for connectivity outside the organization which makes sure the internal
network is not exposed to the internet

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Network between data centre:

As HBL has different servers located at different areas of Pakistan, so the networking between
them is necessary. Each data center is directly connected to another datacenter using two links
(i.e. Radio & Optical Fiber) because if one link goes down, there is a second one to give backup
link, If a wired is cut off then the radio link is available for connectivity and if there is a
frequency block in radio link, there is a wired link to give backup to the network. Each branch
has two links, one is DXX which is connected to the nearest data center and another link is
VSAT which is connected to the second nearest data center to make sure branch keep working if
there is a problem occur in any one of the datacenters.

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Diagram of ATM Machine:

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Diagram Level 0 of ATM Machine:

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HARDWARE USED BY HABIB BANK

The part that can be seen or touched is called hardware. As the name represents hard means hard,
so physical parts are called hardware. The term hardware refers to machinery. This category
includes the computer itself, which is often referred to as the central processing unit (CPU), and
all of its support equipment.

Description
Database server
Related server
Network printer
Lcd monitor
Laptops
Laser printer
Printers
Scaners
Photocopier
Generators
Ups

Quantity
1
6
1
20
3
2
3
2
1
1
2

SOFTWARE USED BY HABIB BANK

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Set of instructions given to the computer to solve a problem. The term software refers to
computer programs and the manuals that support them. Computer programs are machinereadable instructions that direct the system to perform certain task.
OPERATING SYSTEM SOFTWARE:

Misys is being used as the main operating system in Habib Bank according to
them it is more powerful than Windows. Having built-in office and e-mail(external & internal)
MULTI-USER ONLINE BANKING (MOB)
The main system used by the bank is called Multi-user Online Banking (MOB).This is the main
system through which all of the branches of Habib Bank are linked together. This system has
many sub systems of which the foremost and important is Management information system.
Multi-user Online Banking (MOB) works in such
away that for example if customer opens an account in Habib Bank once thatinformation is fed
into the system then that information will become available to all the braches of Habib Bank
located in Pakistan. For instance if the account has been opened in Islamabad the customer can
deposit and withdraw money from wherever in Pakistan from an on-line branch, this is mainly
possible through Multi-user Online Banking(MOB).
Multiuser Online Banking (MOB) is a customer made software and thecomputer language that h
as been used to develop is Common Business OrientedLanguage (COBOL).The software of
MOB has been kept different from same type of software so as to prevent unauthorized entry.

Communication software:
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The communication between the departments is mostly done thru emails and the software used
for this purpose is
Outlook

SUPPORTING SOFTWARES:
HBL uses following supporting software through them are performing there work daily and that
are:
MS WORD
MS EXCEL
MS POWER POINT
MS ACCESS

CONCLUSION
HBL is clearly the first choice of every one who believes in qualitative approach of banking
an environment of highly responsible people. Bank is enjoying a healthy market share and taste
of good status in terms of its operative features and customer support. HBL is clearly the best
bank operating in Pakistan. Personal loan is a distinguished feature of HBL experiencing a good
reputation and reasonable markup with respect to prevailing market mark up with assurance
of satisfaction and support. HBL has more customers as compare to other banks, if they given
proper attention to every customer then in few years it will be the leading bank of the country.

References:
www.hbl.com
www.wikipedia.com
Shoiab Usman (CMO HBL Madina Town Branch)
www.google.com

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Thanks White Tigers For Supporting Me In This Project

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