EXECUTIVE SUMMARY HISTORY HBL started their operations in 1941 from Bombay and after partition moved their

head office to Karachi since then they have been serving nation with full devotion. INTRODUCTION HBL has the largest and widest network in the country. It has 1437 domestic branches and 40 branches in other countries. Bank has strong credit rating of A-1+ in short term and AA in long term. Core values of Habib Bank differentiate them from other banks, which are excellence, integrity, meritocracy, customer focus and progressiveness. SHAREHOLDING PATTERN Shareholder %age Agha Khan Fund 51.000 State Bank of Pakistan 43.047 General Public 5.000 Others 00.953 100.00 HBL MAIN FUNCTIONS Like every Commercial bank in the market, HBL is also performing functions like acceptance of deposits, issuing loans, collection of dividends, collection of cheques, deposit slip, live & online banking, phone banking, voucher, trustee and other functions. ACCOUNTS OFFERED BY HBL HBL is recorded as peoples Bank so it has offered with a variety of unique Accounts to its customers like, CD Deposits, PLS Deposits, Munafa Plus deposits, PLS 7/30 Days time deposits, Value & Super Value Account and Business Value Accounts. These accounts are making HBL lead a good market deposit share and have gained popularity over time. These accounts are offered to the Individuals, Sole proprietor, Partnership and Firms. CONSUMER BANKING HBL is facilitating the general public by providing different product lines for different categories of people. Some of the offered products and services are auto finance, house finance, flexi loans and life styles, etc. HBL is Helping People fulfill their dreams and improving their lifestyle. AGRICULTURE FINANCE Major sector of Pakistans economy is agriculture. HBL is helping farmers to enhance the production in agriculture sector by providing different types of easy loans such as farm credit, non-farm credit, season wise financing, haryali finance scheme, tractor lease finance and loan for tobacco growers. E-BANKING World is moving at a very fast pace and has becoming a Global village and HBL a part of that village. Great deal of work has done in this regard after Agha Khan Fund took over the Management of Bank and implemented national means of Banking (MYSIS). HBL is facilitating its value customers by providing E-Banking, which is Complete, Convenient and Economical, Secure, user friendly.

CONCLUSION HBL is the largest bank by branch network. At the end of 2007, banks financial statements have surged by 18% to Rs 50.74 Billion. The bank had 16.5% share in overall advances. The bank had 14.3% share in overall deposits. Represent largest domestic public offering in the history of Pakistan.