HBL SOWT ANALYSIS

8/12/2019 HBL SOWT ANALYSIS

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PRESENTED Y

Amber Naeem 8

Zunaira Yaseen 1 4

Mirza Mohsin Zahid 92

Arisha Munir 85

Saddat Ullah 57Amaila Javaid 84


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Contents of DiscussionDescription of Symbol

IntroductionHistory

Organizational chart

Branches Headquarter


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Contents of Discussion Cont..)Awards won by HBLFunctions of HBLCREDIT POLICY

OBJECTIVES OF HBLCompetitors of HBL


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Contents of Discussion Cont..)

Sponsors Of HBLSWOT AnalysisConclusionRecommendations


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Description of LogoThis symbol of HBL contains Bismillah atthe top,Sword under Bismillah

And the lion under sword.


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Description of Logo cont..)

Bismillah Islamic values & culture Sword Power Lion Strength HBL Brand name The Power To Lead logo


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IntroductionHBL establish itself in the Quaids city

(Karachi) on 1947.Habib Bank Group is leader in PakistansService Industry.

Extensive network of over 1500 branchesspread over 26 countries.


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Introduction count..)Pioneer in providing innovative services suchas:

i. First installation of mainframe computerin Pakistan.

ii. Followed by ATM service and Internet

Banking facilities .


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Introduction (count..)Over the years, HBL has grown its branchesnetwork and become the largest privatesector bank with over 1500 branches and1300 ATM across the country.


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HistoryMr. Ismail established HBL on 25 th august1942.

Quaid-e-Azam opened his personal accountin bombay branch of HBL .It was nationalized in 1974.Then it was privatized in 2004.


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Organizational Chart


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SponsorsAgha khan group ( the biggest sponsors ofHBL with the most share 51%)

Government general public with 49%


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Organizational chartPresident

Board ofDirector

Member ExecutiveBoard

Regional Chief

Zonal Chief

Branch Managers

Officers & Lower Staff


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Branches HeadquarterHeadquarter of HBL is situated in Karachi that

building has highest number stories inPakistan.HBL has basically 9 regions all over the

country those control the entire activity ofHabib Bank operation countrywide.


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Regional Headquarters Lahore Region

Faisalabad Region


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Regional Headquarters count..)

Hyderabad RegionK.P.K RegionBaluchistan RegionAzad Kashmir Region


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Regional HeadquartersIslamabad Region

Karachi Region


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Awards Won by HBL

HBL wins Best Emerging MarketBanks award in Pakistan 2010.


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Awards Won by HBL

The Best Emerging Market Bank inPakistan.

HBL among top 500 Global FinancialBrands.


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Awards Won by HBL Best Bank in Pakistan.

Most innovative Global Trade Finance.

Busiest Brand.


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OBJECTIVES OF HBLTo 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 development and industrialization of thecountry.

To provide loan and advances to help out in selfemployment schemes.


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COMPETITORS OF HBL NBP (National Bank of Pakistan).

UBL (United Bank Limited).

Allied Bank.


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COMPETITORS OF HBL MCB (Muslim Commercial Bank). Standard Chartered.

Bank Alfalah.


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Functions of HBLAcceptance of depositsIssuing loans

Collection of dividendsCollection of chequesDeposit slip

VouchersLockersTrustee e.t.c.


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ProductsHBL Muhafiz RupeeTravelers Cheque

HBL Auto FinanceHBL Flexi Loans forsalaried personnel

HBL LifestylesFinancing SchemeHBL i-Card

HBL House FinancingLoans

HBL Fast TransferHaryali AgriculturalLoans

HBL E-BankMoney club accountId account


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Services ATM

Internet Banking


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Services Mobile Banking

Debit Card

Phone Banking


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SWOT ANALYSIS


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S WOT ANALYSIS

goodwill and historical background

Pakistans largest commercial bank have largest assetsmaximum number of branches

strong brand recognitionlarge market sharestrong credit rating


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online facilityforeign exchange facilityoverseas network operationsworking environment of branch is goodnation wide networkloyalty of employeesone window based operation system.Customer will go to one slot only and his/herpayment from there within 5 to 10 minutes.


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Self owned property.It also provide the facility of ISLAMICBANKING.

HBL ATM available all thetime. No service down as

compared to other banks inthe market.


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S WOT ANALYSIS

all branches are not online, still old

techniques are usedlow rate of interestcharges of cheque books and transactions

high ratio of non-performing loansinsufficient technical capacity to handle thecustomer load but improving now


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the individual efficiency of worthyemployees, rewarded in the form of properincrements and promotion in grades is

requiredbranches has less decision making and powerauthoritymostly staff members are not highlyeducated. Due to this flaw, they are unable tounderstand the communication system fully


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in the present era of latest technology, mostof the staff members are computerilliterate.HBL is offering the credit card now whenthe credit card industry is on its decliningstage.charges on online funds transfer are morethen any other bank in the market.


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SWOT ANALYSIS

Consumer Banking:

The basic needs of consumersuch as housing, transportation and otherdurable goods are not adequatelyfinanced by the banks. So by initiatingthese services, the bank can enjoy withmore funds.


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Investing in the Foreign Capital Market:

HBL can enjoy handsome return its fundingbase by investing in capital markets in the foreigncountries.

Investment Banking:

Until recently banking perceived as purelycommercial banking entity so in order to expandits business the bank may start investmentbanking by investing in the portfolio of handsomereturn.


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New Branches:HBL by establishing new branches in

foreign countries can expand its business andcan enjoy with the profits.

Issuance of Bonds:

To enjoy with large amount, HBL canintroduce a comprehensive range of bonds.


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Night Banking:

Bank can improve its deposit by givingfacility of night banking and can also compete itscompetitors with positive steps.

Advisory Services:

It can establish advisory services in orderto facilitate the customers in investing in thesecurities.


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SWOT ANALYSIS

strong competitorsconcentration riskGovernment policiesno proper consumer setup


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all branches not beautify by providingappropriate furniture and interior decorationinternally and externallycredit card accessibility is not easysome other banks are providing credit cardfacility free of cost with relaxed policies andwith attractive featuresother banks are providing online fundtransfer facility free of cost to theircustomers


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For making progress HBL should increasetheir strengths and opportunities anddecrease their weaknesses and threats, HBLcan increase their opportunities and threatsby increasing assets and decreasing liabilities.

HBL is primary dealer of Govt. securities.HBL focuses on opening more ISLAMICBANKING BRANCHES.

CONCLUSION


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HBL has always contributed towards worthilycauses and also donated generously in caseof calamities.


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RECOMMENDATIONSTraining programs for internees and newlyappointed employees.HBL is Pakistans largest bank. It should

eliminate the cost of online banking.In commercial institutions like banks, rewardand punishment system should be introduced.Means smart, educated, skilled, self-spoken and

well-dressed staff should be rewarded andappreciated and lazy staff should be warned andpunished.


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HBL is initiator of Tele-banking service whichis unique service in Pakistan. Through thisservice we can get information about our

personal account on telephone. Most of thetimes customers finds the service operatorbusy so HBL should increase their tele-

banking service center.


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Quick response to customer queries.Most of the banking employees are stickingto one seat only, as a result they becomemaster of one particular job and lose their

grip on other banking operations. In myopinion each employee should have regular

job change.


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HBL SOWT ANALYSIS

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