Report of HBL

8/12/2019 Report of HBL

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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 wonderfulopportunities 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.


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PRESENTERS:

Amber Naeem (80)Zunaira Yaseen (104)Amaila Javaid (84)Arisha Munir (85)Saddat Ullah (57)Mirza Mohsin Zahid (92)

Contents:

History IntroductionOrganizational ChartBranches HeadquarterAwards won by HBLFunctions of HBLProducts & Services


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Competitors of HBLSWOT AnalysisConclusion & Recommendations

Logo of HBL:

This symbol of HBL contains Bismillah at thetop,

Sword under BismillahAnd the lion under sword.This Symbol Depicts:Bismillah Islamic values & cultureSword PowerLion Strength

HBL Brand nameThe Power To Lead logo

INTRODUCTION:


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HBL 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.

Pioneer in providing innovative servicessuch as:

i. First installation of mainframe computer inPakistan.

ii. Followed by ATM service and internetbanking facilities.

Over the years, HBL has grown its branchesnetwork and become the largest private

sector bank with over 1500 branches and

1300 ATM across the country.

History


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Mr. Ismail established HBL on 25thaugust1941.

Quaid-e-Azam opened his personal accountin Bombay branch of HBL.

It was nationalized in 1974.It was privatized in 2004.

Organizational Chart:


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Sponsors:

Agha Khan group (the biggest sponsorsof HBL with the most share 51%)

President

Board Of Directiors

MemberExecutive Board

Regional Chief

Zonal Chief

Branch Managers

Officiers and lower Staff


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Government and general public with49%.

Branches Headquarter:

Headquarter of HBL is situated in Karachithat building has highest number of stories

in Pakistan.

HBL has basically 9 regions all over thecountry 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


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7- K.P.K Region

8- Balochistan Region

9- Azad Kashmir Region

Awards Won by HBL:

2010

HBL wins Best Emerging Market Banksaward 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


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Objectives Of HBL:

To earn profit for the bank itself andfor its shareholders.

To promote and boost up businesssector inside the country.

To provide employmentopportunities to people. To help in economic development

and industrialization of the country.

To provide loans and advances tohelp out in self-employment schemes.

Competitors Of HBL:

NBP (National Bank Of Pakistan)UBL (United Bank Limited)Allied BankMCB (Muslim Commercial Bank)Standard CharteredBank Alfalah


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Functions of HBL:

Acceptance of deposits Issuing loansCollection of dividendsCollection of chequesDeposit slipVouchersLockersTrustee etc

Products & Services:

ProductsHBL Muhafiz Rupee Travelers ChequeHBL Auto FinanceHBL Flexi Loans for Salaried PersonnelHBL Lifestyles Financing Scheme


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HBL i-cardHBL House Financing LoansHBL Fast TransferHaryali Agricultural LoansHBL E-BankMoney Club Account Id Account Services:ATMInternet BankingMobile BankingDebit CardPhone Banking

-SWOT ANALYSIS:


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STRENGTHS:

-Goodwill and historical background

-Have largest assets

-Maximum number of branches


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-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


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-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 thecustomer load but improving now

-The individual efficiency of worthy

employees, rewarded in the form of proper

increments and promotion in grades is

required


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-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 computerilliterate

-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


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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:


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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:


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CONCLUSION:

For making progress HBL should increasetheir 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 ISLAMICHBL has always contributed towards

worthily causes and also donated

generously in case of calamities.

RECOMMENDATIONS:

Training programs for internees and newlyappointed employees.

HBL is Pakistans largest bank. It shouldeliminate the cost of online banking.


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HBL is initiator of Tele-banking servicewhich is unique service in Pakistan. Through

this service we can get information aboutour 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


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be rewarded and appreciated and lazy staff

should be warned and punished.

Report of HBL

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