Habib Esmail, founder of Habib Group, started his career in Bombay at the age of 13 Habib Bank Limited was established in Bombay in 1841 by the sons of Habib Esmail. The bank had over 528 branches operating in Pakistan at the time of partition.

4. Presentation
contents

5. Introduction

6. Bank AL Habib was incorporated as a Public Limited Company in October
1991
Started banking operations in 1992
In 2005, Bank AL Habib began offering internet banking
In 2006, Bank AL Habib became partners with Visa card
It was under the privatization policy the Dawood Habib Group
was the first to be granted permission by the Government of
Pakistan to setup a commercial bank.
It is a venture of the Habib Group, which owns 50% of the shares - 20 %
shares are owned by NIT and 30% are owned by the general public.

7. Products and services:
1-Auto loan
2-Home loan
3-Home buying
4-Home Constructions

8. 1-Auto loan
Bank Al Habib APNI CAR- the
car financing facility which gives
you complete peace of mind
through convenient repayment
plans.

9. 2-Home loan and Home
buying
Safe and comfortable
shelter is the prime
necessity for each
individual
Pakistani National
- Salaried or Self Employed
- Minimum 23 to Maximum 60
Years Old
- Minimum Net Salary Rupees
20,000/=

10. 4-Home Constructions
Bank AL Habib will help you
as our eligible customer to
build the house of your
dreams!

11. Services:
1-Online banking
2-ATM Card
3- Debit card
4-Credit Card
5-Electronic funds transfer
6-Remittances
7-Life Insurance

12. 1-Online banking
•Funds Transfer
•BAHL Credit Card bill
payment
•Cheque book Request
•Utility Bills payment

13. 2-ATM Card
• Cash withdrawal
• Account Balance Enquiry
• Funds Transfer
• Utility Bill Payment

14. 3- Debit card and credit card
Debit card
Maximum
500000
Credit Limits
Credit card
Maximum
149000

15. 4-Electronic funds transfer

16. 5-Remittances
Bank AL Habib Limited offers Funds Transfers
in Pak Rupees (Inland Local Remittances) or
in Foreign Currencies, (Foreign Remittances)
on request of customer.

17. 6-Life Insurance
It gives us great pleasure to inform our valued
customers that Bank AL Habib has arranged
"Absolutely Free" Insurance Cover to our
existing saving account holders

18. Management
General Manager
Deputy General Manager
Assistant General Manager
Senior Chief Manager
Chief Manager
Senior Manager
MGR
Assistant Manager
Officer Grade I
Officer Grade II
Officer Grade III
Sub Officer

19. Organization Design
1-Work Specialization.
2-Departmentalization
3-Chain of Command.
4-Span of Control.
5-Centralization and Decentralization.
6-Formalization.
7Discipline

20. 1-Work Specialization.
 In Bank Al Habib all the employees are specialized in
their own fields. The job description of each and every
employee is separate. All the workers have the basic
knowledge of general banking. So the individual
employees in the Bank are doing the separate activities
to the other employees. But all the employees have the
knowledge of other departments because of the proper
training job rotation.

21. 2-Departmentalization
 In the Bank Al Habib Ltd the jobs are grouped
according to the functions performed. It means, there
is a functional departmentalization in the Bank Al
Habib. Every department has its own separate
function to perform. The jobs in Bank Al Habib also
grouped on the basis of the geography. There is a
Chief Manager for each main branch in the territory.
So the jobs in Bank are grouped on the basis of
functions as well as on the basis of the area.

22. Departments
 Cash department
 Clearing department
 Credit/advances department
 Remittance department
 Foreign exchange department
 Risk management
 IT department
 Accounts/Finance department
 Audit department
 Quality & services department
 Customer services

23. Cash department
 Payments
 Receipts

24. Clearing department
 Inward clearance
 Outward clearance

25. Credit/advances department
 Advances department is one of the most
sensitive and important departments of the bank.
The major portion of the profit is earned through
this department. The job of this department is to
make proposals about the loans.

26. Remittance department
 Local Remittance
 Foreign Remittance
 The following are the main and important functions of this
department. Remittance can take place in four different
ways.s
 Demand Draft
 Pay orders
 Telegraphic Transfer
 Mail Transfer

27. Foreign exchange
department
 L/C dealing.
 Foreign currency accounts dealing.
 Foreign Remittance dealing

28. Risk management
 Risk Management is considered to be an
important focus in the Bank AL-Habib setup
although strong Reserve base provides some
space to breathe. Significant risk reduction
measures are taken to ensure the ongoing health
of the bank’s financing portfolio

29. Accounts/Finance
department
 The finance department in Bank Al Habib is
functioning computerized as well as manual. . It
handles each and every transaction is being
made into the bank, and control expenses and
allocation of funds through appropriation of
accounts.

30. IT department
 The IT department of Bank Al Habib comprises of 2
sub-divisions: the Operations division, which
conducts user training sessions on the various
applications, including the retail banking package
Bank Plus, payroll applications, remittance and
demand drafts systems, and personal desktop
applications. It is also responsible for the hardware
and software maintenance of the various systems of
the bank. The Development division is responsible for
software development and maintenance.

31. Chain of Command
 General Manager Deputy GM
Assistant GM Senior Chief Manager
Chief Manager Senior Manager
Managers Assistant Manager Officers

32. Span of Control
 The number of employees that a manager can
efficiently and effectively manage is called the
Span of Control. In the Bank Al Habib the span
for each staff manager is about 4-5 staff
members on average. This span of control of the
Bank has made it to achieve the organizational
goals more efficiently and effectively.

33. Centralization and
Decentralization
 Bank Al Habib is an organization following
centralized planning and controlling. Planning is
the responsibilities of the senior management
group more particularly the board of directors,
and to check any deviation from the prescribed
plan, there is head office under them.

34. Formalization
 Bank Al Habib is more formalized, more
centralized in terms of planning and controlling,
reasonable span of control for each manager, a
unity of command and departmentalized. And
this is the structure of the branch in terms of its
authorities and responsibilities of each of the
department

35. Discipline
 The degree to which employees obey the rules
and follow instructions of the organization is
called discipline. In Bank Al Habib employees
follow the instructions and obey every rules and
regulations. Every employee comes in time and
remains busy full time in activities to smoothly
running the work.

36. ORGANIZATIONAL PROFILE
OF CULTURE
 At BAHL, they have created a challenging
environment that encourages creativity and
commitment. In their pursuit of excellence
 Bismillah ============Islamic Culture and
Values
 Sword ============== Power
 Lion================ as a symbol of
strength

37. Attention to Detail:
 The employees in BAHL are expected to exhibit
precision, analyses and attention to detail.

38. Outcome Orientation
 Bank AL HABIB Limited management focuses on the
results or outcome rather than how these results have
been obtained. Managers totally check the results
which are obtained after providing all the services to
its all loyal and other type of customers. The
manager’s takes action on the behalf of previous
results obtained for future. The managers check the
annual reports and judge the customers behavior for
checking the outcome of BAHL

39. Innovation and Risk Taking:
 BAHL aim is to be proactively responsive to new
ideas, and to respect and reward the agents,
leaders and creators of change. BAHL makes its
all employees more attentive and innovative.
BAHL orders employees to bring innovation in all
its services which are providing to the public.

40. Team Orientation
BAHL work is organized around teams
rather than individuals. The totally work
performed by BAHL is the result of team
work.

41. How Employees learn culture
 In BAHL, the employees learn culture by stories
and by rituals.
 Customer-responsive culture
 Focus on individual development
 Trust and openness
 Employee’s Empowerment

42. Organization Structure for
decision
 A well-developed and properly coordinate structure is
an important requirement for the success of any
organization. It provides the basic framework within
which functions and procedures are performed. Any
organization needs a structure, which provides a
framework for successful operations. The operation of
an organization involves a number of activities, which
are related to decision making,

43. Use of Electronic Data in
Decision Making
 Speed
 Accuracy
 Decision Making Capability
 Compact Storage
 Automatic Operations

44. Software’s being used
 BAHL Information System.( Electronic Banking System)
 IBM Lotus (Correspondence within Bank)
 All the reports and memos are being communicated within the
branches of the bank by using the IBM software. There are
some other software’s are being used in the bank other then
the above two; and MS Office is one of the most important
Application Software is being used for the preparation of
reports and maintenance of

45. Corporate Strategies
 There are three main types of corporate strategies including
Growth strategy, Stability strategy and Renewal
strategy.
 Short term objective;
 Profitability
 Long term objective;
 Profitability
 To optimize the use of resource

46. STEP 1
Define the
problem
STEP 3
Establish goals that
solving the problem
should accomplish
STEP 4
Identify
alternatives that
will solve the
problem
STEP 5
Develop valuation
criteria based on the
goals
STEP 6
Select a decision-
making Tool
STEP 7
Apply the tool to
select a
preferred
alternative
STEP 8
Check the answer
to make sure it
solves the problem
STEP 2
Determine the
requirements that
the solution to the
problem must meet
The Ideal Decision-making
Process

47. Decisions
 1-Rationality:
 2-Bounded rationality:
 3-Intuition:

48. In BAHL, Bounded
Rationality Decision:
 In BAHL branch the bounded rational approach applied,
because there everyone as well as the manager is bounded to
follow the command of top management. Employees are
bounded to follow the command of branch managers in which
they work. And branch manager are bound to follow the
instructions of top managers it means employees are not free
to take decisions on the basis of their own knowledge,
experience or feelings. They can take decisions only on the
basis of command or instructions of upper level of
management.

49. THANKS
FOR
ATTENTION