1.
INTRODUCTIONINTRODUCTION
PRESENTED BYPRESENTED BY
WAQAS ALIWAQAS ALI
SHAKIRSHAKIR
AYESHAAYESHA
NAQASH BASHIRNAQASH BASHIR

2.
TOPICTOPIC
MONEY TRANSFERMONEY TRANSFER

3.
DEFINATIONDEFINATION
 ““THE ACT OF TRANSFREINGTHE ACT OF TRANSFREING
MONEY FROM ONE PLACE TOMONEY FROM ONE PLACE TO
ANOTHER PLACE THIS MAYANOTHER PLACE THIS MAY
OCCUR ELECTRONACALY ANDOCCUR ELECTRONACALY AND
PHYSICALLY”PHYSICALLY”

4.
MONEY TRANSFER MAY BEMONEY TRANSFER MAY BE
DOMESTIC OUTWARDDOMESTIC OUTWARD
FOREIGN INWARDFOREIGN INWARD

5.
PARTIES INVOLEDPARTIES INVOLED
 REMMITER REMTTING BANKREMMITER REMTTING BANK
 BENEFICIARY PAYING BANKBENEFICIARY PAYING BANK

6.
Money Transfer Transactional RisksMoney Transfer Transactional Risks
 Transactional RiskTransactional Risk
 FraudFraud
 Money launderingMoney laundering
 Wrong paymentsWrong payments
 Exchange rateExchange rate
 ErrorsErrors
 Technology failureTechnology failure
 Organizational RiskOrganizational Risk
 Money changersMoney changers
 Trust collection A/c’sTrust collection A/c’s
 Non-HBL customerNon-HBL customer
 Non-residentNon-resident
 Foreign NationalForeign National

7.
Money Transfer InitiationMoney Transfer Initiation
 Application (By Remitter)Application (By Remitter)
 Application ScrutinyApplication Scrutiny
 Processing Products & SendingProcessing Products & Sending
Advices to Paying BankAdvices to Paying Bank
 Confirming SettlementConfirming Settlement

8.
Money Transfer Products &Money Transfer Products &
ProcessProcess
 DomesticDomestic
 Banker ChqBanker Chq
 LFT /(LFT /(Local Fund Transfer)Local Fund Transfer)
 LFFT /(LFFT /(Local Foreign FundLocal Foreign Fund
Transfer)Transfer)
 RTGS (PRISM)RTGS (PRISM)
 ForeignForeign
 SWIFTSWIFT (Society For(Society For
Worldwide InterbankWorldwide Interbank
Financial Telecommunication)Financial Telecommunication)
 FDDFDD (Foreign Demand(Foreign Demand
Draft)Draft)

9.
Home RemittancesHome Remittances
 Fast Draft:Fast Draft:
Non-HBL A/C holders can get their A/C credited the same day.Non-HBL A/C holders can get their A/C credited the same day.
 Fast Cash:Fast Cash:
Receive up to Rs.500,000 for instant collection fro any HBL Branch.Receive up to Rs.500,000 for instant collection fro any HBL Branch.
 Fast Direct Credit:Fast Direct Credit:
Instantly receive money in any HBL Account.Instantly receive money in any HBL Account.
 Pardes Card:Pardes Card:
To convert the beneficiary of Fast Cash into HBL customers.To convert the beneficiary of Fast Cash into HBL customers.

10.
Money transfer through ADC’sMoney transfer through ADC’s
Products:Products:
HBL internet bankingHBL internet banking
HBL mobile bankingHBL mobile banking
HBL ATMHBL ATM
Facilities:Facilities: