presentation on HBL

2. Presentation on:

3. Introduction and History
• Founded in 25 August 1941 in Bombay
• Established by Habib family
• Capital 25000rupess
• Quaid-E-Azam was 1st
account holder
• Head quarter move Karachi after born
of Pakistan

4. Habib bank plaza
located in
Karachi. It is
the head office
of habib bank.

5. Branches of HBL
• It has more then 1700 branches at
domestic level
• 55 branches in 26 different countries U.K ,
U.S.A, Hong Kong etc
• Largest banking sector of Pakistan

7. Nationalization & Privatization
• HBL was Nationalized in 1974 and it continue
to Dominate the Commercial banking sector.
• On February 26, 2004, Management control
was handed over to Agha Khan Fund for
Economic development.

8. Vision, Mission and Values

9. VISION
“Enabling people to advance
with confidence and success”

10. MISSION
“To make our Investor(s)
prosper, our staff excel and to
create value for our
stakeholders.”

11. VALUES
“Our values are based upon the
fundamental principles that
define our culture and are
brought to life in our attitude
and behaviour. It is our values
that make us unique and stem
from five basic principles.”

12. BOARD OF DIRECTORS
• SULTAN ALI ALLANA
(Chairman)
• AHMAD JAWAD
(Director)
• MUSTAFA MALIK
(Director)
• SAJID ZAHID
(Director)

13. BOARD OF DIRECTORS
• MOEZ JAMAL
(Director)
• SIKANDAR MUSTAFA
(Director)
• R.ZAKIR MAHMOOD
(President & CEO)

14. Management

15. 1. R. ZAKIR MAHMOOD
President & CEO
2. SIMA KAMIL
Head-retail & consumer banking
3. AYAZ AHMED
Chief financial officer
4. JAMIL IQBAL
Chief Compliance officer
5. SALIM AMLANI
Group internal audit
6. TULU ISLAM
GM-BRANCH & TRADE OPERATIONS
7. NAUSHEEN AHMED
Company secretary & head legal
8. SOHAIL MALIK
Chief risk officer
9. NAUMAN K. DAR
Head-corporate & investment banking and
International banking
10. ABID SATTAR
Head-Global operations & learning and development

16. 11. MUDASSIR H. KHAN
Chief information officer
12. ASLAM GADIT
Head-remedial assets
13. MIRZA SALEEM BAIG
HEAD-ISLAMIC banking
14. ALY MUSTANSIR
Head of marketing & brand management
15. M.SALAHUDDIN MANZOOR
Global treasurer
16. DR.RAZI AZMAT
Head Human Resources
17. FAIQ SADIQ
HEAD PAYMENT SERVICE
18. ABDUR RASHID AWAN
Business head-semi urban areas
19. AMAN AZIZ SIDDIQUI
RGM-GULF (USE, OMAN, BAHRAIN)
20. SHAHID FAKHRUDIN
Gm-International & Market Risk Management

17. AWARDS
2008
•Best Bank in Pakistan
•Most Innovative Market Award
2009
•The Best Emerging Market Bank in Pakistan
•HBL Among Top 500 Global Financial Brands

18. AWARDS
• HBL wins Emerging Market Bank Award in Pakistan
2010
The annual World Bank and IMF Meetings 2010 in
Washington, D.C., HBL was presented with 2
awards: Best Bank Pakistan and Best Trade
Finance Provider Pakistan. These awards were
conferred on HBL in recognition of its
achievements in product delivery and service
quality in the markets where it operates.

19. DEPARTMENTS

20. Cash Department
The cash department is the most important
department of the bank, it receives cash from
the customer and then deposit it into the
accounts of the customer and maintain their
balances.

21. Bills and Remittances Department
The main funtions of this department
is to deal in following:
1.Outward bills for collection(OBC)
2.Inwards bills for collection(IBC)

22. Foreign Exchange Department
The main function of this department is
to facilitate the imports and exports by
opening up of letter of credit the banks
provide.

23. Credit Department
The function of credit department is to lend money
in the form of clean advances against promissory
notes, as well as secured advances against tangible
and marketable securities. The bankers prefer such
securities that do not run the risk of general
depreciation due to market fluctuations.

24. PRODUCTS

25. Deposit Accounts
Current Accounts: Savings Accounts:
•HBL Freedom Account
•HBL Business Value
Account
•Current Account
•Basic Banking Account
•HBL Value Account
•PLS-Saving Account
•Daily Munafa Account

26. DEPOSIT ACCOUNTS
Term Accounts: Foreign Currency:
•HBL Advantage Account
•Investment Plus Deposit
•Foreign Currency Saving
Account
•High Yield Foreign
Currency Fixed Deposit

27. SERVICES

28. Services
• ATM
• Internet Banking
• Mobile Banking
• Phone Banking
• Debit Card
• Credit Cards

29. ATM
•Cash withdrawal
•Account Balance
Enquiry
•Mini Statement
•Funds Transfer
•Utility Bill
Payment
Internet Banking
•Funds Transfer
•HBL Credit Card bill
payment
•Cheque book Request
•Utility Bills payment

30. Mobile Banking
•Funds Transfer
•Utility Bills payment
•Account / Credit Card
balances
•Account / Credit card
statements
Phone Banking
•Balance inquiry
•Account information
•Stop cheque payment
request
•Credit Card activation
& de-activation

31. Debit Card
• All services offered through ATM can be
availed using HBL Debit card
• Upto 15% on leading restaurants

32. Credit Cards
Gold Card Green Card
Credit Limits
Minimum
150000
Maximum
500000
Minimum
20000
Maximum
149000

33. HBL ADVANCES

34. Car Loan
HBL CarLoan helps you get your preferred car through a simple
and hassle-free process, backed by superior service and support.
Features
•Choice of used, new local/imported and reconditioned imported
car
•Repayment options ranging upto 7 years.
•Upto 85% of financing for the car of your choice.
•Insurance at all times for complete peace of mind and security.

35. HBL HomeLoan offers financing options to purchase a new
house or renovate an existing house.
Home Loan
Outright Purchase
The outright purchase loan option
provides financing for buying a new
house.
Home Improvement
Home-improvement loan option
provides financing for renovating your
house.

36. Personal Loan
HBL Personal Loan
With HBL Personal Loan Gain the
freedom to use hard cash for all your
needs.
•Processing Fee on approval only.
•Repayment tenures 12 to 60 months
•Amount Rs. 25000 to Rs.2000000
•Quick Processing
•Free life insurance

37. Bancassurance
HBL and New Jubilee Life Insurance Company Limited (NJLI) introduce
Amaan: Retirement Plan Tabeer: Education & Marriage Plan
Amaan is a pension plan that provides
an opportunity for growth through
investment in a balanced portfolio with
post-retirement income benefits.
Tabeer is a plan that provides
parents with a means to
accumulate a fund over a
period of time which can then
be used to pay for a child’s
education or marriage.

38. SWOT Analysis

39. Strengths
•HABIB Bank is well established bank enjoying long history of over 65 years of
experience and profitable operation.
•HBL is the largest private bank in Pakistan now and people trust is very high
•It has the largest branch network among private banks of Pakistan.
•HBL has been very effective in controlling costs as it successfully restructured
itself after privatization.
•Excellent branches appearance gives an edge to HBL over other banks. The
branches are well furnished even in less developed areas where other banks
branches give a poor view.

40. WEAKNESS
•All branches are not online
•Low rate of interests on deposits
•Unfavorable union activities and management conflicts
•Checking System is at intra-department level
•Weak marketing policies
•Centralized management in particular areas

41. Opportunities
•Huge untapped market
•Growth of international network
•Opportunities for growth and expansion in cash management.
•Faster market growth represents opportunity to grow
•Restoration of investor’s confidence and pick up in private sector
investment flows.
•Large deposit base and funds flow can help to avail related market
opportunities

42. Threats
•Other private commercial bank with sound profitability is also a
threat to HBL e.g. UBL, Alfalfa, MCB etc.
•For the 2 to 3 years, Pakistan is facing economic and political
instability which is a big threat.
•Foreign banks are flourishing in field of consumer financing.
•Afghan war and terrorisms has an effect on the economy of
Pakistan.
•Increased regulations from state bank of Pakistan may affect its
business.

43. PEST Analysis

44. POLITICAL AND LEGAL ENVIRONMENT
Banks are strongly affected by the political and legal
considerations. This environment is composed of regulatory
agencies and government law that influence and limit various
organizations and individuals. Mostly these laws create new
opportunities for business.
•To protect banking companies from unfair competition.
•To protect consumers from unfair business practices adopted by
banking companies
•To protect the interest of the society from unbridled business
behavior.

45. ECONOMIC TRENDS
A banking market requires better consumer market in
volume along with higher borrowing power. The available
borrowing power depends on:
•Consumer income
•Saving rates
•Consumption patrons
•Rates of interest
•Budget deficit
•Exchange rates
•Cost of living
•Inflation

46. SOCIO-CULTURAL ENVIRONMENT
A society is shaped by beliefs, norms and values. People
in a society consciously and unconsciously interact with:
•Themselves
•Others
•Organization
•Society
•Nature
Following are the main factors. Which arise because of change
in socio-cultural environment?
•Consciousness about services
•Concern for environment
•Improved customer relation

47. TECHNOLOGICAL FACTORS
Forces of technological advancement have played the
most dramatic role in shaping the lives of people. The
rate of change of technology has greatly affected the
rate of growth of economy. New technology is
creating deep rooted affects which could be observed
in long run.

48. Financial Analysis

50. MAIN PROBLEMS
•There is noticeable communication gap between upper level management
and operational staff.
•There is also over staffing in HBL moreover inefficient individuals are in
credit card department.
•There is huge difference in approaches of experienced staff & young staff
•Imported upper level management
•Experienced staff is frustrated mainly because of two reasons
•Salaries have not been revised from last 10 years
•Experienced Habibians are neither satisfied by the privatization of bank nor
they were taken into confidence at that times

51. Recomendations
Employees training programs must be introduce on continuous basis
so that employees have understanding with the latest developments
specially with the customers.
Bank should introduced incentives plans for employees on regular
basis so that if employees may work whole heartedly for the welfare of
their organization. While giving incentive qualification, work,
experience, hard work and such other factors much be considered.
Mismanagement of resources must be avoided as much as possible as
a decrease profit but discourage hard workers and honest employees.

52. Recomendations
Habib Bank is going towards mobile banking but the problem is that
a common client has no idea of its usage due to lack of marketing. I
think that a proper marketing program must be launched for client
awareness.
Banks different scheme must be convey to the targeted customers
so that to have a reasonable share in market.
Bank should help the society by providing interest free loans to the
talented students.
Fresh graduates must be recruited, as the combination of experience
and fresh can produce better result and it will improve the efficiency of
management.

53. Conclusion
HBL is clearly the first choice of everyone who believes
in qualitative approach of banking an environment of highly
responsible people. Bank is enjoying a healthy market share and
taste of good status in terms of its operative features
support. HBL is clearly the best bank operating in Pakistan.
Corporate and commercial functions are distinguished features of
HBL experiencing a good reputation and reasonable mark up
with respect to prevailing market mark up with assurance of
satisfaction and support. HBL has more customers as compare to
other banks, if they given proper attention to every customer then
in few years it will be the leading bank of the country