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 wonderful opportunities 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.
PRESENTERS: Amber Naeem (80) Zunaira Yaseen (104) Amaila Javaid (84) Arisha Munir (85) Saddat Ullah (57) Mirza Mohsin Zahid (92) Contents: History Introduction Organizational Chart Branches Headquarter Awards won by HBL Functions of HBL Products & Services Competitors of HBL SWOT Analysis Conclusion & Recommendations Logo of HBL: This symbol of HBL contains Bismillah at the top, Sword under Bismillah And the lion under sword. This Symbol Depicts: Bismillah Islamic values & culture Sword Power Lion Strength HBL Brand name The Power To Lead logo INTRODUCTION: HBL establish itself in the Quaids city (Karachi) on 1947. Habib bank group is leader In Pakistans service industry. Extensive network of over 1500 branches spread over 26 countries. Pioneer in providing innovative services such as: i. First installation of mainframe computer in Pakistan. ii. Followed by ATM service and internet banking facilities. Over the years, HBL has grown its branches network and become the largest private sector bank with over 1500 branches and 1300 ATM across the country. History Mr. Ismail established HBL on 25 th august 1941. Quaid-e-Azam opened his personal account in Bombay branch of HBL. It was nationalized in 1974. It was privatized in 2004. Organizational Chart:
Sponsors: Agha Khan group (the biggest sponsors of HBL with the most share 51%)
President
Board Of Directiors MemberExecutive Board Regional Chief Zonal Chief Branch Managers Officiers and lower Staff Government and general public with 49%. Branches Headquarter: Headquarter of HBL is situated in Karachi that building has highest number of stories in Pakistan. HBL has basically 9 regions all over the country 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 7- K.P.K Region 8- Balochistan Region 9- Azad Kashmir Region
Awards Won by HBL: 2010 HBL wins Best Emerging Market Banks award 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 Objectives Of HBL: To 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 economic development and industrialization of the country. To provide loans and advances to help out in self-employment schemes. Competitors Of HBL: NBP (National Bank Of Pakistan) UBL (United Bank Limited) Allied Bank MCB (Muslim Commercial Bank) Standard Chartered Bank Alfalah Functions of HBL: Acceptance of deposits Issuing loans Collection of dividends Collection of cheques Deposit slip Vouchers Lockers Trustee etc Products & Services: Products HBL Muhafiz Rupee Travelers Cheque HBL Auto Finance HBL Flexi Loans for Salaried Personnel HBL Lifestyles Financing Scheme HBL i-card HBL House Financing Loans HBL Fast Transfer Haryali Agricultural Loans HBL E-Bank Money Club Account Id Account Services: ATM Internet Banking Mobile Banking Debit Card Phone Banking -SWOT ANALYSIS:
STRENGTHS: -Goodwill and historical background -Have largest assets -Maximum number of branches -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 -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 the customer load but improving now -The individual efficiency of worthy employees, rewarded in the form of proper increments and promotion in grades is required -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 computer illiterate -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 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: 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: - Strong competitors -Concentration risk -Government policies -No proper consumer setup -All branches not beautify by providing appropriate furniture and interior decoration internally and externally -Credit card accessibility is not easy -Some other banks are providing credit card facility free of cost with relaxed policies and with attractive features -Other banks are providing online fund transfer facility free of cost to their customers.
CONCLUSION: For making progress HBL should increase their 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 ISLAMIC HBL has always contributed towards worthily causes and also donated generously in case of calamities. RECOMMENDATIONS: Training programs for internees and newly appointed employees. HBL is Pakistans largest bank. It should eliminate the cost of online banking. HBL is initiator of Tele-banking service which is unique service in Pakistan. Through this service we can get information about our 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 be rewarded and appreciated and lazy staff should be warned and punished.