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Swot Analysis: Strength
Swot Analysis: Strength
Swot Analysis: Strength
SWOT ANALYSIS
STRENGTH
H.B.L. has very effective Network of branches all over the country.
Every 10th Pakistani is A/C holder of H.B.L. has made huge investment in almost
all the important economic sectors of Pakistan. H.B.L. not only has made
investment in industry but also in small scale industry as well. H.B.L. has efficient
& less bureaucratic set up H.B.L. has introduced monthly income scheme that
provides almost highest interest rate .A.T.M. Was introduced in Pak. By H. B. L.
master card facilities is also available to the clients.
WEAKNESS
OPPORTUNITIES
H.B.L. is oldest bank in the country people do rely on this bank with
some additional efforts bank can attract high deposit from Pakistan and
overseas.
Instead of emphasizing on big & long term projects bank should concentrate on
small scale investments heaving small maturity period.
Now-a-days H.B.L. has been investing almost 18% of its total investment on
cotton business, along with investment in cotton it should invest in other cash
crops, i.e. Rice, Sugar Cane, Tobacco, Wheat etc and there related agro based
industry.
THREATS
First threat that bank has to face is the Privatization, down sizing &
restructuring these changes could make drastic effects as well.
New incoming local & specialy foreign banks those are main cause of
stiff competition in the market
DFI’s are going very well in financial set up of Pakistan. So, these are
also effecting on the operations of bank. Along with other threats the threat of
corruption has vital importance.
CONCLUSION
Habib Bank limited was rated among first 500 banks of the world but now it is in
among 1000 banks in the world, H.B.L. is not progressing due to political
influence, in efficient management & corruption. If these draw backs have
removed then bank will not only join its previous position rather we hope it will be
rated among world top ten bank
MODERN BANKING:
Master Card
ATM
MASTER CARD:
Habib bank is providing many latest and modern facilities to Its customers. Master Card is one of
them, which is given by HABIB BANK LIMITED. Master Card is having following benefits &
privileges.
HABIB BANK LIMITED master car is accepted at over 12 Million establishments worldwide.
Free air travel accident insurance is provide.
This is the card having a photograph & signature of the car holder, which gives the security against
misuse.
On this card cash withdrawals are available over 29000 outlets all over the world.
Now a days bank are going to inter in the world of computer & technology, each & every mark
which was one by the men is being one through computer.
HABIB BANK LIMITED is innovator to introduce A.T.M. facility to its customer first time in
Pakistan. A.T.M machine basically provide 24 hours cash service to its customer you just have to
enter your code & amount requirement you could get it whenever you want in throughout
24hours. A.T.M car facility can be given to all those who are the customer of the Bank but having
certain average balance.
In Habib Bank cantt. Branch A.T.M Dept. is supervised by experienced & well educated, with
reference to business, Mrs. Farhat. For getting A.T.M car simple procedure is adopted:
As far as the world bank concerned , it is not yet decided how it was
concerned there are various opinions regarding the organization of
world bank .
One view is that word is derived from words because banque which mean
a bank.
Another options is that the world bank is derived from the German word
back which means first of funds.
History of Banking
In Greece temples of Ephusis and Delphi were biggest banks of their time
where the people deposited their money and other valuables for safty and
security as also too first financial agents.
Interest seeing great the great demand, these money lenders started
organization themselves and banks started coming up at the principal as
ports in Southern Europe soon Venus and southern Euro Genoa become
the most important of the items and banks flourishes.
Modern Banking
Banking in its modern form started in Britain when many of the Lombardy
merchant came to England in the 14 century. They deal not only keeping
the money in safe custody but also changed the money for the travelers for
the merchants in foreign trade. Later on the business was taken over Gold
smith. The introduced necessary facilities of safe keeping of the valuable
and the cash for their customers. These were Gold simth notes.
Banking in Pakistan
At the time of independence there were 487 offices of schedules banks if
Pakistan. However the banks including those having their registered
offices in Pakistan , transferred them to India. By 30 th time June 1948 the
no offices of scheduled banks in Pakistan declined from 487 to only 195
There were 19 non Indian foreign banks with the status of small branches
office while there were only 2 Pakistan bank i.e. Habib Bank and
Australian Bank
Organization Banking in Pakistan.
FUNCTION
1- It has the sole authority f the issue of the bank notes.
2- It acts as banker to the government.
3- It acts as an advisor and agent to the govt. On order to fulfill this obligation
the state bank has established the necessary machinery to keep the
related statistical and other information availbale.
4- It is also the banker’s bank and the lender of the last resort.
5- It has the liability to control the credit and bank rate.
6- Exchanger. The authority to control the foreign exchange is also related
with the state bank.
7-
COMMERCIAL BANKING
Presently commercial banking is operating in nationalized and private
sector both. So for twelve banks have been established in private
sector.
According to provision of the bank nationalization act 1974 all the
commercial banks were recognized and merged into the following five
banks
1- Habib Bank Limited
2- United Bank Limited
3- National Bank of Pakistan .
4- Muslim Commercial Bank Limited
5- Allied Bank of Pakistan.
Shareholder Percentage
(%)
State Bank of Pakistan 92.24
Islamic Republic of Pakistan 1.30
State Life Insurance Corp. of Pakistan 0.23
Other Public Bodies 0.05
Outstanding Shares (1,217,849,500) 100