Professional Documents
Culture Documents
Bank Al Habib
Bank Al Habib
Submitted By
Muhammad Zaman E18MBA092
Muhammad Basit Subhani E18MBA077
Arbaaz Habib Khan E18MBA133
First of all, I thank Allah Almighty who gave me knowledge and strength to
complete my research on Bank Al-Habib Limited
I would like to thank Hailey College of Banking and Finance, University of Punjab
who gave me this opportunity to groom my skills and making me able to complete
to complete this assignment
I would also like to thank to my Professor, Sir Riaz Ahmad Mian for his support
and provide us knowledge and guide us for the completion of this project
I would also like to thank Mr. Tahir Abbas Siddiqui Assistant manager, Area
Compliance for their kind support in this assignment
Table of Contents
Introduction 4
HISTORY OF THE BANK 4
BOARD OF DIRECTORS 5
Vision 5
Mission 5
Code of Conduct 5
Values 6
Corporate Social Responsibility 6
Credit Ratings 7
Branch Network 7
Awards & Achievements 7
Products & Services 8
Financial Analysis 41
SWOT Analysis 42
PEST Analysis 44
Recommendations 46
Conclusion 47
Introduction
Bank Al-Habib in Pakistan is controlled by Dawood Habib
Group. Bank Al-Habib Limited is incorporated as an open
restricted organization in October 1991 and began its financial
tasks in 1992. The Head Office of the bank is in Multan and its
Principal office in Karachi. The Late Hamid D. Habib was the
Managing director of the Bank Al-Habib Limited. He was before
the Chairman of the Habib Bank Limited. After the Death of Mr. Hamid in May
2000, Mr. Ali Raza D. Habib who was the Director of the Bank Al Habib Limited
was designated as the Chairman of the Bank. The Late Rashid D. Habib was the
Managing Director and CEO of the Bank Al-Habib Limited until he passes away in
1994. After his demise, Mr. Abbas D. Habib who was the Joint Managing Director
of the Bank was selected as the Managing Director and CEO of the Bank and
currently the Chairman of the Bank. Presently, Mr. Mansoor A. Khan is the
present CEO of the Bank
Vision
TO BE OUR CUSTOMERS' MOST CONVENIENT AND TRUSTED BANK
Mission
TO MAKE BANKING SAFE, SIMPLE, AND PLEASANT
Code of Conduct
This Code of Conduct expects to guarantee consistence with the most
astounding moral and expert principles which have portrayed the Habib's financial
activities throughout the years. The Bank puts the most noteworthy need on its
corporate qualities and its moral and expert norms, and requires consistence
thereto by all executives and workers.
Values
Directors and employees of the Bank will dependably be guided by the
accompanying qualities:
Respect of People
Relationship of trust
Services to customers
Simplicity in everything
Culture in ownership
Communication & Ownership
Branch Network
The bank has wide scope of branch organize made up to 725
absolute branches which involves 684 branches (counting 71 Islamic Branches and
3 Overseas Branches, one each in Bahrain, Malaysia and Seychelles) 37 Sub-
branches and 4 Representative Offices, 1 each in Dubai, Istanbul, Beijing and
Nairobi
1. Current Account
A Current account is that in which you can pull back cash at
whatever point you like. It is a basic record and no premium is paid by bank on
such record. Current record is likewise called Demand Deposits moreover.
1.1 Current Plus Account
A current plus account that meets all business and individual banking needs.
Key Features
Free Debit Card facility
Free Online Banking
Free Mobile banking
Documents Required:
Mechanized/Smart National Identity Card (CNIC/SNIC)
National Identity Card for Overseas Pakistanis (NICOP)
Copy of any service charge Proof of pay or compensation authentication
Key Features:
No minimum balance
Free Life Insurance*
Free online banking
Free Pay order (up to 3 months)
Free E-statement
Free Internet Banking
Documents Required:
Mechanized/Smart National Identity Card (CNIC/SNIC)
National Identity Card for Overseas Pakistanis (NICOP)
Copy of any service charge Proof of pay or compensation authentication
Kid Registration Certificate/B-Form/Student ID card (For Minor)
Foreign Citizen living in Pakistan, bore witness to duplicate of identification
bearing legitimate visa or work license
Key Features:
Free Life Insurance*
Account can be opened with Rs. 5/-
Free internet banking
Free mobile banking
SMS alert facility
Free Debit card facility
Documents Required:
Mechanized/Smart National Identity Card (CNIC/SNIC)
National Identity Card for Overseas Pakistanis (NICOP)
Kid Registration Certificate/B-Form/Student ID card (For Minor)
Key Features:
No charges at opening or conclusion of record Cash withdrawal
No minimum balance requirement
Cash withdrawal limit of Rs. 50,000/- per day
Fund transfer limit of Rs. 50,000/- per day
Total credit balance limit of Rs. 50,000/- per day
Cheque book facility
Free E-statement
Free Debit card
Documents Required:
Mechanized/Smart National Identity Card (CNIC/SNIC)
National Identity Card for Overseas Pakistanis (NICOP)
Kid Registration Certificate/B-Form/Student ID card (For Minor)
Key Features:
Two deposits & two withdrawals are allowed in a month
No bank charges
No minimum balance requirement
Initial deposit for opening of account is Rs. 1,000/-
Free Debit card
SMS Alert Facility
Documents Required:
Mechanized/Smart National Identity Card (CNIC/SNIC)
National Identity Card for Overseas Pakistanis (NICOP)
Copy of any service charge Proof of pay or compensation authentication
If there should be an occurrence of salaried individual, duplicate of
administration/representative card
2. Saving Account
A Saving account which are useful for those individuals who
have low dimension of salary and funds. Such accounts help in the activation of
the sparing of low dimension of pay. The sum can be pulled back from this record
subject to specific terms and conditions. An ostensible rate of premium is paid by
bank on such records.
Key Features:
Particular Rate of Profit
No base or greatest parity requirement
Profit determined on month to month normal balance
Profit payout on month to month basis
No confinements on withdrawals
Up to 90% financing against store
Documents Required:
Mechanized/Smart National Identity Card (CNIC/SNIC)
National Identity Card for Overseas Pakistanis (NICOP)
Copy of any service charge Proof of pay or compensation authentication
If there should be an occurrence of salaried individual, duplicate of
administration/representative card
Kid Registration Certificate/B-Form/Student ID card (For Minor)
Key Features:
No base or greatest equalization necessity
Profit determined on month to month normal parity
Up to 90% financing against store
Free Internet and Mobile financial
Free Pay Orders/Bankers Checks
Profit payout on month to month premise
No limitations on withdrawals
SMS Alert facility
Documents Required:
Mechanized/Smart National Identity Card (CNIC/SNIC)
National Identity Card for Overseas Pakistanis (NICOP)
Copy of any service charge Proof of pay or compensation authentication
Key Features:
No base or greatest equalization requirement
Monthly and six months to month benefit payout plans
Profit determined on month to month normal balance
Up to 90% financing against deposit
Free Internet and Mobile Banking
No confinements on withdrawals
Free Life Insurance*
Documents Required:
Mechanized/Smart National Identity Card (CNIC/SNIC)
National Identity Card for Overseas Pakistanis (NICOP)
Copy of any service charge Proof of pay or compensation authentication
If there should be an occurrence of salaried individual, duplicate of
administration/representative card
Key Features:
Absolute Debit every Month: Rs. 500,000
Total Credit Balance Limit: Rs. 500,000
Account can be opened with Rs.5/ -
Profit determined on month to month normal parity
Profit payout at regular intervals
Free Life Insurance*
Documents Required:
Mechanized/Smart National Identity Card (CNIC/SNIC)
National Identity Card for Overseas Pakistanis (NICOP)
Kid Registration Certificate/B-Form/Student ID card (For Minor)
Key Features:
This record will be sustained through from Home Remittances from abroad
No underlying store or least equalization prerequisite
No charges at opening or conclusion of record
Cash withdrawal breaking point of PKR 50,000 every day
Fund exchange utmost of PKR 50,000 every day
Total Credit Balance Limit of PKR 2,000,000
Free E-Proclamations
Preferential rate of profit for your reserve funds 9.0%
Free Life Insurance*
Documents Required:
Mechanized/Smart National Identity Card (CNIC/SNIC)
National Identity Card for Overseas Pakistanis (NICOP)
Kid Registration Certificate/B-Form/Student ID card (For Minor)
Key Features:
Multiyear Savings Certificate with six regularly scheduled installments of
profit
The record can be opened by any; Individual (single or joint) like salaried
individual, independently employed etc. Register Partnership concern.
Public and Private Company. Registered trust. Government Body etc.
Minimum Amount required to put resources into the testament is Rs.
25,000
Profit will be naturally credited to the client account
On development of the arrangement client may choose programmed move
over at winning rate
Expected Rate of Return on stores
Rate of return applicable:
a) First Year 9.25% p.a. (1st & 2nd Profit payment)
b) Second Year 9.30% p.a. (3rd & 4th Profit payment)
c) Third Year 9.50% p.a. (5th & 6th Profit Payment)
Key Features:
Least venture of Rs. 25,000
Residencies accessible 1, 2, 3, 4 and 5 Years
Benefit will be paid on first working day of each month.
Monthly benefit payout in client's base record (Current or Saving)
90% financing permitted against deposit
Rate of return:
a) 1-year Deposit 10.50% p.a.
b) 2-year Deposit 10.60% p.a.
c) 3-year Deposit 10.70% p.a.
d) 4-year Deposit 10.80% p.a.
e) 5-year Deposit 11% p.a.
Key Features:
Least venture of Rs. 25,000
Profit payout at development in client's base account
90% financing permitted against deposit
Deposit move over choice available
Premature encashment choice available
Key Features:
Assemble your very own speculation plan with ease
No charges on untimely encashment
Free disaster protection for whole arrangement tenure
Accumulated benefit dependent on bank's PLS Savings rate
Plan Tenure: Minimum One (01) year and most extreme 20 years
Total plan limits up to PKR 20 million
Non-Medical farthest point up to PKR 5 million
Age utmost: 18 – 60 years
Insurance benefits:
Permanent Total
Death benefit Accidental Benefit
Disability
Death benefit + 50%
100% sum covered 50% sum covered
sum covered
Key Features:
No Minimum Balance
Free Life Insurance*
Free Cash Handling
Free Remittances (Three Per Month)
Up to 90% Financing in Pak Rupees
Eligibility Criteria:
Must be a Pakistani national
Existing singular clients keeping up acceptable relationship.
Least a half year of dynamic association with BAHL.
BAHL Corporate/Commercial Relationships
Valid CNIC issued by NADRA (NICOP card holders having organizations/work
in Pakistan might be acknowledged with conditions appropriate).
The total Debt Burden ought not be over half
Pricing:
Variable Rate Option for example 1 Year Kibor + 3% With Salary Transfer
(for Salaried Person).
1 Year Kibor + 3.5% (for without compensation exchange and
Businessmen/SEP)
Rate amendment on every class will be on advance commemoration
Security:
Evenhanded Mortgage for BAHL alongside Token or Full Registered
Mortgage; as exhorted by our Legal Counsel
Life Coverage Insurance and Property Insurance
Charges:
a) Processing Fee: Rs.4,000/-
b) Balloon Payment: 3% as per SOC
c) Delayed Payment: Rs. 500 per late payment
d) Returned Cheques: Rs. 500 per case
e) Property Valuation: At Actual
f) Lawyer Fees: At Actual
g) Income estimation: At Actual
h) Life & Property Insurance: At Actual
5.2 Cash Finance
The sharpest method for satisfying your own and family needs, while keeping
your reserve funds unblemished. Presently exploit an issue free close to home
credit at the most aggressive rate against your National Savings Certificates, Pak
Rupee/Foreign Currency Deposits and First Habib Cash Fund units.
Key Features:
Brief and Hassle-Free Processing
Balance Transfer Facility is additionally available
No Processing Fee
Documentation Charges (At Actual)
No Pre-installment Penalty
Free E-Statement/Internet Banking Facility
Eligibility Criteria:
Every Resident Pakistani Individuals, for example, Salaried, Self Employed
and Business Persons
Satisfactory Credit History
Finance Amount:
Least Finance sum is Rs. 50,000
Maximum (90% against PKR Deposits/Encashment estimation of Securities
and 85% on FCY Deposits)
Documents Required:
ALHABIB CASH FINANCE Application Form
Duplicate of CNIC
BBFS
Most recent compensation slip/Salary Certificate (For salaried individual)
Ledger Statement for most recent six Months (For Business Person)
Some other record of pay evidence, if accessible
As of now Liability assertion according to the endorsed SBP design)
Pricing:
Financing up to Rs. 5.0 Million Against Bank AL Habib PKR Deposits
Running Finance: 2.00% over Deposit Rate Term Finance: 1.50% over Deposit
Rate Financing up to Rs. 5.0 Million (Against FCY Deposits and Permissible
Government Securities)
Running Finance: 2.00% more than 3 Months KiborTerm Financial 1.50%
more than 1 Year Kibor For Financing of over Rs 5.0 Million
Running Finance: 1.50% more than 3 Months KiborTerm Finance: 1.25%
more than 1 Year Kibor Aggregate Debt Burden
Half of net discretionary cashflow
5.3 ApniCar
Bank AL Habib APNI CAR-The vehicle financing office which gives you complete
significant serenity through advantageous reimbursement plans
Key Features:
Free Accident Insurance up to Rs. 500,000
Financing accessible for Brand New, Used and Imported Cars Minimum Down
Payment for Brand New Cars is 20% and 30% for Imported/Used Cars
Minimum Financing: Rs 250,000
Maximum Financing: Rs. 3,000,000/ - for Brand New Cars and: Rs. 1,500,000/
- for Imported/Used Cars Financing period is 1-5 years
Easy month to month installments
No Pre-installment penalty
Also accessible under Islamic Finance (Diminishing Musharakh)
Eligibility Criteria:
Must be a Pakistani Citizen
Account Holder of any Bank
Must be a Salaried person or businessmen
Key Features:
Private venture Loans will center on (but won't be confined to) jobless youth,
particularly taught youth searching for setting up or expanding business
undertakings
SME Financing (Small Business)
All Men/Women holding CNIC, matured between 21 to 45 years having an
enterprising potential may apply from the assigned branches, mapped with
their region of living arrangement or business
Self-Guarantor (where offered security/ardent property is in their very own
name and ought to be esteemed at any rate 1.5 occasions of the advance
sum).
Business Hypothecation (Stocks, Inventory, Receivables and so on)
Pricing/Mark Up Rate 6% per annum
Maximum Up to Rs. 2 Million. Least Rs.0.1 Million
6. Remittance
A settlement is an exchange of cash by an outside specialist to a person
in their nation of origin.
6.1 Home Remittance
Bank AL Habib Home Remittance Division is encouraging abroad Pakistanis around
the world and their friends and family in Pakistan by offering some benefit added
administrations to remitters and recipients under the extraordinary Home
Remittance courses of action
6.2 MoneyGram
MoneyGram has an overall reach through its system of 310,000 nearby specialists
crosswise over 197 nations and domains, giving its clients accommodation and
adaptability. MoneyGram is quick, trusted, secure and an all-around prestigious
approach to get cash everywhere throughout the world from your friends and
family in minutes.
6.3 Ria Money Transfer
Ria is a worldwide pioneer in cash settlements and backup of Euro net Worldwide,
Inc. (Nasdaq: EEFT), with administrations in more than 147 nations and 300,000
areas.
7. E-Banking
It is a technique for banking in which the client conducts exchanges
electronically by means of the Internet.
7.1 Visa Debit Card
This is a Debit card offered explicitly to BAHL accountholders. On the off chance
that you don't have a record, if it's not too much trouble open a record at any part
of Bank AL Habib to get a BAHL Visa Debit Card (Silver or Gold) and begin getting a
charge out of the accompanying advantages.
Key features:
Global Acceptance
Convenience
Supplementary card option
ATM Cash withdrawal
Balance Enquiry
Mini statement
Global customer assistance services
Fund transfer across accounts
7.2 UnionPay Debit Card
Bank AL Habib is continually endeavoring hard to give best in class administrations
to its clients. In accordance with this vision, we have presented an all-inclusive
satisfactory item "BAHL UnionPay Debit Card"
Key features:
Global acceptance
Convenience
Supplementary card option
ATM cash withdrawal
Fund transfer across accounts
Balance enquiry
Mini statement
International customer support
7.3 PayPak Debit Card
AL Habib are glad to display the BAHL PayPak Debit Card. This Card is legitimate for
residential reason just and must be utilized by entering your PIN on electronic
terminals
Key Features:
Convenience
Balance enquiry
Mini statement
Nominal Fee structure
7.4 ATM Card
Bank AL Habib is an author part bank of 1 Link, the biggest shared ATM arrange
countrywide, allowing you 24-hour access to your record from any ATMs. This
system will continue extending to give you unmatched and most advantageous
administrations.
Key Features:
Acceptability around the globe
Up to 3 supplementary credit cards
Revolving facility
Convenient payment modes
24-Hour Call Centre
Insurance Cover
Zero Loss Liability
Lost/Stolen Card replacement
Cash advance facility
E-Statements
Net Banking
SMS Alerts
Eligibility Criteria:
Existing individual Account Holders
Salaried representatives of Corporate Relationships accepting month to
month pay rates in their Bank AL Habib account.
Self-utilized Professionals and Businessmen
Age: 21-60 years for salaried customers
Age: 21-65 years for independently employed Professional and
Businessmen
Age for Supplementary Card: 18-70 years.
Minimum Income prerequisite for salaried candidates Rs. 10,000 p.m.
Minimum Income prerequisite for independently employed Professional
Basic Documents:
Bank recommended application form
Copy of Computerized National Identity Card
Bank Statement Minimum of Six months.
CF 1 Annexure – subtleties of different offices as of now get from different
Banks/DFIs.
Credit Shield undertaking, if client selects, for Credit Shield.
Eligibility Criteria:
PKR Account Relationship only
ATM/Debit Card
Active Ufone SIM (no other system can benefit this facility)
13-digit CNIC by NADRA
Key Features:
No enrollment fees
Save your time as bills are paid automatically
No holding up in long lines at banks
Nominal expense of PKR 25/ - just for an effective charge exchange
8. Corporate Banking
Bank AL Habib, Corporate Banking is tied in with everlasting and all-season
connections spinning around solid qualities. Being a business arranged bank
which trusts in cooperating, we generally take a stab at associations dependent
on correspondence and along these lines view ourselves as a bank that the
dynamic and result-situated organizations can identify with.
We give a wide cluster of business arrangements including yet not restricted to
the accompanying
Working Capital financing
Trade Financing
Long-Term Financing offices for new undertakings, extensions and BMR
which additionally incorporates long haul fund office offered by SBP.
9. SME Banking
The SME Division was set up with an expect to give SE and ME
Banking and attempts to deliberately serve this critical fragment. BAHL has
confidence in rearrangements of methodology and decrease in turnaround
time and quality administrations.
Revised Prudential regulations as defined by the SBP
Annual
No. of
Classification Segment Sales Limit
employees
Turnover
SE Up to 50 150 25
ME Trading 51-100 800 200
ME Manufacturing 51-250 800 200
ME Services 51-250 800 200
We offer after offices to the clients:
Working Capital Financing
Procurement of Inventory
Receivable Financing
Procurement of Machinery
Key Features:
Financing Facility is accessible for SMEs borrowers, as characterized in
Prudential Regulations of SBP for SMEs.
Financing is accessible for neighborhood buy/import of new hardware for
BMR of existing SMEs units and setting up of new SMEs units for buy of
new Generators up-to 500 KVA.
Financing is accessible just against LCs if there should arise an occurrence of
financing against imported plant and apparatus.
Financing is accessible to the degree of the C and F estimation of the
imported new plant and apparatus and/or ex-plant/showroom cost of the
new privately made hardware.
Tenure:
The office is accessible for greatest time of ten years including a half year
elegance period.
Mark-Up Rate:
Financing is up to 6% p.a.
Key Features:
Financing will be accessible to lady’s business visionaries in the underserved
regions
Financing under the plan ought to be given to setting up of new business
undertakings or for development of existing ones.
Limit:
Most extreme Rupees one and a half million (Rs. 1.5 Million).
Tenure:
Financing is accessible at increase rate of up to 5 percent for each annum.
Mark-Up Rate:
Most extreme time of five (5) years including a half year effortlessness period.
Tenure:
Financing will be accessible for a greatest time of seven years including a most
extreme beauty time of a half year.
Mark-Up Rate:
Financing is accessible at increase rate of 6 percent for each annum.
14.7 Livestock financing for Nestle Dairy Farms
The Bank has made a concurrence with Nestle' Pakistan to give short, medium
and long haul financing offices to dairy ranchers subsidiary with and appropriately
prescribed by M/S. Settle' Pakistan Defiance office is considered for qualified
ranchers, on case to case premise, under our endorsed item "Al Habib Kissan
Livestock and Dairy Development Finance Scheme" against adequate insurance
and money streams.
Key Features:
Dairy ranchers working with Nestlé since last over 2 years ought to have a
legitimate CNIC/character doc, living/working in the territory for in excess of
five 5 years.
Candidate must not convey default history with any bank/monetary
foundation.
Term Finance Facility, for a tenor from 2 to 5 years to buy creatures, animals
and dairy gear/hardware and appropriation/transportation requirement.
These financing offices are accessible at limited increase rates.
15. Islamic Financing
Islamic banking or Islamic account or sharia-agreeable fund is banking or financing
action that agrees to sharia and its reasonable application through the
advancement of Islamic financial matters
15.1 Murabaha Finance
An agreement between the Bank and a Customer under which the Customer first
buys certain merchandise/products/resources as an Agent of the Bank, and the
Bank in the wake of claiming the merchandise/items/resources pitches it to a
similar Customer by adding certain net revenue to its expense.
Available for:
Neighborhood buy of Assets/Commodities/Goods.
Imports under Letter of Credit/Firm Contract.
Purchase of crude material for exports.
Local buy of crude materials for generation of Goods/Assets.
Shariah Compatibility:
Resources must be Shariah compatible.
All understandings/records endorsed by our certified and experienced
Shariah Advisor and normal observing/checking of Murabaha exchanges by
the Shariah Advisor
Customer’s Guidance:
Murabaha is constantly took into account new purchases.
Goods will not be utilized by the Customer before the Murabaha offer and
acknowledgment are signed.
Rollover in Murabaha isn't permitted. Notwithstanding, new buys can be
made under new Murabaha arrangements.
Murabaha cost once fixed can't be changed.
For Vehicles:
Ijarah understanding and other record endorsed by our certified and
experienced Shariah Advisor.
Periodical rentals to be fixed by Customer needs at exceptionally aggressive
terms.
Regular observing and checking of Ijarah exchanges by our Shariah Advisor.
Principles:
Lessening Musharakh (DM) is a type of co-proprietorship in which the
customer and the bank share the responsibility for unmistakable resource in
concurred extent.
Diminishing Musharakh can be made just in substantial resources.
Decreasing Musharakh will be constrained to the particular asset(s) and not
to the entire venture or business
A DM would comprise of the accompanying three stages Creation of joint
proprietorship between the bank and the client
Renting out by the bank unified offer in the benefit claimed to the client.
Selling its offer in intermittent portions by the bank to the customer.
Every single other term and conditions as are fundamental to co-possession,
Ijarah and deal will be satisfied in regard of various stages during the time
spent DM arrangement
Proportionate offer of the customer and the bank must be known and
characterized as far as investment
Loss, assuming any, will be borne by the bank and the customer in the
extent of their particular investments
The measure of intermittent installment would continue diminishing with
buy of proprietorship units by the client.
Each occasional installment will establish a different exchange of sale
Availability:
Assembling of determined item(s).
Construction of structures, plants, roadways, spans, under Build, Operate
and Transfer arrangements.
Manufacturing of flying machines, ships, machines, plant/processing plant
and gear.
Shariah Compatibility:
Merchandise/Material/Specified things that require assembling or
development must be Shariah compatible.
All understandings/records endorsed by our certified and experienced
Shariah Advisor and ordinary observing/checking of Istisna exchanges is
being finished by the Shariah Advisor.
16. Islamic Banking Deposit Scheme
Islamic Banking Deposits offers a differing scope of
Deposit and Investment related records guaranteeing Shariah consistence.
a) Strength:
The strength of Bank Al-Habib is as Follows:
ATMs at bank Al Habib are tied down inviting and simple to get to
Bank Al Habib's image name is itself a quality
Bank Al Habib have the more than 700 branches in Pakistan.
They don't devour to much capital on the advertising of their item.
Appropriate web based financial framework.
No, an excess of danger of the political condition.
Adequate liquidity position.
Habib school’s half concession for the poor people groups
b) Weakness
The weakness of Bank Al-Habib is as follows:
Bank Al Habib rushes to give credits and cards.
Difficult application is for applying for a charge card
No showcasing for the advancement of their advertising.
They are not high daring individual in business exercises but rather in
business the term is utilized "high hazard high benefit, generally safe low
benefit"
An excess of poor Self Marketing Department.
c) Opportunities
The opportunities of Bank Al-Habib are as follows:
Bank Al Habib can likewise search for little record holders
Bank Al Habib has a chance to converge with some other bank to expand
the quantity of its branches in Pakistan.
Alluring pay bundles ought to be granted.
Showcasing office ought to be begun so as to advance the name of Bank Al
Habib.
d) Threats
The threats of Bank Al-Habib are as follows:
Step by step rivalry is expanding of the extension of the banks as well as
due to the propelling of the new bank in the market for example Barclays.
Conditions of Pakistan are an extraordinary risk for the presence of the
Bank Al Habib
An ever-increasing number of banks are propelling their activities in
Pakistan which is increasing competition for the Bank AL Habib.
The regular banks those having high development rate and high piece of
the overall industry are continually being a danger.
PEST Analysis
a) Political Factors
The occasions over the most recent few years; the bomb impact of May 28th, 1998
and the subsequent freezing of the FCA's, the presentation that Riba is Un-Islamic,
and an unstable political situation that saw the oust of the Nawaz Sharif routine,
all contributed in featuring the imperative job of government in the nearby
economy.
b) Economic Factors
The Pakistan economy is increasingly controlled economy, at that point one
where advertises powers reign supreme. A few key establishments are expressed
possessed. Accordingly, a discourse of the monetary powers that influence the
private association, for example, bank Al Habib can't overlook the significant
pretended by the government in deciding the condition of the economy. The
greatest pointer of the overwhelming role enjoyed by the administration was
proof when outside cash accounts (FCA's) were solidified on the orders of the
service of money in the wake of blast tests on May 31st, 1998
c) Socio-Cultural Factors
A low sparing society has balanced the tremendous populace advantage this is
delighted in by Pakistan. Also, culture is committed by the religion, and in
Pakistan a critical portion of the populace is loath to acknowledge enthusiasm for
their stores because of the negative religious ramifications of such an act. About
70% of Pakistan's populace depends on country regions, in this manner making it
harder for banks to mobilize their stores inside these locales.
They utilized the frontal assault in the market for the advancement of their
business in the market like different banks in the Pakistan. They are politically
solid since they have no record of that thoughtful that is affected by the politically
insecurity in the nation. They are too much mindful in giving the credit facility to
the client.
Bank Al Habib is for the most part accentuation on the financing and stores that is
the better for the effective work of the association. They are poor in the IT
division however they are taking care of this issue in last year by introducing
another arrangement of IT, and furthermore train their workers enlist the gifted
representatives for the IT segment. By this execution of the IT division of the Bank
Al Habib is an excessive amount of improved