 Alert through SMS.

 For all Card transactions, the customers can receive SMS alerts.
 Access to Phone Banking of HBL is 24/7.
 Account statement may be send by e-mail.
 Monthly billing statement receives through email.

 A.T.M Machine:
 Habib Bank limited provides Automated teller machine service for their customers where
customers can withdrawal money at any time. Mobile banking card are two categories
one is debit and other is credit card. Used debit or credit card one can withdrawal his/her
money from the bank. If a customer use A.T.M machine then the bank have some
benefits. If Habib Bank customer use A.T.M. in H.B.L then there is no charges and if the
customer will use the A.T.M of H.B.L of another branch. Then he/she must pay 17.50 Rs.
on each transaction which is profit for bank. I observed during internship. Bank have less
money in ATM machine. If customers have not get money from ATM machine of HBL
then the manager or employee said to the customers, they can use another branch of ATM
machine of HBL. Because bank will take charges from customers that will be profit for
bank.
 Personal loan:
Habib bank limited provides personal loan facilities in easy term. Individual get personal
loan for higher and better education or wedding ceremony. Habib bank limited provide
this service to their customers for fulfilling their needs.
 The amount of loan limit is 25000-2000000 PKR.
 Time period of loan repayments is 12 to 60 months.
 Available complete facility after 12 months.
 Habib bank limited phone banking access 24/7.
 After each 12 months complete facility available.

Criteria of personal loan:

 Salary person whose salary is deposited in the HBL Account.
 Loan applicant should be 21 year or more.
  Time period of loan 61 years or less.
 Deposit Account:
Particularly the deposits accounts consisting of current account, fixed account, saving
accounts and other types of bank account. Bank provide facility to the customers for
deposits at any time and also withdraw money from own accounts at any time on some
basic conditions. The bank have all records of transactions of its customers and also have
record of customers. Bank provide this facility to customers. Because customers place
money in deposits accounts and bank use this money and against this some interest rate
gave to customers. Which is based on term and conditions by bank to the customers.
Therefore, this situation may be reduced the conflicts between bank and customers.
 Term Account:
HBL Term Accounts Client can save investment savings for a specific period and their
savings are safe. In short time, the customer can get a higher interest rate.
 Investment plus deposits A/c.
HBL provides facility of current account to their customers and basic requirements are as
follows:
 5000 RS. Is the minimum balance.
 Infinite transactions.
 Don’t get interest on current A/c and also don’t get profit.
 Inter Branch Transaction System and HBL debit card ability
HBL current account includes following type of accounts
 Basic banking account.
 HBL business value account.
 HBL freedom account.
 HBL Saving account
There are certain benefit of saving a\c suggest by the bank to its important client.
 Daily Progressive Account.
 HBL Value Account.
 Savings Account (PLS).
 Daily Progressive Account
 HBL offers Inter Branch Transaction System (IBTS) facility.
  20000 Rs. Is the minimum balance.

 Profit is computed on daily basis.

 Annually profit is up to 9.92%.

 HBL value account

 Minimum balance is 10000 Rs.

 More than one million balance.

 In this account HBL offers to the customer debit card and free cheque book
facility.

 Ever month profit is paid.

 Annually profit is 7%.

 Every month 2 withdrawals are free Investment is safe.

 Savings Account (PLS)

The PLS-Saving Account is initially open with the appropriate introduction of the
necessary documents and the deposit is set to the fixed time. Currently the deposit
amount and the number of refunds are not canceled and there is no limit on the amount.
Making an account with refunds. The bank will evaluate the amount of profit and loss
percentage and bank take final decision necessary on the depositors.
Characteristics:
 HBL offers Inter Branch Transaction System (IBTS) and Debit Card facilities
 No limitation of least balance required
 Minimum balance is 100 Rs.
 Infinite transactions.
 Foreign currency account