NON-BANKING & FINANCAL

INSTITUTIONS
PROFESSOR . TANVEER BAIG

GROUP PROJECT
 Iqra Naeem Sidra Rani
BCH22-144 BCH22-148

Saher Ijaz GROUP Rimsha Amir

BCH22-121 MEMBERS BCH22-115

Sana Rani Javeria Safdar

BCH22-111 BCH22-116
LAYOUT
 INTRODUCTIN
 OBJECTIVES
 VISSION $ MISSION
 HEAD OFFICE
 ORGNIZATION STRUCTURE
 CAPITAL
 FUNCTIONS
 PRODUCTS
 ACHIEVEMENTS
 “SWOT” ANALYSIS
 WAY FORWARD
 CONCLUSION
INTRODUCTION
HBFC stands for “HOUSE BUILDING FINANCE CORPORATION” established in 1952
”pursuant to legalization as they only have Finance Institution in PAKISTAN by GOP”.

In 2006, HBFC introduced as a public sector unlisted company and on 1st JANUARY 2007,
it took over assets and liabilities of HOUSE BUILDING FINANACE CORPORATION.

OBJECTIVES
HBFC aims “to providing financial assistance to every PAKISTANI struggling and
housing need.”

Currently the “company’s objectives to reduce the demand and supply gap of
residential unity in the country” allowing the majority of the masses to own a home.

VISSION
HBFC is striving to be a socially responsible and commercially sustainable housing
finance institution.

MISSION
To be the center of excellence for expansion of mortgages, housing and construction
finance sector in Pakistan.

HEAD OFFICE
Head Quarter in KARACHI (total 51 branches)

ADDRESS
House Building Finance Company Ltd, 3rd floor, Finance & Trade Centre, Shahrah-e-
Faisal, Karachi, Pakistan.

Phone: (+92) 21 35641711-15.

ORGANIZATION STRUCTURE
HBFC is striving to be a responsible society and commercial sustainable housing
finance institute.

CAPITAL
State Bank of Pakistan (“SBP”) and Govt. of Pakistan (“GoP”) owns 90.31% and
9.69% shareholding, respectively, in HBFC.

Credit Rating
Upgraded rating is (AA-) takes into “ACCOUNT FAVOURABLE”
profitability indicators, consistent reduction in NPLs, low net infection,
comfortable liquidity position, strong capital adequacy.
FUNCTIONS
House Building Finance Company (HBFC) is the country's only real estate financing
institution. With regional offices and area branches spread all over Pakistan, the
institution aims at providing financial assistance to every Pakistani struggling with
housing needs.

PRODUCTS
Ghar Sahulat Scheme

ACHIVEMENT
ACHIVEMENTS ( NETWORK OF 51 BRANCHES)
 SWOT ANALYSIS
A “SWOT” analysis is a basic yet effective method for developing the business
strategy, whether starting a business or leading an established one.
Let’s take a closer look at each aspect of the “SWOT” analysis in the upcoming
sections.

Strengths of HBFC
 Large Network of Branches.
 Strong Consumer Banking
 Higher Customer Satisfaction
 High Employee Retention Rate
 Brand’s Goodwill.

Weaknesses Of HBFC
 No Rural Presence
 Limited Market Size.
 Underperforming Sectors
 Fluctuating Share Prices

Opportunities of HBFC
 Strong Fundamentals for Growth
 Increasing Corporate Banking Sector
 Efficient Debt Settlement
 Foreign Markets

Threats of HBFC
 Increasing NPA
 New-Age Banks
 Lack of Growth.
 Increasing Competition
 Increasing Foreign Investments
WAY FORWARD (CAREER)
 Facilities to Costumers
 JOB Opportunities
 Life at HBFC
 Internship
Conclusion
HBFC Group, a distinguished financial conglomerate, including performance in
dwelling finance, investment, life, and non-life protection, asset superintendence,
real estate funds, and teaching finance. The company is a great example of India’s
advanced housing finance corporation. Yet, even as a modernized private bank with
great customer servicing, they are suffering from multiple factors, such as a
weakening economy and increasing competition from both traditional competitors
and new-age digital banking.
Even the best brands can suffer at the hands of increasing competition in the market.
In the face of rising competition, impactful marketing becomes a necessity for the
company.