Professional Documents
Culture Documents
Habib bank Limited was established in 1948 . Habib Bank Limited was first
time establish with the family business in the name of the Mithabai Nathoo in
Bombay , First it was the steel business in the starting which is suited outside
of the sub-continent of the India. In 1981 The young Muslim was hire as a
employee in this business his name was Habib Esmail , He was very
hardworking young man , for his honesty an sincerity and devotion of hard
working he was not become the only shareholder of this business also he
become the president of that business .Habib Esmail has four children his name
was Ahmad Habib, Muhammad Ali Habib, Ghulam Ali Habib and the last is
Daud Ali Habib. The children of the Habib Esmail after get the education he
was change the name of that company into the Habib & Sons Lmited. After the
death of the Habib Esmail in 1928 the third son of the Habib Esmail hold that
company his name was the Muhammad Ali Habbib , He become the successful
business man and give the lot development in that company . In 1941 the family
business of the Habib & sons establish in the Bomby the first branch was opened
and also called the name of the financial institution from to steel business .In
the branch of the Habib & Sons the Quaid-e-Azam was the first person who
opened his personal account in this branch first time. At the time of
commencement. HBL was start with the paid up capital 2.5 millions. Quaid-e-
Azam was also impressed with the banking performance of the HBL and request
that the headquarter of HBL to shift into the Karachi.
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Habib Bank Limited is a banking company incorporated in Pakistan and related in
commercial banking services. The Bank’s ordinary shares are listed on all the stock
exchanges in Pakistan whereas it’s Global Depository Receipts (GDRs) representing
two ordinary shares are traded on the International Order Book (IOB) system of the
London Stock Exchange.
The Bank operates in four business segments:
1. Corporate finance
2. Trading and sales
3. Retail and consumer banking
4. Commercial banking
Corporate Finance
Corporate finance includes underwriting, securitization, investment banking,
syndications, initial public offerings (IPO) related activities (excluding investments)
and secondary private placements.
Commercial Banking
Commercial banking segment includes project finance, export finance, trade finance,
leasing, lending, guarantees and bills of exchange relating to its corporate customers.
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Mission:
Humanity :
We boost up a culture of collective / communal respect and treat with the customer and
all team members with humanity and care.
Integrity
Integrity also the value of the HBL . Integrity means the synergy and
collective team in one to achieve the goals. HBL focus on the integrity.
Meritocracy
Meritocracy is also the Value of the HBL , HBL create the meritocracy and
same system of the Human resource practices on the basis of the achievement
of the goals.
Team Work:
In HBL all employees work as a team member and provide the services to the
customer according to their need and demand and HBL also focus on the
collective goal achievement .
Culture of Innovation :
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HBL focus on the new ideas and gave the reward and honor as a recognition to
that person which was the source of help to change in the idea. After the
separation of the India and Pakistan here are many branches was opened in
Pakistan . HBL help the build and completion of the different projects like
WARSAK dam , and WAPDA project.
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Habib Bank limited. These achievement of HBL bank got through the provide
the good product and services in the market where operate it
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The products are the Habib Bank Limited are followings:
2.91- Savings accounts.
2.92- Current accounts
2.93 Foreign Currency
2.94 Terms accounts
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o Daily Munafa Account:
Daily Munafa Accounts includes the followings ;
o In this Profit calculated daily base and paid every month
o Daily munafa account is Special account for earn foreign
remittances
o In daily munafa account 6.17% profit annual
o In this account Profit paid on month base
o In this account required theMinimum balance of Rs. 20,000
2.92 -Current Accounts:
Current account includes the following accounts:
o HBL freedom Accounts
o HBL business value Accounts
o Current account
o Basic Banking Accounts.
o
o HBL Freedom Account:
HBL freedom account include the following :
HBL Freedom Account decrease the cost of inter-city transactions by
allowing free transactions using financial instrument such as pay orders,
cheques and fund transfers.
o HBL business Value account:
HBL business value account include the following :
o This account is Unique transactional for Businessmen
o In this Profit calculated on daily basis but paid every quarter
o In this account no requirement of minimum balance.
o In this account Funds transfer to any bank using the HBL
Phone Banking.
o Current Account:
HBL current account include the following :
o Rs 1000 is the Initial balance requirement for the current
account.
o Rs 10000 is the minimum balance requirement for the current
account .
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o In current account Profit cannot be calculated.
o Basic Banking Account:
Basic banking accounts includes the followings :
o Rs 1000 is the Initial balance requirement for basic banking
account.
o In this account no minimum balance requirement.
o In this account Profit cannot be calculated.
o In this account unlimited withdrawals through
2.9.3 Terms Accounts:
In term deposit account we can deposit your money for fix period of time and
earn profit of this secure money .
o HBL Advance Account
o Investment Plus Deposit
o Investment Banking
o Cash Management
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o Investment plus deposit account for Institutions
o In investment and deposit account Profit paid at maturity
o the Minimum investment of this account of PRs. 20
million**
o In this account Withdrawal at end of fixed term
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HBL help to get the car by simple process through the good remarkable sevices
car loans include the different features,
o On the basis of your choice which you will get the car local or imported
o Depend on the payment length up to 7 years
o Up to the 85%of financing for the car which you are get from loan
Home loan :
HBL provide the facility of the home loan through this loan you can purchase
the new house or repair the existing house .home loans.
Personal loans :
Habib bank limited provide the facility of the personal loans to its customer we
can get the cash in the form of the cash through habib bank limited according to
their need .personal loan include the following features.
o Processing fee for the approval of the loan
o Payment process within the 12 to 60 months
o The amount of the loan is 25000 to 2000000
o Personal loans are free life insurance
Bancassurance:
Habib bank limited and new jubilee life insurance company introduce the
bancassurance it include the Amaan (retirement plan ) and Tabeer ( marriage
and education plan) in retirement pension plan HBL provide the facility for
growth by the post retirement income benefit. On the other hand tabeer is the
plan in which HBL provide the facility to the parents to the child and give the
lump sum amount for the purpose of the education and marriage for the period
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o Mobile Banking
o Phone banking
o Debit card
o Credit card
2.12.1 ATM
HBL provide the service of the ATM .its include the following.
o Cash withdrawl
o Information of the account inquiry
o It is a mini statement
o Funds transfer
o Utility bill payment
2.12.2 Internet Banking:
HBL provide the sevices of the internet banking it includes the following,
o Funds transfer
o HBL credit card bill payment
o Cheque book request
o Utility bills payment.
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2.12.6 Credit Cards:
HBL provide the services of the golden cards and green cards. Minimum
amount of the golden cards is 15000 and maximum amount is 50000. In green
credit cars minimum amount is 20000 and maximum is 149000.
Head Office:
HBL Plaza
1.1 Chandigarh Road
Karachi -75650, Pakistan
Phone: 021-32418000 (50 lines)
Fax: 021-39217511
Registered Office:
4th Floor, Habib Bank Tower
Jinnah Avenue Islamabad, Pakistan
Phone: 051-2872203 & 051-2821183
Fax: 051-2872205
National Tax Number: 0698187-
National Branches:
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City Name Branch Name
Attock City Branch
Bhakkar Main Branch
Bhalwal Liaqat Shaheed Road Branch
Chakwal Railway Road Branch
Chiniot Circular Road Branch
Faisalabad Circular Road Branch
Samanabad Road Branch
Narwala Road Branch
Gujranwala Gondlanwala Road
College Road
Khokharke Khiali Shahpur
Qilla Didar Singh
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Rawalpindi Raja Bazar Branch
Faiz Abad Branch
Sialkot City Branch
Samundri Ghalla Mandi Branch
Sargodha Fatima Jinnah Road Branch
Sheikhupura Railway Road Branch
Skardu Main Branch
Toba Tek Singh Main Branch
Wah Cantt Wah Cantt Branch
Wazirabad Main Bazar Branch
Regional Office
Zonal Offices
Branches
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3.5 Organizational Structure of the Habib Bank Limited:
Chairman
Board of Directors
Vice President
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3.6 Board of Directors of the Habib Bank Limited:
Name Designation
Sultan Ali Allan Chairman
Zakir Mahmood President and CEO
Iain Donald Cheyne Director
Sajid Zahid Director
Ahmad Jawad Director
Mushtaq Malik Director
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Zafar Aziz Usmani Group executive Human resource and
organizational development
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3.8.4 Remittance Department
3.8.5 Cash Department
3.8.1 -Clearing Department:
Clearing department is most very important, because in this department
sometimes cheques are drawn on one bank and holder deposits the cheque
the same in other bank for the purpose of the collect of the amount clearing
means the deal of the transaction between the banks.in the clearing house
different functions are performed in this department
Inword clearing :
In inword clearing the cheque is drawn in one bank to other bank and the
customer in this process just receive the amount.
Outword Clearing:
In outword clearing the cheque is send to the clearing house for the clearing and in this
deparment the amount is fixed payment to the bank on the behalf of its customer.in this
clearing proper schedule are prepare and attach the pay in slip as a separate document.
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o At the time of the account opening it is necessary that the customer is present
there.
o 1000-5000 amount is required for the account opening and this amount is
depend upon on the nature of the account.
There are some formalities which is required for the account opening.
o Formal application .
o Obtaining introduction
o Signature specimen
o Minimum initial deposits.
After opening an account the cheque books or ATM’s issued to the customers
3.8.3 Credit Department:
1. Credit department is the most department in the banking sector because the
main purpose of the bank is to collect the money to the wealthy people and
further get these money in the form of the loan to the needy people as high
interest rate, basically the credit is the major factor of the bank earning ,The
major function of this department to minimize the risk for the bank by using the
credit policy . The credit department when the give to the loan to the other then
he keep in mind of the characteristic of the risk First he check out the character
of that person investigate the all relevant information collect about that person.,
second that the collateral of that person which is give as a security on the behalf
of the loan , Third the check the capacity of the borrower asset and liabilities
who repay the loan or not , fourth check out the financing and economic
condition of that person which is effect the loan repay or not.Further the HBL
provide the advance loan to its customer it includes the Over Draft, Cash Credit,
Demand Loans, Agriculture financing , Staff Financing
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.3.8.5 Remittance Department:
Demand Draft:
branch requiring and pay the some specific amount of that person who
Demand draft is the draft which is use to sent the money from one place
to another place is called demand draft , in which the one branch is
issuing the draft of the other send the draft.
Pay order:
Pay order also the source of the transfer of the money from one place to
another.in pay order money is transfer with in the city .
Mail Transfer
Mail transfer is also the source of the money transferring , by using of
the mail transferring the customer fill up the form and dispatch the
money with form the bank also get the money as commission and send
the money to other.
Telegraphic
Telegraphic is also the source of the money transfer . In telegraphic money is transfer
by the telefax the customer also fill the form and give the detail of the place then the
bank get the charges and sent the money.
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Maintain Balance inquire, Product inquire, Transaction history, Statement requests,
Cheque book request, Stop payment, Pay order / DD request, Balance certificate, Fund
transfers , A/ C maintains, Verification / generation / change of TPIN numbers, Utility
bill payments.
Habib bank limited branch, recorded the all transections which is done by daily,
weekly, monthly basis and maintain the proper record of each transection The following
are the important statements prepared by the account section: -
• Balance sheet on daily basis.
• Pak account on daily basis.
• Provisional income and expenditure statement on monthly basis
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.10.1 Finance Department Hierarchy:
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Introduction of the Habib Bank Limited:
(Pakistan chowk branch Gujrat)
I Worked as internee for six week at Habib Bank Limited pakistan chowk branch
Gujrat. This branch of bank is cover the all area which is near to the Jail Chowk ,
Kashmir Pura , Jalalpur Jattan road , Bhimber Road .
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5-HBL Pakistan chowk branch Structure:
Branch Manager:
Shabir Hussain Shah
Operation Manager:
Muhammad Usman
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5.1WORK DONE BY ME:
.Shabir Hussain Shah is the branch manager of the Habib Bank Limited Pakistan chowk
,Branch Gujrat. Operation Manager Muhammad usman is the supervisor during of my
internship period. Muhammad usman operation manager guide me each and every think
about the bank which is become the source for me in internship. examine that during
the internship period of six week when the branch manager is not present in the bank
then the operation manager hold the full control of the bank .
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5.4 Weekly Timetable:
Time
period: Timing: Working: Supervisor: Duties
Performed:
Week 9:00AM Account Waqas When I enter
1and 2 to 2:00PM Opening : Nadeem the HBL bank
for internship
then I am
spent the first
2 week to
Learn about
account
opening .
Week 3 9:00AM Filling the Waqas During the
to 2:00PM deposited Nadeem internship of
slip week 3 I
learned about
the filling the
deposit slips
filling process
and process
the deposit the
money into
the bank.
Week 4 9:00AM Filling the Kamran Ali: During the 4
to 2:00PM Cheques week of the
internship I
am lean about
the process of
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the cheques
fillings,it
include the
name of the
account
holder, date of
the presented
day and sign
one sign at the
bottomand the
2 sign at the
back side of
the cheques.
Week 5 9:00AM ATM card Muhammad During the
to 2:00PM issuing Faisal: internship of
process: the 5 week I
am learn about
the ATM card,
process of
ATM card
issuance to
cutomer ,it
include the
filling forms
,activation and
charges which
is cut again
this card.
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Week 6 9:00AM Verify the Muhammad During the last
to 2:00PM document Usman week of my
internship the
operation
manger allot
the work to
verify the
document of
the earlier
open account
of any type
like utility
bills . my
work is that I
am verify the
stamp of the
staff of that
accounts .
(2014,2015,2016)
Current Ratio:
= Current asset /current liability
2013 2014 2015
Current ratio 1.09 1.09 1.10
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The current ratio of the HBL for the year 2013,2014and 2015 is show the
increasing trend because the amount of the current asset is increase to pay the liabilities
each year.
Quick Ratio:
= current asset – inventories/ current liabilities
2013 2014 2015
Quick ratio 1.09 1.09 1.10
The quick ration of the Habib bank limited for the year 2013, 2014and 2015 is
show the good performance of the bank because each year increase the current
asset to pay the current liabilities.
Debt Ratio:
=total liabilities /total assets *100
The debt ratio of the Habib Bank limited company for the year 2013,2014,and
2015is show the decreasing trend because year the HBL bank has more total
asset to pay the debt.
Net profit margin ratio:
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The net profit margin rartio represent that how company earned the profit until the
revenue the net profit margin of the HBL is show the good performance of the bank
and show the increasing trend .
Return on Asset:
=(Net Profit /total assets)*100
2013 2014 2015
Return on asset 1.46% 1.76%% 1.91%
ratio
Return on asset ratio provide the help to how management is using its assets to
generate earnings. The return on asset ratio of the HBL bank is show the decreasing
trend for each year yhis is the indication that the earing of the babk is low and the debt
of the bank is high.so this situation is not good for bank.
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LLiquidity /solvency ratios;
Earning per share is the indication of the worth of the share of the bank
.it is very important for the investor point of view because this ratio tell
us the earing of the investor per share of the bank .The earing per ratio
of HBL show the increasing trend in 2014 as compare the 20013 and in
2015 show the decreasing trend as compare to the previous year.
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The price to earning ratio is the indication of the how much price we will pay and how
much price earn against the paid of amount . if the price ratio is higher then the market
share of the company is higher. The price earning ratio of the HBL bank is show the
increasing trend each year as compare to the previous year.
7- During my internship I dealt with many customers and employees,
this was a great experience to learn.
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Good mangment is the Strength of the HBL
Product innovation & resources.
Good private bank in the Gujrat.
Pakistan chowk branch hire the well experience employees.
Provide the ATM services.
Good Relation the manager with employee of the Pakistan chowk
branch.
Weakness:
The HBL chowk Pakistan branch ,the deposit is less because there are
already 6to7 branches in Gujrat.
Less customer feedback due to the branches are more in the Gujrat city.
In Chowk Pakistan branch the employees are not satisfy by this job.
In this branch female employee are not worked .
Online banking system is not available because it is not the main branch.
No proper marketing skills available in this branch.
Lack of proper research & development in this branch.
The management of this branch not proper use the i.t facilities properly.
Opportunities:
The opportunity of this branch to introduce the new product in this
business.
The Pakistan chowk branch got the opportunity to take interest in the
market segment.
Opportunity that to increase the banking hour to facilitate the customer.
Improve the online system and minimize the risk .
Increasing the ATM locations.
Threats:
Day by day increasing in the number of the branches of banks in the
area of Gujrat.
Political intability of the Gujrat city.
Lack of technology
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Increase the competition due to existing the more branches in the
Gujrat.
Conclusion:
HBL was establish in 1941 in Bomby at first time . At the time of the
independence the condition of the banking sector is very poor and no proper financial
institution in sub-continent . In 1941 the branch of the HBL was opened in India first
branch. Quaid-e-Azam was the first person who opened his personal account in this
bank , After that the HBL perform the banking activities in India . HBL perform the
banking operation speedily and become the goof financial institution in the
subcontinent.
Quaid-e-Azam was also impressed with the banking activities of the HBL and request
that the shift the head quarter of the HBL from Bomby to Karachi. So HBL perform the
banking activities in Karachi in Pakistan .In1974 HBL become the nationalized the
commercial bank and perform the banking activities at international level and its
branches operates at national and domestic level. There are almost 1420 branches of
HBL operate in domestic level and 55 branches operates at national level . Throughout
the HBL start the credit policy and giving the loans to the customer .HBL provide the
loan for the completion of the projects of the Pakistan like WARSAK &WAPDA. And
HBL provide the services to its customer like ATM ,online banking etc.
Recommendations:
HBL Pakistan chowk branch need to improve your marketing plans for the
awareness of the customer.in Gujrat.
HBL chowk Pakistan branch try to enhance the increase the online facility .
HBL need to try the good and strong relationship with customer by getting the
feedback.
Pakitan chowk branch need to improve the dressing style of all employees.
Increase the employee motivation.
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