Professional Documents
Culture Documents
University of Gujrat
Internship report submitted to the Faculty of Management& Administrative sciences in partial fulfillment
Signature-------------------- Signature-------------------
UNIVERSTY OF GUJRAT
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Acknowledgements
Firstly and foremost thanks to ALLAH Almighty for His protection and wisdom given to me to done this
work. I acknowledge the help and support given to me by my parents, teachers and particular Mr. Sarfraz
Ahmad branch manager and supervisor of my work Mr. Naveed Ahmad to completion that internship.
Nobody is perfect in this world; every one takes helps from others I also recognize the help and support of
my family members, friends, and at each and every step of life. I also acknowledge the efforts of my
teachers whose guidelines are always a light in the darkness. I am very thankful to all of these people who
Dedication
I like to dedicate this report to my parents, the manager Mr. Sarfraz Ahmad and the supervisor Mr.
Naveed Ahmad whose help and support very important for me.They helped me during my internship
work very well. I appreciate their help and dedicate this report to them.
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TABLE OF CONTENTS
1. Introduction -------------------------------------------------------7
1.1 Overview--------------------------------------------------------7
1.1.1History -------------------------------------------------------7
Vision &mission--------------------------------------------------8
Values of HBL----------------------------------------------------8
5.2Line of services------------------------------------------------10
2.2.4.1Structure of HBL----------------------------------------12
2.2.4.1.3 Employees-----------------------------------------------13
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2.5Internee work-------------------------------------------------16
2.5.4 Departments-----------------------------------------------19
2.5.5Description of departments-----------------------------19
2.5.6.5Remitences application--------------------------------24
2.5.6.5Cost memorandum-------------------------------------25
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2.6Summary of learning-----------------------------------------26
3. Conclusion-----------------------------------------------------28
4. SWOT analysis--------------------------------------------------30
5. Recommendations ----------------------------------------------30
6. Appendix----------------------------------------------------------50
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Executive summary
I have made a lot of struggle to complete the internship in HBL. Because theoretical work is not a
importance until we have not done the work practical. Our all effort will incomplete whenever we have
not convert this studies in to practical work. I am a student of B. com (hons) at University of Gujrat in 7 th
semester and I did the internship in HBL bank to learn how we practically done in professional job. I have
done my six weeks internship in Habib bank limited Branch in Wazirabad near kachehry. I have divided
my internship report into two different parts. Firstly part consists about the organization from where we
did internship work.in first part also describe the history of Habib bank limited, nature of organization,
and different services are providing to its customer.HBL achievement and rewards are mentioned in first
part of the internship report. Introduction of all departments are also described in first part.
In the last part of the internship report includes all those activities which we are done during my internee
work. Introduction of the organization where I got internship also describe about the supervisor of my
internee work. Weekly time table, swot analysis, conclusion and recommendation are described in last
Introduction:
As a student of B.com(hons) there are necessary for all those students of business administration at
university have complete a six weeks internship report in any organization like banks, communication
companies ,beverages companies, textiles sectors etc. Therefore I have done six weeks internship in HBL
main Branch Wazirabad. After the completion of internship there will be necessary for students to submit
the internship report in soft form in the department and also submitted a hard copy of that report. And
from this report the panel take viva and there will be your responsibility to appear before that panel.HBL
is more stable than other banks and major competitors of HBL in Wazirabad. Like UBL, NBP,MCB etc.it
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have also more number of branches in Pakistan and Wazirabad than any other banks.Hbl is providing
more number of line of services to its customer than National bank of Pakistan and other private banks
that are operated in Pakistan and in Wazirabad HBL main branch consists of twelve members that work
daily.
1.Overview of HBL:
1.2.1History:
Habib bank limited was established in 1947 in Bombay (Mumbai) then the head quarter shifted to
Karachi and started its operation in Pakistan properly. And now this time Hbl is the leading bank of
Pakistan in privates’ banks that are operated in Pakistan. Hbl is also providing more services to its
customer as compares to others banks. More preferable and safe bank for the customer. This bank also
providing services across the country like in Singapore, oman,Usa et.Habib bank become a largest
domestic branch of Pakistan and its network also increasing day by day.at the end of last year it has more
than 1500 branches and more than 1000 ATM machines at different places of the country and Kashmir
region. And also increasing its operation other countries. Habib bank also achieved many awards in last 5
years.in 2014 it got the awards of most safe bank of the Pakistan. Habib bank 40% share domestic that are
The Bank's towering presence in Pakistan's financial and commercial life has remained unchanged over
the decades. The strength of its brand and image is symbolized by its prominent Head Office building that
has dominated Karachi's skyline for35Years. Habib Bank. imited (HBL), in its current location, it has a
long and rich history. It was all this possible at the expense of continuing efforts. In 1841, a family owned
company was founded as the Khoja Mithabhai NATO in Bombay, which has been dealing in the steel
In 1891, a young Muslim Lad Habib Ismail go a job t in this company and due to his hard continuous
hard work at the age of 18 he became the president of the company. He has four children named Ahmad
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Habib, Muhammad Ali Habib, Daud Habib, and Ghulam Ali Habib. When the children grown up and
complete their education they were induced in the company’s business which was named as Habib & sons
After the death of their father, the four sons take care of the whole business. Mohammad Ali Habib was
younger and rank third in the age but was the most intelligent among his brothers and a successful
businessman. At that time there was no Muslim Bank in the Sub-Continent. Habib family established the
first financial institution of the Muslims with the name of “Habib Bank Limited” on the 25th August
1941.
In the 1950s, the HBL started its international banking by opening its branches in other countries. In the
year of 1951HBL opens its first branches in Sri Lanka and then two more branches were opened in Sri
Lanka. Then in the year of 1956 HBL opens its first of five branches in Kenya.
Habib Bank moved its headquarters to Karachi, which was the Pakistan’s first capital, at the influence of
Governor General Jinnah. This gives Karachi its first commercial bank of the newly formed Pakistan. The
Habib family own and manage the bank until the Pakistan government nationalized it on 1 January 1974.
HBL closed operations in England in 2002 because of regulatory issues with the Financial Services
Authority. The issue is resolved by transforming the operations of a subsidiary. Then Habib Bank
participates 6 branches with the bank allies who share his 4 branches and the banks of the merger together
and formed Habib Allied International Bank in any Habib Bank was carrying 90.5% of the shares of the
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bank and holds the Allies share of 9.5% in the United Kingdom (England).Allied Habib bank had shifted
their operation in New York, they closed their operation activites in United Kingdom under the name of
Habib- Allie International bank. Habib bank got the permission to open a branch in Afghanistan in the
year 2003.
HBL is the largest bank in banking sectors of Pakistan and azad Kashmir with more than 1500 branches
and more than 1000 atm machines at different location in the country and Kashmir region.. HBL is the
most stable and fastest banks transaction in Pakistan. Habib bank Limited’s slogan “Jaha Khawaab Wahan
HBL” means if you have dream in your life then Habib bank will help you to achieve these dreams and
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Vision Statement
Hbl most popular bank among all the private banks that are operated in Pakistan and Kashmir.it is
emerging as the strong and successful bank in international financial institutions providing set of services
Mission Statement
To make our investors(s), our staff excel and to create value for our shareholders.
Values of HBL:
Our values are based upon the fundamentals principles that define our culture and brought to life.
Integrity:
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Integrity means a coordination that secure our core values. That unites us with integrity and share values,
Customer focus:
We need to understand fully needs of our customers and adopt product and services to meet these needs.
Merit accuracy:
We have designed a consists system of merit accuracy at every level. Then we are able to achieve a
Team work:
Hbl team struggle to become a powerful and unified force that offer the customer a line of product and
services beyond their expectations. This force is drived through collective efforts. And that clears the
Habib bank is providing various types of services to its customer. Like credit cards services, debit cards,
Atm cards etc. Customer also transfer their funds from one place to another very quickly.it working in
bank. Habib bank a lot of services to its customers to meets their needs carefully. For example, account
opening, credit cards, debit cards, atm card, loaning schemes e.g. employee loan, student loan etc.
Customer also transfer funds to different places by using the facilities and services given by the hbl. Bank
also providing the facility to their customer to deposits their utility bill expenses.
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Habib bank is consider as the leading bank in private banks that are working in Pakistan and Gujranwala
region. Customer satisfy by deposits cash .because it is more secure bank in all privates’ banks in
Pakistan. This bank have many branches than other private banks that are working in Pakistan. Now
presently the 40% market share are the Pakistan. The 55% share are the foreign remittances Habib bank is
the most stable bank of Pakistan Their assets are also goods.habi bank also provided more services than
other banks.it has more than 1500 branches and more than 1000 ATM machines that are located in all
over Pakistan and Wazirabad 55 branches across the country. From the last 5 years Habib bank achieved
consecutive awards that show the progress of the bank. Last awards that are achieved by the bank was in
2014, because it was emerging bank of Pakistan and best trader of finance and safe bank of Pakistan.in
2013 the bank was awarded different awards according to their performance, that are following best
foreign exchange of the Pakistan. Best trade of finance and best Islamic window.in 2012 the bank was
awarded five awards that are the best trades of finance, best emerging bank, most stable bank of Pakistan
in all most valuable awards was that state bank awards also given to this bankcards of home remittances
In 2011 Habib bank won the awards of world’s best trade of finance bank in Pakistan. And the other
Although the Habib bank is the leading bank among privates banks. Therefore providing more products
and services than any other bank. Bank also providing the facility of ATM machines. Although the Habib
bank is the leading bank among privates banks. Therefore providing more products and services than any
other bank. Bank also providing the facility of ATM machine Habib bank is offering so many product/
services to its customers most than any other bank in Pakistan Although the Habib Bank is the leading
bank among privates banks. And thus provide more products and services than any other bank. The Bank
also provides facilities of ATM Habib Bank offers a lot of products / services more than any other bank in
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Pakistan to their clients. Habib Bank Limited is to provide ATM services to its customers across the
It is most important instrument of the management for any business to create a better customer service to
achieve organization objectives and goals. Because now in that era technology rapidly change the
environment therefore competition increases at global level between the international companies to meet
the diversification needs of customer. For markets completion meet the buyer interest and need and used
micro competition. Therefore there are many factors that affect the result of companies to meet these
2.2.2Political environment:
There are many political factors that affect the companies’ progress towards achieving their goals and
meet customer needs and wants. These political factors include political instability, new government
applying new terms and conditions on the companies that must follow to operate in the country therefore
These are the objectives of the banks that must follow to secure in that type of envoirment
2.2.1Economic environment:
There is most important factor of any organization the economic conditions. Any country Eco my
describe its stability but we are live in Pakistan in which every government imply its own policies in
Pakistan tax rate increase day by day which weak the economy stability ,because the previous
government imply most tax almost 21% but the present government decreases the tax rate and now
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Present government economic position a little is better than previous government but there is also a main
problem with that government that because this govt taking loan from IMFin very huge amount that is the
record amount in Pakistan histry.in reality the intrest rate decrease not beneficially for the bank but the
other hand country economic position stable and more people come in the markets for investment.
Inflation rate
Interest rate
Budget deficit
Exchange rate
2.2.3Social environment:
A society is established on the norms, values, belief that are most meaningful for any society. People
interact with the society while through sensible and insensible, individual, organization, company etc. For
the banking sectors there will be most important to study the norms and values of the society and operate
their business according to that norms. Because we prepare the report on the hbl therefore we studied
about their opertaions.habib bank operates across the country therefore necessary for the hbl to learn the
norms and values of that country that involve demograghic,ages,how much percentage of young and
old ,age groups of married and unmarried people although the hbl is leading institution in almost all over
the Pakistan and also in Kashmir hbl is the most stable and safe bank and its branches are more than other
banks in azad Kashmir region particular in Muzaffarabad. There is a reason that why people prefer to
open a account in HBL because every one easily access to hbl banks
2.2.4Technological environment:
Technology is the key factor for any institution because it has great effect on the people lives. The
technology changes people living standard also increase the completion between banks and other
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instituting all over the wordlike in past in banks the manual system use4d when technology not
occure.now there is the facility of internet and all small and main branches started with operation through
internet.it is the technology that in past every bank should maintain the ledger of each transaction on daily
bases now this task done by the head office. On side technology easy the work but there is also increases
risk.in Muzaffarabad hbl used better technology to full fill the needs of their customer.
We know that there is a strong relation between economic and financial sector that performance effect on
the development of any organization. The countries which have strong economy position that nation are
more flourished and developed. These performance of the country only achieved if our banking sector
will be strong if not than these country go into the back. Habib bank is the largest banking sectors than
any other private banks that are operating in Pakistan .therefore this bank providing more than 1600
branches in Pakistan and across the country. Habib bank have a leading assets as compare to other banks.
Because Habib bank investing their finance in indirect projects like loan, and take the profits on that loan
that are the reason Habib bank involved to strong the economic position of the country.it is another task
Chairman
that the HBL performed is that a number of employees worked in the Habib bank that reduced the
Senior Executive
Vice President
Executive Vice
President
Vice President
2.2.4.1.1 Organizational Hierarchy chart:
Assistant Vice
President
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organizational development
Jamil Iqbal Chief compliance officer
Salim Almani Group Executive Audit
Tulu Islam Group Executive IT and Systems
Kashif Shah Group Executive Investment Banking
Nausheen Ahmad Company secretary and head
of law
Sohail Malik Group Executive Risk Management
Nauman K.Dar Group Executive International Banking and
5.3.6Management detail:
Every organization has some Departments either it is manufacturing or service organization providing
organization. This department works independently for achieving the organizational. Like there are many
2.4.1Deposits department:
Deposits are very important for the banking sector like the back bone of the bank. Banks in this section
take money from the individual and public institutions accept the payment and then after that when the
check is drawn on them. People deposit extra money in banks used their money for different purposes like
made loaned are giving loan for different purposes and then depositors pay some amount of money as
interest / profit. Whenever the customer want money he draw the cheque and get the money bank, and the
banking pay money to depositors. For this purpose the depositors to open an account in this bank in
particular.
2.4.2Cash department:
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The cash department linked with the cash collection their task is to collect the money from the customer
and payback to the customer whenever he want to draw the money for this purpose he should write the
chqeue and drawn the money from the bank. This department is responsible to secure the money of the
customer and payback at the time with intrest rate whenever the account holder required the cash.
2.4.3Clearing department:
That department responsibility to manage the cheques that are deposits by the customer which include the
bank branch cheque and other banks .which the customer deposits in their accounts. These all cheques
cleared through the NIFT.because this organization task to collect the cheques off all branches and clear
This institution worked under the state bank of Pakistan.e.g the MCB cheque deposits the customer in the
his account that is opened in HBL bank then this cheque will be clear through the NIFT and after the
clearing from Clearing is the department whose is responsible for the clearing the cheque i.e. if a person
submits a check of MCB in Habib bank limited the clearing department of Habib bank will send this
cheque to NIFT and if NIFT clears the cheque then Habib bank will be responsible pay to that particular
person. NIFT is an institution which clears the cross cheque i.e. cheque of MCB drawn on Habib Bank
limited will be cleared by NIFT and clearing department of the bank will send that cheque to NIFT and
2.4.4Remittances department:
That department resplonsilbilty of transferring the funds from one bank to another. Now presently every
bank that are working in Pakistan and all over the worlds trying to provide this facility its customer.so this
facility is more beneficial for the customer because this saves a lot of time the customer.in this era time is
the most important thing in our lives. Every one become busy in their tasks, and not a little bit time for
deposits and receives itself. Habib bank is largest remittances provider in the Pakistan than others bank to
its customer.
2.4.5Finance department:
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This department has more value in any organization. Because it is responsible for allocating the resources
from the customer, loan borrower etc. This is the back bone of banks.an organization will be more strong
if their finance department performance good. This department raised the funds whenever bank require to
execute their tasks. Habib bank have the stable and strong finance department that is the reason it is the
That department have its own value for organization/banking sector. This department has responsibility
providing the labor force to organization for the purpose of executing the operations. That department hire
the employees for their organization.by the process of recruiting, selecting and retaining and from this
process select the best one employees for organization. That are beneficially for the organization in future.
Because we selected that employees that exist in the market and also aware the usage of
technology.theirfore the Hbl also have a department of human resource to compete in the markets.
Every business want to hire the best employees that are profitable for the organization and give good
response. Sometimes hbl require the employees for the bank they give the responsibility to their human
resource department to hire the best employees that work efficiently to achieve the organization goals
and objectives. This department used different policies to hire the employees. Which are done firstly
through add. On this the job criteria mentioned. This add. Include all things that are necessary for the
2.4.7Marketing department:
That department purpose to promote the organization brand image in the customer mind. The main
purpose to collect the authenticate information about where the new branch opened, while there is any
need of that bank in that area. For collection of these information there are many process used like
survey,interview,observatuion,etc.markintingdepartmentthe4psproduct,price,place,promotion.this
department also duty check the customer needs and wants fulfill by this branch or not.
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Habib bank head by the chairman and further made a board of directors that set the goals and objectives
of the organization. There are most senior executive vice president, vice president, assistant vice
president, who promote and implement the stratigies.and the further the clerical and non-clerical staff.
Each task and responsibility elaborate with detail to every member of board of director.
Every member put his whole effort to achieving the organization goals and objectives. Habib bank is the
leading bank in all banks in private sector. The Habib bank has more assets and stable bank because it
providing more product and services to their customer’s also see in treat main branch of HBL in
Wazirabad there will be no proper time for launch for the employees and rest during the namza jumma.
It is second portion of my report. Which is most important part of our internship report.in this section the
internee mentioned all the work and activities perform during the internship?
Name of the branch: Habib Bank limited main branch Sialkot road Wazirabad .
Branch code:
PA/NO:
I have done my six weeks internship in Habib bank main branch of Wazirabad that are situated in
Kachehry choak Sialkot road of the city. There are also many other banks situated in the same area like
MCB, UBL, NBP etc. Therefore all branches in that area are known as bank road branches The branch
building is new. But it is double story the upper floor deal with loan activities with Manager room while
the ground floor consists of cashier, Operational manager and the money stock room. The branch consists
of almost sixteen persons included four securities guards and also a person from Jubli insurance company.
This branch is more than 12 years old. The deposits of this branch are more than other banks and HBL are
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most safe bank for the customer. There will be easily access to this bank of the people and they easily
submitted their utilities bills, scom, and others. This branch of HBL providing all facilities and services to
its customer.
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Date Name of Department Activity
1-08-2015 Clearing Department Stamping of cheques
3-08-2015 Clearing Stamping of cheques 22
4-08-2015 Clearing Department Inter-city
5-08-2015 Clearing Department Inter-city cheque
and entries
11-08-2015 --------------------------- Inter-city clearing
cheques
13-08-2015 ---------------------------- ATM & Cheques
accounts cheques
19-08-2105 ---------------------------- Transferred transaction confirmation
PA/NO: 11444
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My internship supervisor was the manager and remittances employee of the bank and the name of the
manager is Sarfraz Ahmad and the remittances employee Naveed Ahmad it is also supervisor of my
internee work. The age of my supervisor is 48years old. I prefer to do the internship in that branch of
HBL because it is the main branch of Wazirabad therefore its resources are more than the other small
branches and its safety of customer resources are more. I selected that branch there are more knowledge
to learn for me. He is a good and cooperative person and their behavior and attitude with us are very
good. He is a good guardian for us because he guide me in every activities of the institution. He guide me
I have done different activities given to me during my internship period. This branch is the main branch
of the Wazirabad therefore a lot of work done daily. There are many transaction occure on daily. Much
time consumes to deal the customer. Because now a days different cheque of different branches deposits
to the customer accounts. The branch is main so there are many cheque deposits on daily bases the
weekly time table on which I have performed work during six weeks internship.
Naveed Ahmad:
I have worked different departments during my internship period. Account department loaning,
department. General department almost these are all department work in that branch there also many
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banks that work under Hbl bank they done their transaction through Hbl so I prefer to work in all
departments to get knowledge about that departments and practical work. Therefore in that branch
sometimes many customers came for that transaction in this situation the supervisor assign tasks to done
so I performed that tasks carefully. The manager and the operational manager only handled the tasks
outside the bank and if problem faced by the management they solve that problem. This is the main
branch of bank in city so there are all departments work to meet the customer needs with efficiently.
2.5.4.1Deposits Department:
Deposits department is most important part for any bank or financing institution because people deposits
money which they have in large amount or when they have money in spares. After the collection of this
amount the bank give interest on that amount after a period. Because the bank utilizes that amount in
other projects to generate money from that investment. The bank also uses that amount by another
purpose like giving loan to the people and charge amount against money. After a time whenever they need
they draw the money from the bank with interest.in this also different kinds of customer who have
different demands on their deposits some want interest with high rate and some want interest in low rate.
whenever the customer want money they draw the money through cheque.but this facility only given to
the current account holder not saving account holder because if they want money before the fix date then
It is most important department of financial organization. The deposit department takes money from the
people who have money in huge amount and these people want to deposits in banks for taking intrest on
it. After a time whenever they need they draw the money from the bank with interest.in this also different
kinds of customer who have different demands on their deposits some want interest with high rate and
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some want interest in low rate. whenever the customer want money they draw the money through
cheque.but this facility only given to the current account holder not saving account holder.
Types of account:
Current account:
Saving account:
Freedom account
Types of account:
1) Current account
2) Saving account
2.5.4.1.1Current account:
Normally current account used companies. Businesses firms etc. because there is no term and condition to
draw the cheque in the current type account. But there is some charges on the current account means that
your amount cannot be decrease from the average amount on monthly bases if the amount less from the
average amount then the account holder bear the penalty of RS.60.
If the account holder cannot increase the balance in the next month then this penalty also imply further
and so even the customer the deposits the money in the account. When the all amount in your account
deducted and your balance reached minus then after six month your account will be blocked. There is no
deduction of zakat on the current account. The code of current account is 03 at the last of each account
holder number. There will be no profit gain by the customer from the current account.
2.5.4.1.2Saving account:
The saving account is used by people who want to get profit on their cash. The saving account code is 01
at the last digits of each account. There are deduction of zakat on the saving account with a particular
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percentage that are implemented by the govt. only zakat percentage is deducted no other conditions imply
This type of account is opened with a minimum amount of 25000 rupees and this averages amount cannot
be decreases from 25000 rs. If decrease then the account holder bear the charges on it.beacuse on freedom
account the bank provides a lot of facility to its customer like if the customer deposits cash in his account
then the bank cannot take the charges on that deposits but the government tax only deducted on that
deposits. Because instead of freedom account other every deposits the account holder bears the charges of
Freedom account holder get the cheque book, ATM card and cheque transfer free. Other type of account
holder endures the charges of 580 rupees for the transfer of cheque across the city but local cheque
transfer free means the cheque that are transfer to the same city where the bank operated for all type of
account. Always keep in mind whenever you done the entries of account of any persons first of all done
2.5.4.2Cash department:
That department responsibility to manage cash and counter of the bank. This department responsibility to
collect the cash from the people from the people, account holder, etc. And treat differently like the
account holder cash credit its account and other person deposits money for different purposes it may
deposits money to pay its utilities bill, telephone bills, challan etc. and it may be deposits money to the
other person account. When the account holder deposits cash in his account the employee credits its
account and when the person require the money they will write the cheque and take the money from the
bank. After taking the money from the bank its account will be debited.
2.5.4.3Clearing department:
This department responsibility to deal the cheque of the customers. For example if a person deposit the
cheque of NBP, ALLIED, UBL etc. Then this cheque given to employee of NIFT (national institutions
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facilitation technology) this person give that cheque to the prescribed bank. After the clearing from that
branch the NIFT clear that cheque when this institution clear the cheque then there will be no the excuse
behind to credit the account the next day the total detail of clearing cheque and bouncing cheque NIFT
There will be the future detail of clearing the cheques. When bank impose cross stamp on the cheque then
this cheque now in the custody of bank .and this cheque will remain the piece of paper for the account
holder after imposing the crossing stamp on it.some cheques clear and credit on the same day but only
those branches which have the member of same day. The other important thing is that the same day
cheque only credit if the branch is operated in same city not across the city.sameday cheque charges are
also more than other than other cheques and amount also above from 100,000.because I do the internship
inWazirabad then the same day cheque only accepted and credits of that city banks cheque not across the
city. But overall same day cheque most critical account because its account number start from the 0042
means this account opened in head office branch Karachi. This type of cheque immediately punching
before the NIFT employee came in the bank. If you not punching the cheque before the NIFT worker
came then the problem raised for the prescribed department due to not credits the account same day.one
thing always kept in mind that first debit the account and then credits the other account
2.5.4.4Remittances department:
That department directly linked with the state bank and other banks this department performed the duties
of transfer funds of the customer from one place to other in Pakistan. now a days because technology
increases.in that branch where I worked the remittances officer is Naveed Ahmad. There are two kinds of
remitenecs.one is inward remittances which include the transaction that occur from foreign to Pakistan
.the people worked across the country when they transfer money in Pakistan that remittances are called
inward remittances another types is transferring of funds in Pakistan from one city to another.
2.5.4.4.1Demand draft:
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This draft mostly used by the persons which have no account in the bank. Because this is used for
different purposes like in Wazirabad demand draft made by different persons on different charges by the
people if we make demand draft for education purpose then charges will the 25 rupees on 20000rs
demand draft. If other purpose like if a business man made the demand draft then its cost will be different
according to the requirement of the customer. Because the business man demand draft in lacs. If not
generated for education purposes then the person bears different charges on 100000 demand draft will be
There is a form that is generated by the banks for the applicant who want to open an account in the bank.
The person who want to open account fill that form and signed on that form and attach the CNIC copy.
After opening the account in bank, then the bank issue a cheque book to that account holder that is
received by the account holder after a one week through that cheque book the person drawn the cheque to
take money that is deposited by him. There are different requirements for account opening the normal
And some require different amount so it depend upon the account holder.in that 1000 the bank issue the
cheque book. Different document require for opening account.it depend upon the account holder interest
either the account is individual, mutual account, joint account,etc.the required document that are
necessary to open account that described below attested copy of the CNIC, a copy of the passport also
Board of Directors passed the certification decision. Letter of work who wish to open an account in a term
that had been employed anywhere. Partnership speech-generating companies in business start time, form
that contains the signature and seal the members of the Board of Directors.
Student also opened account by showing the individual card of that institute
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There is the first step on the form is the name of the branch mentioned. The account holder name in short
term and then the code of branch mentioned on the form. Then the date written when the account opened.
And there is also a blank space portion where the write name of mother. The type of account also
mentioned from where the customer select the account which is preferable for him. There is also a
column in which mentioned the about the existing account that the account holder have or not in the
HBL.in a basic type of account you only done two transaction with no cost in a day.in the current account
there are some limitation on drawn the money from the bank.
But if you have any emergency then a particular percentage on drawing the money deducted you have
received money with low inters rate. The value account of the Habib bank only particular customer used
because they received some extra benefits from this account but this type of account cannot use every
because some condition implemented on that account .not decrease the balance from 25000. The tittle of
account i written. There are different aspects about the account that is the name of the customer and it
can be the name of the business and corporation as well .after the complete analysis of form then we have
mentioned what type of account to open either he wants to open individual, business ,joint account,
partnership ,trustee account and business account. Then type of account has been mentioned either what
is the type of account that open current account then he further have to mention either he wants to open
the current or saving account have student account or current account. In basic banking account there
will be no charges but there are some conditions on drawing the cheque that made two transaction per
day.
While in current account will be restriction on the transaction but there is a requirement that the depositor
must have to maintain a minimum level of amount in his account. If the applicant wants to open a saving
account he then also have to mention what type of account he wants to open in the saving account. In PLS
saving account bank pay interest to applicant on the semiannually basis and also deduct the amount in
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face of zakat. There is no restriction in depositing and withdrawing. In HBL value account more profit is
paid to the customers and profit is paid after three months but the customer have to maintain the amount
Through deposit slip the bank maintain the record of deposits. There is two pages one page bank collected
and the copy of that slip given to the customer on stamping on that carbon paper with the signature of
employee. The code of hbl is 0422 that are written below the name of account holder coulumn.then select
the currency column while the customer deposit the money in which currency. Then after the selection of
Written the customer deposits. In term of money or in cheque. Then on the right side of that column there
are written the total amount deposits or cheque balance. Then the next is the name of depositor, its contact
number and CNIC number written and take the sign of depositors and then the remittances department
officer put the branch stamp on it and signed on the carbon copy and return to persons.
This slip normally used when the customer want to transfer funds from one account to another transfer
slip also same to the deposits slips. The difference is that in deposits slip we should be write down the
account holder name account number and branch name but in transfer slip only difference is that we
follow the instruction that describe on the form and according to that condition we transfer our funds. For
example if a person A transfer funds to the other person B then the A must attach cheque and deposits slip
together.
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When a person opened a account in bank then after the completion of account opening form the bank
issued a check book through which the person drawn the money from the bank whenever he need. This
cheque book generated by the head office that are received by the customer after one or two weeks. For
cheque book requiting the account holder fill a slip. Different things mentioned on the slip about the
customer like date, account number, and also mentioned in which currency you are deposited in your
account. The cheque book issued on the bases of data. This data only kept for the purpose of record.
This form is used when the applicant wants changing in its account. The account holder fill the form. First
of all customer name and account number mentioned .then in the next column that is more valuable
column that is mother’s name where you write the full name of your mother then the next column is the
language. While he used English or Urdu language.reseidencey of the customer take his CNIC number
must also be written on the form. As will be stated CNIC has expiration date with his nationality.
It is written about him also the social situation in the model. Also noteworthy in the form of his career
with the e-mail address. Then also collect the account, which also includes remember that the account
number is in the form of the new account details. Then in the service request if the applicant wants to
have a debit or credit card he must have to tick one of the boxes given on the form. If the applicant wants
to change his address he has to mention his previous and new address with the city name. He also has to
provide the post code and telephone number. Then in the service request if the applicant wants to have a
debit or credit card he must choose one of the boxes on the form, a certain provider. If the applicant wants
to change his speech, he declared that his previous and new name with the city.
It also has to provide a zip code and phone number. If a person signed on the cheque and the cheque lost
and he want to block it for this he should provide the number of cheque, amount and date. If the customer
want to change their signature he select the box of signature and signed the new signature.
2.5.6.6Remittances application:
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This application form is used for the purpose transfer funds from one place to another or from one bank to
another. For the first time for all applicants have to write a number of branch and the date at the top of the
message in DDMMYYYY format. If the applicant wants to transfer funds in the form of cash and any
progress at the time of the transfer of money and so we will write in cash and if you already have a bank
account and provides an option then we will send the number.Aplicant's account number is written and
the currency you want to transfer funds in rupees, dollars, euros or pounds selected. Then, the total
amount is written in numbers and words also. Then the information about the recipient is collected and
written. First of all your name and address written in the application form. And it will provide your URL
and CNIC number and must be in writing. Bank name and branch of the mentioned with the branch code
and the name of the city also. Furthermore, information on the applicant has been collected may include
your name, address, CNIC, and source of income. Or the money belongs to his salary, rent,. Or other
works. Mention the purpose of the transfer is also in final form from the date written back.
2.5.6.7Cost Memorandum:
This is used when the customer want to transfer funds through online that facility provided by mostly
banks of Pakistan.in this form complete detail of beneficially mentioned. His name and account number
are most important than any other information. If the applicant has no account in the bank then in this
situation the applicant’s CNIC mentioned and copy of CNIC also attached for online transfer fund
When the cheque book delivered from head office to the bank. And the customer want the cheque book
the employee verify the original id card of the person, and giving them cheque book. From this the
customer draw the money whenever wants. The freedom account holder get the free cheque book.thier
will be no charges of cheque book and transfer local cheque in bank account.
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When the bank received the card .then its responsibility to inform customer. But now a days a message
received by the customer if any activity occur in the account of the employees. There are different kinds
of ATM on customer demand like in one type of ATM you only draw 20000 rs. At a time another ATM
2.4.6.10Clearing process:
though the Habib bank limited is the main branch of Wazirabad so a lot of customer was coming for
different purposes like deposits cheque, cash, pay utilities bills,etc.so the everyday become a crowed in
the bank particularly on the last dates and starting days of the month. Because in this branch there are
different account opened like S.COM (special communication organization), POLICE, OLD AGE
BENIFITS,, ZAKAT ACCOUNT, some TRUSTEE ACCOUNT also opened in this branch.so a lot of
customer was coming in the bank I was only experience of one month during the internship so at this
situation the supervisor gave different task that I performed very well.
After receiving the cheque of the Habib bank branches, and other branches like MCB, NBP, and UBL
theses cheque send to the prescribed branch for clearing through the agent of NIFT(national institutions
facilitation technology) that work under the STATE BANK. The agent of NIFT collect these cheque very
early in the morning at 10:00 am these cheque kept in bank’s bag so we kept the all chuequ in bag before
the agent came. This agent was coming in the bank. This agent was taking two rounds in a day for cheque
collecting and giving of the other branch.it depends upon the state bank which cheque is clear and which
I am learn a lot of knowledge and also get a good experience from the banking sector. This is the hbl
mission to provide the all services to fulfill their needs. I also got a best thing that is more necessary in
our lives are kept everything in order for this your task will be easy to performed. The proper dressing
and behavior with the customer is most important thing while you operates a business. There will b
another thing that I have learned is the managing the profitable relation with the customer and try to not
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l0ss a single customer.it is the good business all over the world and also in Pakistan but now in Pakistan
political instability stop the businessman to do the business in Pakistan .Because the state bank restrict the
rule and regulation on banking business because anyone not started a business of banks.
I have learned different kinds of skills that are increased my knowledge as well the skill that I have
learned during the internship the most important thing is maintain the relation with customers, not lost
any customer of the organization when your close competitors existing in the market. I also learn about
the finance activities done in the banks. That is profitable for us in future either done the job in bank or
not .but this is necessary now this era that everyone should have knowledge about the bank activities
because in the future there will be fast operations of banks which also increase the risk factors.
During the time of internship I performed a lot of tasks that are given to me by the supervisor of my
internee work. Because I have worked in the main branch of Habib bank limited in wazirabad and some
bank also done their transaction through the main branch of. soneri bank, chartered account bank, so
there chequre also verified by this branch and the other hand there are more number of employees came
for different tasks like pay utilities bill, deposits cash, deposits cheque, etc. So at this time the supervisor
give different task to perform like clear the cheque (cheque sign. Date, clearing stamp) and also some old
people came in the bank which want to draw the money from their account and these people cannot know
how to draw the cheque so I write the cheque. I have also fill the account opening form whenever the
When the customer want to deposits money in their account or other person then I was also fill the
deposits slip and carbon copy give back to the customer and other kept in record on that slip I write the
name of account holder its account number, cash amount, and below this slip write the name of depositors
and write its phone number because if any problem occur with the account then we call the customer. I
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performed all these tasks very well. I also checked the stamping that are putt on the cheque that are
When I am working as a student then there will be the different situation because at this time I have a lot
of time for entertainment and other activities. But when we have go for the professional life then it will be
the different situation. The jobs of banking sectors are very busy you have a little bit time for you family.
Banking jobs are very hardworking because you have to be done every transaction very well, now
presently the technology increased but the other hand this technology system also increased risk
There is also problem in some families because they cannot want to do job in bank because they think
that the banking job are not good considered in Islamic point of view. That also disheart from banking
jobs.in bank you putt your all effort for good performance for saving jobs. A lot of pressure can bear
during the banking job.so these all things desheart to doing job in bank.
2.6.4Correlation between the class room and data and practical life:
Everyone know that class work and practical are different to eachother.most of the things are totally
different it depends upon the experience of the employees like in past when the technology system a little
bit used at this time the B.A person start their jobs in bank. Now this time that persons on the post of
manager. But present the technology increasing day by day so to enhance that technology every employee
should the knowledge of business to compete in market.so we are studied this subject in the institution to
success in the market. Communication skill that we are adopted from the class are very useful for us .i
know that there are some things which we are studied in the class that are communication, coordination
among the classmates. That are beneficially for us.in our degree program we have learn about the variety
2. Conclusion:
3.1Summary of conclusion:
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After the end of the internship report .I learned a lot of things that are necessary in lives during internship
also noted that the whole management and worker of Habib bank are coprateivley with their customer
because they know never lost a customer .this is main advantage this organization. The result is that hbl is
the leading bank in Pakistan among private banks. Habib bank and largest assets. The muzfarabd main
branch daily bases assets are above the 50 million on daily bases.these assets are the result of hbl
performance and more people prefer to open a account in HBL. Because there is a lot of competition
occurred between banks.in Kashmir because that area where hbl situated other banks main branches also
exist, like MCB, NBP, UBL.therefore there are more compition occurred between banks. Habib bank
network are increasing day by day.inother hand there is also many weakness of this organization that
there will no pointed a third person that restrict the employees in their work and result the employees
3.1.2Swot Analysis:
The swot analysis of any organization describes the idea about the strengths weaknesses, opportunities
and threats that are probilities occur in future so the organization keep in mind about the future, so that if
there is a threat of the organization, make plans and policies to handle these threats . Similarly, if there
is any opportunities creates of market then take advantage of the opportunities so that they can make more
3.1.2.1Strength:
Brand image
Largest assets
Strong network
Highest deposits
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3.1.2.2Weaknesses:
Timing holidays
3.1.2.3Opportunities:
Increases the number of branches in ruler areas & populated area. Also Increase the number of ATM
machines in most stable branch because every customer easy access to the bank for fulfill their needs
.because now technology increased day by day and mostly customer who opened a account have
knowledge about the ATM machines how used it.Provides more services than other competitors
3.1.2.4Threats:
The main threat for the banking sector in Pakistan is the instability of government because the
government implemented different taxes on the transaction that undesired the interest of customer.
Because now this previous year 1st july 2015 implement the tax on every transaction that are above the
50000 rs.in a day. Firstly this amount will be the 6% but after the strike of traders in Pakistan the
government decrease the tax and now presently is 3% of the each transaction that are above the
RS.50,000.
This is the main threats that creates problems for the banking sectors. Because that policy of government
demoralize the people interest towards banking transaction. From this policy a low level individual
mostly affect that already deducted tax from his salaries and other things
Instability of government
Political instability
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Decreases the interest rate that is not beneficially for the bank but this is good for people.
The analysis identify strengths and weaknesses in the technical management of the organization if no
organization analyzes the strengths and weaknesses then that is more serious problem for the bank that
may be occur in future . Analysis of all technical departments to identify strengths and weaknesses of the
4. Recommendation:
I have learned and gained a lot of knowledge through practical work during internship. I have studied
about the Habib bank operations and activities. There is a opportunity for hbl limited to increases the
network with best strategies which adopted the technology. Hbl interest rate is low that is harmful for the
organization if compare to other banks because in markets their will some players that want only high
There is also a lack of management that they do not utilizes its resources very well. The fresh graduates
should be hire because of new technology more of the employees worked in Habib banks over all are the
old age employees it is reality that experience employee more values but the other hand the values of the
new graduates are also very important for any organization. If the Habib bank combine the both the
young and experience employees that are more profitable for the organization.
5. References:
http://www.hbl.com/about-us-history.php
http://www.hbl.com/about-us-locations.php
http://www.hbl.com/about-us-awards.php
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Appendix supplementary materials mean all the material that we have used during the internship period.
If we have used some promotional material, forms and letters of the news then this will be attached at the
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