HABIB BANK LIMITED (HBL)

Introduction:
HBL commonly referred to as "HBL Pakistan" and headquartered in Habib Bank Plaza, Karachi, Pakistan is the largest bank in Pakistan. The bank has a network of over 1450 branches in Pakistan and 55 branches worldwide. It has a domestic market share of over 40%. It continues to dominate the commercial banking sector with a major market share in inward foreign remittances (55%) and loan to small indutries, traders and farmers. Habib Bank offers the basic range of banking services to its customers, to include commercial, bank in the emerging markets.It is the first commercial bank of Pakistan.The Habib family owned and managed the bank until the Pakistan government nationalized it on 1 January 1974.

Mr. Muhammad Javed Iqbal (An Examplery Figure)

Qualification:
He got his political science degree from Bahauddin Zakrya University,Multan in 1982. Got his Mba degree from Khyber University, Multan in 1984. Did Diploma in Banking from Charterd University,Multan in 1987.

Career Progression:
He started his career from Habib Bank Limited in 1985 as an Assistant Manger. After 10 years of rigorous effort he became the Senior Manager/Area Manager of the Bank.

Speciality of His Career:

The speciality of his career is that he never thought about being a part of any other organization since he joined Habib Bank.He is honoured to be the part of it.As he said: Habib Bank is like a family.Once you are in, you cant even think of going out.
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His Skills and Interest:

He started his career in the Modern Management Era when the success of the person was dependant on experience rather than the ability of the person. In such a difficult Era, he achieved this post whereas many of his fellowbeings are still working in that bank as Assistant Managers.This is all because of his skills and interests that are as follows: The ability to inspire, motivate and lead a team. Excellent communication and 'people' skills. A strong commitment to customer service. The ability to work under pressure and handle challenging situations. Confidence, drive and enthusiasm. Decision-making ability and a sense of responsibility. The ability to understand and analyse sales figures. Planning and organisational skills. Commercial acumen.

Bisection of Managerial Functions:

He defined the Mangerial functions as follows:

Planning: It is the basic function of management. It deals with chalking out a future

course of action & deciding in advance the most appropriate course of actions for achievement of pre-determined goals. It bridges the gap between where we are and where we want to be. Organizing: Bringing together physical, financial and human resources and developing productive relationship amongst them for achievement of organizational goals. Leading: It is how we have to guide and influence the work of subordinates in desired direction. Controlling: It implies measurement of accomplishment against the standards and correction of deviation if any to ensure achievement of organizational goals. The purpose of controlling is to ensure that everything occurs in conformities with the standards.

His current Designation in the Light of Management Funtions : Planning: As a planner the underlined duties are performed by Mr. Javed Iqbal: Strategies to achieve the goals:

HBL is a large organization whose goals are set by the Board of Governers in Karachi.He receives the targets from the Head office Karachi and he plans the strategies to achieve the goals.

Forecasting:
Being an Area Manager, he has a massive responsibility on his shoulders. As all the strategies are made by him. He has to take each and every step with the reliability that his strategies will not fail. Furthermore, he has to sense anything that is being spacious in the bank. So he has to keep himself allert all the time.

Strategies for the betterment of branch:

He has to set the versatile strategies to make the performance of his employees more effective. He works for those strategies with true spirits. Forexample, the branch has been restructured, female staff is appointed on different jobs etc.

Massive responsibility:
He is ultimately responsible for everything that takes place in the branch,so he has to delegate a lot of the customer service function for new and existing clients to the assistant branch manager and other strategic individuals at the branch. To oversee this, he has to be aware of all compliance and bank policy issues that affect the business of his client and the bank.

Oraganizing: Implementation of Groups:

As an Area Manager, he has to design and implement effective group and intergroup work and information system.He has to create a decurum between the differnet groups working under him.

Administration:
Administration is a more behind-the-scenes responsiblity.He has to make sure that the work flows run smoothly and all staff positions are covered during vacation periods and lunch breaks.

Allocation of resources:
He has to allocate all the resources whether they are human based or informational. He appoints the employees, divides the work between them etc.

Leading:
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Aspiring role model:

The success and failure of the banks overall goals for growth and acquisition of new business are a crucial responsibility for the branch manager.For this purpose,Mr.javed tries to inspire and lead the other members of staff and tries to be an aspiring role model to go the extra mile.

Motivation:
For the motivation of good employees, he sends their performance reports to the Head office and asks for a cash reward. This develops the selfconfidence among employees and they try to put more effort into the work.

Rational attitude:
As a leader he tries to keep a rational attitude. He examines all the situations deeply and then decides that what kind of attitude he should adopt i.e, he has to be strict or lineant.

Decrease the boredom of the employees:

He tries to keep the work intersting for his employees. For this reason, sometimes, he arrange get togathers at the end of the month. Moreover, he ensures sense of communication and security by discussing their problems regarding personal lifes aswell and tries to solve them so that their family matters could not affect their working in the bank.

Efficiency of employees:
As a leader for guiding and increasing the efficiency of his workers, or to keep them upto date, he arranges different lectures and short courses for them.

Controlling: Monitoring:
At the end of the year, he checks the performance of the bank and the employees. He tries to evaluate the problems that arises along the year and tries to make better policies to eradicate them.

Corrective actions:
He examines all the ambiguities that arises in the bank and take corractive actions in collaboration with his senior collegues.
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Comparison of his previous and current designation: His previous job was easy and relaxing as compared to his current job. Because as an
assistant maniger he had to do specific tasks assigned to him but now he has to be quick and allrounder in each and every field.

The current designation has made him to make accurate and quick decisions. He has
learned the art of planning here which was not possible as an assistant manager.

The drawback of his current designation is that sometimes he has to act like a puppet of
the people working over him.

Still he gets the more and handsome amount of salary which has increased his interest to
succeed more in life.

My personal experience their as a Learner:

HBL Hussain Agahi branch has a nice structure with the amalgum of beach and green walls. The interior of the branch was so balanced as one can easily differentiate between every sector of the bank. Mr. Muhammad Javed Iqbal was a very co-operative person.Without being formal and restricted , he explained and discussed all the things in a polite way. The relation between him and his employees were also friendly.This all inpired me a lot as a student of business management. As he said: A good manager is a man who isn't worried about his own career but rather the careers of those who work for him. Things I learned: Importance of customers and employees for an organizatin. Leadership does not mean being strict rather it is being rational in ur attitude. Importance of managers, their hardships and the incentives they take. For any organization team work is the key to success.