m 6
  

 
m      
m      
m 

    
We dedicate this project to our respected teacher w

 
 , who gave us this opportunity to work
on this project.
m ïstablished in1947
m Over 1,450 branches
ÊÊ (Long term)
Ê 1+ (Short term)
m ïstablished in1959
m Over 1121 branches
ÊÊ + (Long Term )
Ê 1+(Short Term )
m ÊTM
m Internet Banking
m Mobile Banking
m Debit Card
m HBL CarToCar
m HBL CreditCard
m HBL HomeLoan
m Term Êccounts
m Current Êccount
m Saving Êccount
m Foreign Currency Êccounts
K
  

1 Year 12.00%

3 Year 14.00%

5 Year 15.00%

10 Year 18.00%
m Êccount for Institutions
m Multiple options for tenure and profit payout
ï
pand your business with unmatched accessibility
across.
m @nique transactional account for Businessmen
m @p to 5.35% profit per annum
m Profit calculated daily, paid every quarter
m No minimum balance requirement
m Nominal monthly maintenance charge of Rs. 50
m @p to 10 Bankers Cheques free (at minimum balance of Rs.
500,000)
m Minimum balance of Rs. 5,000
m @nlimited transactions
m Non profit bearing
m HBL DebitCard and Inter Branch Transaction System
(IBTS) facilities
m Funds transfer to any bank through HBL PhoneBanking
m Can be opened with only Rs. 1,000
m No minimum balance requirement
m @p to 2 withdrawal and 2 deposit transactions free
every month
m @nlimited withdrawals through HBL DebitCard
m Non profit bearing
m Rest free from worries and e
pand your business with
unmatched accessibility across Pakistan.
m On a monthly balance of Rs. 25,000 or more, avail a
host of free services.
m 7.19% profit per annum
m Profit calculated monthly, paid every quarter
m Deposit ranges from Rs. 10,000 to Rs. 1,000,000
m Two withdrawals free every month
m 5.06% profit per annum.
m Profit paid bi annually.
m HBL DebitCard and Inter Branch Transaction System
(IBTS) facilities.
m Funds transfer to any bank through HBL PhoneBanking
m Minimum balance of Rs. 20,000.
m @nlimited transactions.
m Savings Êccount offered in 3 currencies, @
@ 
  , @
and @ 
m Tiered product, with rates depending on choice of
currency
m To earn profit, minimum balance should be 1000 @SD,
ï@R or GBP
m Interest is payable on a quarterly basis
m Êvailable in 1 month, 2 month, 3 month, 6 month and
12 Month in @
, @ and @ 
.
m Tiered product, with rates depending on choice of
currency and term
m Profit paid on maturity only. No interim interest is
payable.
m Current Êccounts
m Saving Êccounts
m Foreign Currency Savings
m Instant Cash Deposits & Withdrawals
m Country Wide Instant Funds Transfer
m Issuance of Pay Order, Demand Draft & Telegraphic
Transfer
m Instant Cheque Clearance for all @BL Cheques
By maintaining 
 or above in current account

m Online Transactions
m @BL Wallet ÊTM
m Lockers
m Cheque Book
m 50% discount on @BL Credit Card Ênnual Fee
Transact their bank related business activities
nationwide through a single platform.
Good news for small investors! Launch of the new @BL
@niFle
PLS Savings Êccount.
m Individual, joint account holders, sole proprietorships.
m One @BL @niFle
account per Computerized National
Identity Card (CNIC) shall be allowed.
m Profit shall be calculated on monthly average balance.
m The @BL @niFle
account cannot be overdrawn.
m The @niFle
Êccount Holder shall be required to maintain the
minimum balance requirement of Rs. 2 during each
calendar month.
m Innovative and fle
ible checking account.
m Êttractive rates of return.
m Profit is calculated on monthly average balance.
m Profit payment is on si
monthly basis.
m Higher returns on higher balances.
m Zakat will be applicable.
m The minimum initial deposit at the time of account opening is to be Rs.
1000/ .
m Ma
imum of two deposit and two withdrawals (cash or clearing) per
month are allowed free of charge.
m BBÊ customers will be allowed unlimited free ÊTM withdrawals from
@BL¶s own ÊTMs.
m ïvery account holder will be entitled to a welcome pack.
m Two VISÊ ÊTM Debit Cards are provided.
m Free ï statements are issued at a frequency of your choice.
m There is no minimum balance penalty levied on this account.
m Choose from different range of currencies i.e@ 

 
 

and 
etc.
m There are no cash handling.
m Êvail different attractive rates depending on the currency you choose.
m You get to take your profit home every si
months.
m Zakat e
empted.
m Choose from different range of currencies i.e. @ 

 
 
and

etc.
m Term deposits in foreign currency are offered for the following periods of maturity
with variable rates of return:
Three Months
Si
Months
Twelve Months
m Get the pleasure of availing the best rates of return in the market.
m Zakat e
empted.
m ïstablished in Pakistan in m ïstablished in Pakistan in
1947. 1959.

m Domestic market share of m Domestic market share of

over 40%. over 35%.

m Rated ÊÊ (Long term). m Rated AÊÊ(Long term).

m 1) Term Êccounts m 1) Current Êccounts

m 2) Current Êccount m 2) Saving Êccounts

m 3) Foreign Currency
m 3) Saving Êccount
Savings

m 4) Foreign Currency
Êccounts

m HBL FreedomÊccount
m HBL BusinessValueÊccount
m HBL ÊdvantageÊccount
m Investment Plus Deposit
m Basic Banking Êccount
(BBÊ)
m PLS ± Savings Êccount
m Daily Munafa Êccount\
m @BL Business Partner
Êccount
m The @BL Business Partner
Plus Êccount
m @BL @nifle
Êccount
m @BL @nisaver Êccount
m @BL Basic Banking
Êccount ± BBÊ
m @BL First Minor Saving
Êccount
V
  !"Ê!!

V
  !"Ê!!


 Foreign Currency Savings

 FC SB
 HYFFD (High Yield
 Foreign Currency Term
Foreign Currency Fi
ed
Deposits Receipts
Deposit)
V   !
V   !

@
@    @
@   
@
 @

@  @ 
 #Ê!!  #Ê!! 

6.03% profit per annum

7.19% profit per annum

V   !"Ê!! 
V   !"Ê!! 

Not Providing any Return Not Providing any Return

Ês both the banks operating efficiently and
maintaining almost the same accounts so it is hard to
describe which one is better but after thorough study
and taking into account the market share of banks &
bank customer relationship we come to a point that
($has a slight leading position than @$.