Hailey College of Banking & Finance

REPORT
On

HABIB BANK LIMITED

Presented to: Presented by: Prof.
AQEEL ANWAR Roll No: E07MBA073 Section: A

UNIVERSITY OF THE PUNJAB

LAHORE
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HISTORY
Habib Bank Limited started its commercial operation from Bombay on August 25, 1941 with a Fixed capital of 25,000 rupees. The four Brothers formed Habib Bank namely Ahmed Habib, Dawood Habib, Muhammad Ali Habib and Ghulam Ali Habib. The Bank had only Rs 1.03 crore by way of advances and invested Rs. 12 lakhs in government securities. After the creation of Pakistan, Quaid-e-Azam, Muhammed Ali Jinnah, impressed by its initial performance asked the Bank to move its operations to Karachi. Quaid-e-Azam on December 29, 1945 opened a current account with HBL. He also opened an account with Habib Bank Limited in the name of Muslim League Bihar relief fund. Habib bank survived its most crucial stage from 1941 to 1947 and has overcome numerous challenges. After independence and the shifting of Headquarter from Bombay to Karachi it faced much opposition and new responsibilities which were handled superbly by the bank. Efforts were made to increase the standards of service to the people, increasing banking hours and improving the physical appearances of the branches making it popular amongst the people. Habib Bank was the first to recruit and train Muslims in the banking profession. The first banking Training scheme was started by the bank in 1946. In 1948 there were only 23 branches of Pakistani Banks in the country. For this purpose HBL pioneered its first training programme in 1946 and many other programs since then onwards. It was Habib Bank which took the credit for the transfer of hundreds of crores of rupees from India to Pakistan. The Habib were the first to start the facilities like Gift Cheques Rupee, Travelers Cheques, Students Saving Schemes, Workers Saving Scheme, Drive in Banking, Mobile Banking, Credit Card System, Executors and Trustee Service, Short Term, and Long Term Loan Schemes for small businessmen. This was followed by mechanization and modernization of branches. Habib Bank celebrated its silver jubilee in 1966. the foundation stone of Habib Bank Plaza, the head office building of the bank, the tallest building in Pakistan at that time, was also laid by the then President of Pakistan, Field Marshal Muhammad Ayub Khan. The government of Pakistan issued special commemorative postage

stamps to appreciate Habib Bank's efforts for the stable economy of the country. It came out with the new image of "Best example of better service" (Behter Khidmat Ki Behtareen Misal) in 1966. Major expansion in the branch network was done in 1973 when a policy was adopted according to which there should be one branch for a population of 5000 people. On 1st January 1974 Habib Bank entered a new phase with the nationalization of Pakistani banks. All Pakistani commercial banks were nationalized and merged into five major banks i.e. Habib Bank, National Bank, United Bank, Allied Bank and Muslim Commercial Bank. Foreign Banks were excluded from the law of nationalization. The whole concept of commercial banking in Pakistan changed focusing to help Small industries, traders and farmers. HBL was lauded by the International Banking community and bestowed the American Gold Coin Award. Habib Bank has had the honor of having won this award of excellence for its Prize Savings Account Scheme in 1975. In 1982, the Gold Mercury award was conferred on the bank for its pioneer role and outstanding service in the community. Then in 1984 Habib Bank was awarded Chamber of Commerce Istanbul Gold Medal and a certificate in reorganization of its valuable contribution towards the economic development of Turkey. Habib Bank launched the first Habib Bank Modaraba in March 1991 to transform the interest based finance system into Islamic concept of Riba - free business and financial transactions. Since then Habib Bank plays an active role to provide truly Islamic mode of Investment opportunities. HBL completed 50 years of operations, its golden jubilee in August 1991. It is the first Pakistani bank to celebrate its golden jubilee. The bank is also a pioneer of computer services in banking. It was the first bank to introduce computerized services in banking in 1967. Since then HBL has set up different computer centers countrywide. While the ATM networks cover 45 cities and provide the facility of 145 ATMs. The privatization of the bank with management control being acquired by the Agha Khan Fund for Economic Development (AKFED) the bank anticipates further progress as AKFED brings considerable expertise in international finance and

business and is familiar with conditions in Pakistan, where it already has extensive operations in various fields. Government of Pakistan has divested its 10% stake (34.50 million shares; 5.0% of total issued shares) of Habib Bank Limited (HBL) with a green shoe option of 5.0% (17.25 million shares; 2.5% of total issued shares) from its existing holding of 338.10 million shares, at an issue price of Rs 235.00 per share. HBL VISION: Enabling people to advance with confidence and success. HBL MISSION: To make our customers prosper, our staff excels and creates value for shareholders. HBL VALUES: HBL is firmly grounded with a corporate philosophy that incorporates solid values which each individual associated with the bank abides by: Excellence Integrity Meritocracy Customer Focus Progressiveness QUAIDS VIEW Quaid-e-Azam, who impressed by its initial performance asked the bank to move its operations to Karachi at 1943 and HBL became a symbol of pride and progress for the people of Pakistan. HEAD OFFICE Head office of HBL is in Karachi for 35 years at I.I Chundrigar Road BRANCH NETWORK HBL plays a central role in Pakistans financial and economic development. HBL have an extensive network of more than 1400 domestic branches, which are largest in Pakistan. HBL have also 55 international branches, which provide comprehensive services. Thats form the backbone of the banks operations. FIRST Branch held in BOMBAY in 1941 and starts his services with a fixed capital of Rs. 25,000. Its International operations are strongly capitalized and are primarily funded 4

by core retail deposits in each of the countries. HBL plays a central role in Pakistans financial and Economic Development. Domestic Branches Kashmir Lahore Karachi Azad Kashmir Punjab Retail branches Corporate branches Foreign Branches Africa Kenya Mauritius Seychelles Sudan Bangladesh Fiji Islands Maldives Singapore Srilanka Bahrain Lebanon Oman UAE Belgium France Turkey Netherlands USA 5 4 1 1 2 1 1 1 2 4 1 11 8 1 1 1 1 1 1956 1964 1976 1982 1976 1991 1976 1971 1951KEPZ 1969 1964 1972 1966 1975 1980 1983 1979 1971 82 718 1 Sindh 279 9 Balochistan 123 1 Year of establishment NWFP 205 1

No of Branches

CREDIT RATINGS OF HBL HBL has strong credit rating & it is among the first 1000 banks of world (world class bank) Habib Bank Limited JCR-VIS A-1+, AA June 2007. SOCIAL COMMITMENT The Public Relation Division of HBL maintains effective rapport with the general public by communicating the policies and schemes of the bank through press and electronic media. Besides maintaining close relationship with journalists & advertising agencies, the Division also receives the visiting dignitaries and delegations from abroad. HBL believes in serving the nation and building the country strong. We are always at the forefront to support noble causes and promote the social & cultural activities in the country. The Public Relation Division of HBL sponsors various social, cultural and sports events to generate healthy activities in the society. It also organizes religious programs to uphold the religious tradition of our people. The Division represents the bank at important forums to exchange views on national & International issues with various organizations to boost the intellectual activities. MANAGEMENT COMMITTEE DR. Zakir Mahmood President and Chief Executive Officer OTHER MEMBERS; The other group members who are operating following Sectors; Ayaz Ahmed Group Chief Financial Officer Jamil A. Khan Group Executive Global Operations Jamil Iqbal Group Executive MISYS Business Process Re-engineering 6

Mudassir H Khan Group Chief Compliance Officer Global Compliance Salim Amlani Group Executive Audit, BRR & Investigation Shahid M Loan SEVP & Group Executive Global Treasury Sima Kamil SEVP & Group Executive Corporate Banking Zafar Aziz Osmani SEVP & Group Executive HR & Organization Development

HBL MAIN FUNCTIONS

Besides social commitment and retail banking, HBL performs also other functions: Acceptance of Deposits It is the main function of every bank. So, HBL accepts deposits for the purpose of advancing. HBL accepts deposits in following terms: Current Account Saving Account Fixed Deposit Accounts

Issuing Loans After accepting deposits, HBL issues loans for the purpose of Agriculture, Industrial, & Social activities. HBL advancing loans in the following terms: 7 Overdraft Discounting Bills Of Exchange

Loans Cash Credit Limit

Collection of Dividends HBL acts as an agent of its clients and collects Dividends & Interests on stocks and shares, HBL charges nominal commission against the provision of such services. Collection of Cheques HBL acts as an agent of its clients, while collecting and making payments of bills and cheques. Trustee A client may direct HBL to act as Trustee, while dealing with other parties. HBL charges a small fee for provision of such services. Deposit Slip HBL issues deposit slips to its Fixed depositors on depositing their amounts. These slips act as a medium between HBL and its clients for their further dealings. Voucher It is related with cash, when some cash is deposit or drew, and then this written evidence supports this dealing. Debit Voucher When an Account Holder draws some money from HBL then the bank issues him a Debit Voucher, because his account has decreased and debited by HBL.

Credit Voucher When an Account Holder deposits some money into HBL then the bank issues him a Credit Voucher, because his account has increased and credited by HBL. Debit Advice The function of debit advice is the same as of debit voucher, because all these transactions related to debiting its account holders. Credit Advice The function of credit advice is the same as of credit voucher, because all these transactions related to its account holders. Other Functions The other functions, which HBL provides, are as follows: Funds Transfers Providing Trade Information Under-Writing Services Zakat Collection Finances Foreign Trade

RETAIL BANKING
BRANCH OPERATIONS DEPOSITS
Deposit represent saving of the people and organization, which are deposited with the banks. Basic function of all commercial banks is mobilization of deposits. Deposit used by banks for financing to different types of borrowers. These are the raw material from which banks create their services for business and industry. Deposits are liabilities of the banks owed to its depositors. Deposit of Habib bank can be kept in the following accounts.

CD Deposits These are initial deposit for account opening. Current deposit is a deposit payable on demand. No restriction on withdrawal, no Zakat Deduction. Can be opened in the name of: Individual Firms Trust Private/ Public Limited Companies Club Societies Institutions

PLS Deposits This stand for profit and loss sharing accounts. PLS rates are declared by bank half yearly. No profit would be paid if the profit is less than Rs 10 for the half year. Zakat deduction is as per rules. Can be opened by: Individuals Charitable institutions Zakat / Usher Committee Local Bodies Firms/ Companies

Eligibility All Pakistanis Resident/Non-Resident can open and operate the Account. Any Foreign National having valid Resident Pakistan VISA can open and operate the Account. Requirements for Opening of Account: Duly filled prescribed A/C opening FORM. Photo Copy of National Identity Card (Resident Pakistani).

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Two Passport size photographs for Shaky Signatures/Thumb Impression (Resident Pakistani). Photo copy of Passport with Page bearing Resident Visa of the Country where Pakistani Residing (Attestation by HBL Branch or Pakistan Embassy). Two Passport size photographs and signatures on A/C Opening Form for Non-Resident Pakistani with Shaky Signatures/Thumb Impression. (Attestation by HBL Branch or Pakistan Embassy).

Photo Copy of Passport with Page bearing Resident Visa of Pakistan (Foreign Nationals).

Features Account can be opened with Minimum Balance Rs.1000/- with no maximum limit. Checking account Profit is payable at yearly rate declared every half year. Profit is calculated on monthly products i.e. on minimum balance of Rs. 5 000/- and above from 1st day to the last day of the month. Service charges Rs.52.50 if average balance is less than Rs. 10,000/- during the month. Profit is Paid/Credited in Account on half yearly basis. Statement of Account dispatched on half yearly basis after posting of profit. There is no restriction for withdrawals of amount and numbers of cheques.

Conditions Deduction of Zakat With-holding Tax as per rules of the Government.

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PLS Special Saving Deposit Accounts

Deposit Slab & Profit
Indicative Rate 01.01.2008 to 30.06.2008
O Avera Sa g D n ge vin eposit of Rs.3 ) a d over bu less t a Rs.2 (M s (M n t hn 5 ). O Avera Sa g D n ge vin eposit of Rs.2 (M a d over bu less t a Rs.5 (M s 5 ) n t hn 0 ). O Avera Sa g D n ge vin eposit of Rs.5 (M a d over bu less t a Rs.1 0 ). s 0 ) n t hn 0 (M O Avera Sa g D n ge vin eposit of Rs.1 0 ) a d over bu less t a Rs.2 0 ). s 0 (M n t hn 5 (M O Avera Sa g D n ge vin eposit of Rs.2 0 ) a d over bu less t a Rs.5 0 ). s 5 (M n t hn 0 (M O Avera Sa g D n ge vin eposit of Rs.5 0 ) a d over bu less t a Rs.1 0 (M s 0 (M n t hn 0 0 ). O Avera Sa g D n ge vin eposit of Rs.1 0 (M a d a s 0 0 ) n bove. 70 .0 % 75 .2 % 70 .5 % 75 .7 % 80 .0 % 85 .2 % 80 .5 %

Eligibility
All Pakistanis Resident/Non-Resident Individual/Company can open and operate the Account. Any Foreign National Individual/Company having valid Resident Pakistan VISA/Work permit can open and operate the Account. The depositors falling under any of the above category must maintain the required average balance to earn profit.

Requirements for Opening of Account

Duly filled prescribed A/C opening FORM. In case of individuals, same terms as of PLS SB & in case of companies etc. as following: Attested photocopy of N.I.C./Passport of Account Holder(s), Proprietor, Partners, Directors and office Bearers as the case may be.

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Certified true copy of the certificate of incorporation or registration (in case of limited companies & registered bodies only). Certified true copy of the certificate of commencement of business (in case of public limited companies only). Certified true copy of the memorandum and articles of association (in case of limited companies). Certified true copy of rules and regulations or By-Laws (in case of association etc.). Certified true copy of the resolution of the Board of Directors/Managing Committee/Governing Body regarding conduct of the account. List containing names and signatures of the Directors/Office Bearers duly certified by CLA/Registration Authority. Letter of partnership or certified copy of partnership deed (in case of partnership).

Features Account can be OPENED with Minimum Balance Rs.1000/- with no maximum limit. Checking account Profit is payable at indicatives rates for each half year. Profit under this scheme is calculated and paid to the depositors on daily products basis on the 1st working day of the following month according to above slab. In case the average balance during any calendar month changes (rises/falls) from a slab, the profit for that month will be paid at the rate applicable to relevant average balance slab. If during a calendar month a party maintains average balance which does not come within the ambit of SSD scheme then No Profit shall be paid. SERVICE CHARGES Rs.180/- if average balance is less than Rs.5,000/during half year. Profit is paid in Cash or Credited in Account. Statement of

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Account dispatched on monthly basis. There is no restriction for withdrawals of amount and numbers of cheques. Conditions Deduction of Zakat With-holding Tax as per rules of the Government.

Munafa Plus Deposit Certificate

These are kind of Term Deposits/ Time Deposits. Its duration ranges from 3 to 6 months. And from 1 to 10 years, in multiple of years. Minimum deposit is of 100,000/ and any amount exceeding 100,000/- in multiple of thousands. Profit payment is monthly, quarterly/ Half yearly/ Yearly and at maturity. Fixed Profit rates are offered.

Insurance Scheme:
Insurance schemes are offered in two ways On Natural Death MPDC amount subject to a maximum of Rs 1.00 Million

Accidental Death Two times of MPDC amount subject to a maximum of Rs Two million

No receipts would be issued. Customer must have CD/SB Account. Customer will file an additional AOF and an authority to debit his or her account. No cheque will be used for debiting an account in any case.

Special Notice Time Deposits

A PLS/ SNTD is a NIB Time deposit instrument, kept for an indefinite period by depositor and withdrawable by giving an advance notice of an agreed period prior to date of withdrawal. An SNTD falls due for repayment on the expiry of agreed period. The profit is paid for actual period during which the deposit remains with bank. SNTD are also issued by the bank on behalf of borrowers for building sinking funds as required in the sanctioned advice of Documents Against acceptance LC/ Delivery of Documents.

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Pls 7/30 Days Time Deposits Deposit Slab

Indicative Rate 01.01.2008 to 30.06.2008
M im mD p sitR ,0 0 2 ,0 0 in u e o s.5 0 /, 5 0 /7 to 29 days notice 4.5%, 5.50%

Eligibility
All Pakistanis Resident/Non-Resident Companies Firms, Govt. /Semi Govt. Depts. Can purchase an SNTD. Any Foreign National having valid Resident Pakistan VISA can purchase an SNTD.

Requirements for Opening of Account;

Duly filled prescribed A/C opening FORM. Photo Copy of National Identity Card (Resident Pakistani). Two Passport size photographs for Shaky Signatures/Thumb Impression (Resident Pakistani). Photo copy of Passport with Page bearing Resident Visa of the Country where Pakistani Residing (Attestation by HBL Branch or Pakistan Embassy). Two Passport size photographs and signatures on A/C Opening Form for Non-Resident Pakistani with Shaky Signatures/Thumb Impression. (Attestation by HBL Branch or Pakistan Embassy). Photo Copy of Passport with Page bearing Resident Visa of Pakistan (Foreign Nationals).

Features
SNTD can be purchased with Minimum Balance Rs.1000/- with no maximum limit. Profit is payable at yearly rate declared every half year and on date of encashment. 15

Profit is calculated for the days deposit remained with Bank. No profit/return is paid for premature encashment before 7 days or 30 days (as the case may be) from date of issue. Similarly if notice given falls short of 7 or 30 days (as the case may be), no profit shall be paid for the days short of required notice. Profit is paid Cash or Credited in Account on encashment. Conditions; Deduction of Zakat With-holding Tax as per rules of the Government.

Accounts
Following are the different types of accounts Individual Accounts Joint Account Proprietary Firm Partnership Firm Private/ Public Ltd Cos Accounts Association/ Club Accounts Societies/Union Accounts Account of Executors Trust Accounts Minor Accounts Value Accounts Super Value Accounts

COLLECTION Generally four types of cheques and other instruments & other instruments are paid /collected. 16 Cash payment Cash transfer Clearing/transfer delivery/local collection Collection of inland/foreign bills

CLEARING
The process for settlement of bankers mutual accounts, for the claims arising on account of various instruments, drawn on/by member/sub members of the clearinghouse. The system is controlled/managed by State Bank of Pakistan or National bank of Pakistan (where SBP has no office) Clearing house is a meeting point of representative of the member banks. where instruments are changed for settlement.

Transfer Delivery
It is the service of transfer deposit within the branch free of charges.

Local Collection
This facility is provided within the city for transfer of deposit without charges

Foreign Bills
Bills which are presented from/to foreign banks for clearance.

In-Land Bills
Clean Bills
Bills, which are without any assisting documents of title to goods (i.e R/R, T/R, B/L, AWB)

Documentary Bills
The bills where the documents of title to goods are attached with the bill of exchange. There are two main categories of bills: Demand bills & Usance Bills

REMITTANCES
Bank remittances are cheap as compare to other modes of remittances available to the public i.e. money order. Normally amount can be remitted through banks. Important source of earning i.e. commission, service charges and float income.The risk involved in physical transportation of money is eliminated. Demand draft are used for settlement of debts without handling actual cash.in HBL there is a prescribed form for remittance in which we provide beneficiary detail such as name, address, NIC or passport #, bank/branch name, account. And also Applicant details i.e. name, address, NIC #, charge a/c #. 17

In-Land Remittances
Demand Draft
It is a written order, drawn by one office of a bank upon another office of the same bank, to pay a certain sum of money to or to the order of a specified person. Demand draft is in order form, it is not bearer & a negotiable instrument, not issued to minor or insane person & also not to a person who is unable to sign, not having account, may be advised to apply through literate person signing on his behalf. It can be issued to a firm, company or local authority on their written request signed by authorized person.

Foreign Remittance
Foreign Demand Draft
It is just like a local demand draft but it is made/requested in foreign banks & paid here locally in PAK Rupee.

Home Mail Transfer

Foreign Traveler Cheques

CONSUMER BANKING
HBL AUTO FINANCE Habib Bank Auto Finance, offers the customer, an expedient and economical way of fulfilling his requirement of owning the car of his choice on his terms. This lease product has been designed to provide the consumer flexibility in terms of choice of car and tenure. Options of affordable down payments, convenient repayment arrangements in the form of monthly rental payments, which are tailored to the expected cash flows of the customer are some of the host of value added features, this product offers its customers. Salient Features of HBL Auto Finance 18 Low Mark-ups leading to affordable monthly rentals Available throughout Pakistan Tenures ranging from 36 to 60 months

Low Processing Charges Deferred Payment Option Financing of amounts up to Rs. 1.5 million Insurance premium rates as low as 3% Worldwide personal accidental insurance coverage for the entire family of the lessee of up to Rs. 200,000/Car choices of up to 1600 cc (New cars only)

Who Can Apply?? Work experience), Self Employed Individuals (minimum three years in business) and Professionals (minimum one year in business) Age Consideration Age between 25 60 (60 at maturity of loan) Minimum Documentation Required Completed Application Form Personal: Attested copy of NIC Two recent Passport size Photographs Copy of latest paid residential utility bill (not Mobile Phone Bill) NTN Certificate (wherever applicable) Latest salary Certificate (Salaried Individuals) Bank Statement 6 Months (Salaried), 12 Months(Self Employed & Professionals) Occupational: Employment Letter Proprietorship Certificate / Partnership Deed (Self Employed or Professionals) Certified latest Form A and Form 29 along with Articles and Memorandum of Association (Self Employed or Professionals) 19

Income Related:

Certificate of Incorporation (Self Employed or Professionals) Professional Body Registration copy (if applicable) How to Apply?? Visit your nearest HBL designated branch Submit filled application along with documentation required The branch will inform you if your application has been approved

HBL HOUSE FINANCE

Habib Bank brings to you the most affordable and convenient scheme to finance your own house. Habib Bank House Finance, a demand / running finance facility to assist you in turning your vision into a reality. With adaptable options, varying amounts and flexible tenures you can start shifting to, building or renovating your own house in a matter of weeks! The Habib Bank House Finance Scheme is an installment loan facility, secured by properties in residential areas. The scheme gives multiple options in the types of related financing one can avail. Through this product one can purchase ones own house these are loans for the purchase of residential property for the purpose of self-occupation by the borrower in approved and developed areas. Renovate ones own House These loans are against owner occupied residential property for home improvement and renovation. Self construct ones own House Financing for the construction of residential property within approved cities/areas, in approved and developed schemes on already owned residential plots. This scheme also offers a running finance facility, secured by an owned house in a residential area for: House Re-Finance This is a multi-purpose facility that can be availed by you as running finance to invest in your business or for personal purposes.

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Salient Features of HBL House Finance

The loan can be paid back in financing tenures ranging from 3 to 20 years. The repayment of the loan is in equal monthly installments and is through direct debit authority or post-dated cheques. Per party limit for all options, other than Home Improvement are at a maximum of Rs.7.5 million. Home Improvement limits range from Rs. 5 lacs to Rs.3 million Minimal Processing Charges

Who Can Apply?? Pakistani residents Salaried / Self Employed Individuals and Professionals

Age Consideration Age between 22 65 (60 for Salaried Individuals) Minimum Documentation Required Personal: Copy of NIC (attested) Copy of latest paid residential utility bill(not Mobile Phone Bill) Two passport size photographs Copy of NTN Card/Certificate OR Copy of latest Income Tax Assessment Order

Income Related:
For Demand Finance Facility Salaried: Two latest Salary Slips and latest 6 months personal Bank Account Statement Self Employed Professionals and Businessman: Latest one year personal Bank Account Statement. Company Bank Statement in case of Proprietorship can be accepted and/or Income Tax 21

Assessment Order Occupational: Salaried Individuals: Letter from Employer mentioning the date of joining, current job status and gross emoluments, deductions and net take-home. Self Employed Professionals and Businessmen: Proprietor: Bank Certificate mentioning date of Account opening, name of business and name of customer or Tax Returns Partner: Bank Certificate mentioning date of Account opening, name of business and name of the partners Attested copy of the Partnership Deed or Tax Returns Memorandum and Article of Association and attested copy of Registered Form 29/A How to Apply?? For your convenience, Habib Bank has designated specific branches in your city to provide you with this facility. All you would have to do is visit one of these branches, get an Application Form and submit the completed Application Form along with the requested documentation to apply. Once your application has been accepted you will be called in to complete the remaining formalities to finalize the procedure. Director:

HBL FLEXI LOANS

Habib Bank Flexi Loans is a personal loan product, which is available for salaried individuals for a variety of reasons. Whether it is for a childs education, a much needed vacation, a daughters wedding or even just a shopping spree, HBL Flexi Loans is a flexible financing scheme which can actually provide the much needed cash to fulfill all such requirements.

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Salient Features of HBL Flexi Loans Low Mark-ups leading to affordable monthly installments. Mark-up slabs vary for various categories of salaried individuals Financing from Rs. 10,000 to Rs. 500,000/Available throughout Pakistan from over 400 designated Habib Bank branches Tenures ranging from 12 to 60 months Low Processing Charges Full Credit Life Insurance

Who Can Apply??

Pakistani residents: Salaried individuals (With a minimum of one years work experience) Age Consideration: Age between 23 60 (60 at maturity of loan) Minimum Documentation Required: Completed Application Form Personal: Attested copy of NIC Company Identification Card (with photograph) Copy of latest paid residential utility bill (not Mobile Phone Bill) Three Months Salary Certificate (including latest) Occupational: Employment Letter How to Apply?? Visit your nearest HBL designated branch Submit filled application along with documentation required The branch will inform you if your application has been approved The amount will be credited to your account

Income Related:

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HBL LIFE STYLES

Habib Banks Lifestyles Financing Scheme provides financing for household appliances and consumer electronics on easy terms and flexible tenures. The product aims to bring comfort into each domestic unit by providing financing for essential domestic items, the purchase of which may be postponed by households due to paucity of funds. The bank aims to provide speedy financing so that families do not defer purchase of such essentials, and all such items are effortlessly accessible as and when required. Salient Features of HBL Lifestyles Loans for salaried / self employed individuals or professionals Low mark-ups leading to affordable monthly installments. Financing from Rs. 10,000 to Rs. 500,000/Available throughout Pakistan from over 330 designated Habib Bank branches Fixed tenures of 12, 18, 24 and 36 months Low Processing Charges Full Credit Life Insurance Free Doorstep Delivery of Items

Who Can Apply??

Pakistani residents Salaried (minimum one year work experience), Self Employed Individuals (minimum three years in business) and Professionals (minimum one year in business)

Age Consideration
Age between 25 60 (60 at maturity of loan)

Minimum Documentation Required

Completed Application Form: Personal: Attested copy of NIC

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Two recent Passport size Photographs Copy of latest paid residential utility bill (not Mobile Phone Bill) NTN Certificate (wherever applicable)

Income Related: Latest Salary Certificate (Salaried Individuals) Bank Statement 6 Months (Salaried); 12 Months (Self-Employed or Professionals) Occupational: Employment Letter Proprietorship Certificate / Partnership Deed (Self Employed or Professionals)

How to Apply??
Visit a Display Outlet of any business partner and decide on item(s) and models to purchase under scheme Visit your nearest HBL designated branch Submit filled application along with documentation required The branch will inform you if your application has been approved The item(s) will be delivered free of cost at your doorstep Current Business Partners Samsung Audio Visuals Samsung Home Appliances Dawlance LG Philips Singer

AGRICULTURE FINANCE
Agriculture sector is the backbone of our economy because almost 70% of industrial raw material comes from agriculture sector. Agriculture sector contributes

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25% of our GDP. Agriculture credit is the form of capital and one of the four factors of production. Farm Credit It includes seeds, fertilizers, pesticides etc. loan for tractors, tubewells, machinery comes under the heading of farm credit. Non-Farm Credit It includes Poultry, Fisheries, Livestock and dairy farming. Season Wise Financing
Rabi Financing

HBL allow financing for Rabi Crops from 1st Sep to 31 January of next years.
Kharif Financing

HBL allow financing for Rabi Crops from 1st February to 31st August. Haryali Finance Scheme It is 3 years revolving finance scheme for agri-production purpose. It is running finance limit, which is sanctioned for three years. The amount of limit is determined on the basis one year credit requirements for purchase of inputs for crop grown on the land cultivated by the borrower. Usually total input requirements of all crops grown during the year are calculated in consultation with the farmer. The documentation is done once in three years for the total period of finance.

Eligibility Criteria:
This scheme is applicable throughout Pakistan. The applicant must be a land owner, cultivator The applicant must be an account holder of the branch Land offered as security as shown in agri-pass book must not encumbered The land of the borrower should be located in an area which could be supervised by the lending branch

Farm Transport Loan

It is for small and big pickups for a period of three five years repayable in easy monthly installments. Debt equity ratio is 90:10. Agri-land, Rural/ Urban property, saving certificates and bank deposits can be offered as security. Transport is supposed to be fully insured.

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LiveStock and Fish Farming

It meets our requirements for dairy products, meat, eggs etc. It also helps in fertilizing land. It is for cattle/ goat raising.

Loan for Farm Water management

As we know that agriculture cannot flourish without water. Lot of water is wasted without irrigating land in our country. And the problem of water logging and salinity is there. So the loan for three to five years tenure is given for purchase of tubewells/ turbines to ensure proper irrigation of cultivated land. Debt Equity Ratio is 80:20. Security is agri-land, Urban or rural property/ saving certificates/ Deposit.

Tractor Lease Finance

It is against security of land/ property/ saving certificates or two personal guarantees acceptable to the bank. Debt Equity ratio is 80:20. The loan is for three to five years repayable in two half yearly installments. Quotation from the authorized tractor dealer is required. If security is bank deposit then no need for equity deposit. The tractor is to be comprehensively insured.

Loan for Tobacco growers

A maximum finance of 100,000/- per grower can be provided as per recommendations of PTC/ LTC against two sureties acceptable to the bank for actual input requirements as demand finance for one tobacco season. Verification of Halka Patwari or any other revenue official not required. Finance to be repaid from sale proceeds of tobacco crops.

NIB (NON- INTEREST BASED ) MODES OF FINANCING

It is to get rid of interest/ usuary/ Riba from our economy and banking system. It is to transform our banking system strictly in line with the teachings of Islam.To achieve these objectives there must occur a basic change in the relationship of banker and customer. Under NIB financing bank is no more a lender of money rather it should become a partner of the business. Three broad categories of NIB financing are as under 27 Financing by lending Lending with service charges (Juala) Lending with out service charges (Qarze Hasana)

Trade related Modes of Financing:

MARK-UP (BAI-MUAJJAL) Financing Institutions shall buy an item at the request of the customer. The seller should deliver the goods to the buyer while the buyer agrees to pay the price at a later stage. Repayment can be lump sump or in installment at marked up price. MARK DOWN This mode of finance is used for discounting/ purchase of bill of exchange and/ or documents. The profit is secured from the difference in the face value and the marked down price of the bill. LEASING Two types of leasing Operating Lease Financial Lease

There are two parties in lease financing Lessor (The bank) and Lessee (the customer). Lessor should purchase the fixed asset (Plant and machinery) and shall retain its ownership. The lessor should give possession of the asset to the lessee for use. The lessee pays a rent of the asset for a specified period. The leasing banks are generally less concerned about financial account of the lessee. HIRE PURCHASE (BAI-SALAM) Under this finance banks cater to the fixed investment needs of various sectors. The assets are purchased on joint ownership basis. Repayment includes a part of the principal and a share of profit earned from the assets. It is so adjusted that at the end of the agreement the amount of finance and share of profit is fully amortized. Mode of repayment is monthly installment. In case of default banks can take possession of the asset.

28

E-BANKING
HBL E-bank is your bank at your fingertips HBL E-bank is complete All your banking needs are covered in a single user interface. HBL E-bank is convenient. Access your accounts from your desktop any time any where across the globe and avoid the hassles of branch banking. HBL E-bank is economical All it takes is a Dial up to the Bank or access HBL E-bank site. No extra charges, no new hardware software and no more frequent visits to the Bank and the time wasted in arranging appointments, raveling, parking and queuing at the Bank for ordinary money management requirements. HBL E-bank Improves Fund Management Latest information of your company / personal account(s) both in Rupees and other currencies on your desktop computer provides a great facility to manage your funds flow in a more efficient manner. You can check whether you have sufficient funds in your account for the present days needs or you have to arrange funds from other account(s) resources to meet your needs. HBL E-bank improves working Effective management of excess cash float, accelerated accounts management, immediate reconciliation and electronic filing saves time, space and allows easy retrieval thus improving working quality and control. HBL E-bank is secure Uncompromised security features supported by carefully controlled set of private passwords only permits authorized persons to access HBL E-bank from office / home. The HBL E-bank customers also have the option to decide the access rights of their users to access / manage their E-banking activities by using their private passwords. HBL E-bank is user friendly It is designed with you in mind. Simple step-by-step processes show you how to use it. An extensive on-screen help is also available in the system besides the

29

formal documentary guidance and assistance/training provided by the Bank to the HBL E-bank users. HBL E-bank ensures confidentiality The inherent high degree of data encryption and authentication features in the system ensures absolute data integrity of all value transactions / information routed to or received from the Bank, giving the user complete peace of mind.

E-BANK SERVICES
The customer needs are changing rapidly and they are demanding sophisticated, swift, secure and low cost services to meet their banking requirements. In line with Habib Bank Limiteds (HBLs) tradition for leadership, state-of-the-art technology is being employed to provide a complete e-banking package to our wide-range of customers all over the globe. HBL is offering value added, swift, efficient, hassle free, cost effective and secure e-banking services to its customers across the globe which allows them to manage the funds flow in their accounts with us in a more efficient manner from their desktop any time any where with just a few clicks of the mouse, what we call your bank at your fingertips. The HBL E-bank facilities are available in all our Branches withinPakistan. HBL is currently offering windows-based two electronic banking products to its customers, which give access to information on their accounts and the ability to act on the latest information received. The powerful and highly secure HBL network enables our clients to download the latest information of their accounts on their PCs. PC Banking Internet Banking

The features of our both products are the same. The only difference is the mode of communication. In Internet Banking you use Internet to get connected to HBL E-bank Data Server while with PC Banking, you use a dial-up connection.

30

E-BANK APPLICATIONS
If you would like to apply for PC or Internet Banking Services of HBL, please follow the under mentioned steps: You must be a customer of HBL and have account(s) in any of our Branches within Pakistan. Obtain PC / Internet Services Application Form from any of our Branches within Pakistan that is nearest to you. Fill out the Application Form and note to complete all columns. The Applicants Title of Account in the Banks records must be the same as mentioned on the HBL E-bank Application Form where applications are received for Accounts of Companies / Firms the individual accounts of their executives cannot be incorporated in the Companys Site and require separate Application Form to be completed. Submit the completed PC / Internet Banking Services Application Form to your branch for necessary verification of Title of Account/s, Account Number/s, and Authorized Signature/s for the account(s) mentioned in the form. In case of more than one account maintained in our various On-line Branches, all such accounts also require necessary verification of Title of Account, Account Number and Authorized Signature from the respective branches.

E-BANK HELP DESK

The HBL E-bank package includes comprehensive User Manuals for PC & Internet Banking Modules and on-screen helps instructions for each function. Should you have any questions regarding connection, starting the system or the day-to-day running of the system, the Banks Help Desk is there to assist you. We are committed to fast response and our Help Desk is available from 09:00 A.M. to 08:00 P.M. on Mondays to Fridays and from 09:00 A.M. to 02:00 P.M. on Saturdays to assist, provide guidance and to solve any problems. Our appreciation is best expressed by our being of service to you.

31

E-BANK SECURITY FEATURES

HBL realizes the importance of exercising Security over the data that is transmitted both for itself and our customers and that is why we are using the latest available security features at all levels which will give confidence to our customers while using our e-banking services. Secure Log-In To log-in you need to enter your Site ID (provided by the Bank) and a private password of your own choice. When you log-in, the Site ID and Password is automatically encrypted so that no-one can read it. Password Controls You can change/create the password of your own choice any time at your convenience. The following are the parameters that must be observed while making/changing of password: Password must be of 8 characters alphanumeric. Alphanumeric cannot be in sequence/series e.g. 23, 78, 12, ab, ef, ijk etc. Password cannot contain duplicate characters. Last 6 Previously used Passwords cannot be repeated. The expiry period of passwords is 30 days in P.C. Banking & 90 days in Internet Banking Services. Encryption Technology HBL E-bank is hosted on a secure server that uses the latest encryption technology at all levels i.e. from Log-in process to transmission of any Information from clients end to HBL E-bank Server or vice versa. The encryption is on all data generated at both ends manually and automatically through the system security protocol. The data / information that fail to pass this integrity checking procedure are not accepted on the HBL E-bank Server. SSL Technology For managing your encrypted communication session we use Secure Sockets Layer (SSL) Protocol 128 bit encryption. Firewall

32

In addition to using encryption tools, a Firewall is also used to protect network and provide safeguard for your account(s) information held on HBL E-bank Server. This barrier provides high quality of screening that only allows authorized access to HBL E-bank server. Digital Certification HBL E-banking uses online certification issued by a reputed third party. A padlock symbol displayed at the right side of the bottom of the browser screen shows the internet users that the website is secure and genuine. Corporate Controls Password controls for Super User and Sub Users Different Access Rights for Super User and Sub Users Single / Dual Password Authorization for all transfer instructions Pre-defined Beneficiaries Option Audit Trail PC BANKING PC Banking is one of the E-banking services being offered by the Bank. This allows two-way communication between the Bank and its Corporate, Retail and Commercial Customers and gives the client access to download the information of their account(s) both in Pak Rupees & Foreign Currency to their desktop PC through a dial-up connection. With PC Banking our customers enjoy the following secured facilities: Statement of Account(s) Single Account Balances Group Accounts Balances Account to Account Transfers (Only available within our On-line Branches) Payment to Third Party by requesting the following: Issuance of Draft Issuance of Pay Order Issuance of Telegraphic Transfer Issuance of Mail Transfer Payments can also be made in Foreign Currencies (if permitted under Foreign Exchange Regulations). All authorized payment instructions received on any

33

working day by HBL Embank before 1:30 P.M. (Monday to Thursday) and 12:30 Noon (Friday & Saturday) will be acted upon the same day. Payment instruction(s) received after these timings will be entertained on next working day.

Services to be offered in future

Utility Bills Payment Cheque Book Requests Exchange Rates Market Commentary Product Information Secure E-mail.

Equipment Requirement
The minimum equipment required for PC Banking product of HBL E-bank is as follows: IBM Compatible PC P3 Processor + 64MB Ram (Minimum) Windows 95 / 98 / NT / 2000 / XP 56K Modem (AT HAYES compatible) 3 Com / US Robotics (Preferred) DUN-Dial up Networking (Windows) Hard Disk Free space: at least 250 MB (for HBL E-bank application) Telephone Line that can use a modem i.e. Analogue.

INTERNET BANKING
Internet Banking is another medium of our E-banking services, which allows our Retail, Commercial and Individual Customers to access the information of their account(s) both in Pak Rupees & Foreign Currency by connecting to HBL E-bank site from their desktop through Internet. Internet Banking Services provide the following secured facilities to our clients: Statement of Account(s)

34

Single Account Balances Group Accounts Balances Account to Account Transfers (Only available within our On-line Branches) Payment to Third Party by requesting the following: Issuance of Draft Issuance of Pay Order Issuance of Telegraphic Transfer

Issuance of Mail Transfer

Payments can also be made in Foreign Currencies (if permitted under Foreign Exchange Regulations). All authorized payment instructions received on any working day by HBL E-bank before 1:30 P.M. (Monday to Thursday) and 12:30 Noon (Friday & Saturday) will be acted upon the same day. Payment instruction(s) received after these timings will be entertained in next working day.

Services to be offered in future

Utility Bills Payment Cheque Book Requests System Requirement Internet Explorer version 5.5 preferable. Java Virtual Machine (JVM) should be available on the PC.

OTHER SERVICES
HBL MASTER CARD Habib Bank MasterCard opens a world of convenience for you. Be it shopping or traveling or medical expense, HBL MasterCard sets you free from the hassles of carrying cash, wherever you are. You have the option to choose from our Domestic or International card depending on your requirements. Facilities: Worldwide acceptability Up to 30% of your spending limit as cash advance Travel accident insurance coverage worth Rs. 2.5 million Photo feature to help avoid misuse 35

HBL LOCKERS: HBL also provides huge facilities of lockers to their A/C Holders with some charges. some of functions related to the lockers are given below: Main Branch of Locker: The main branch of Locker and this branch have also a huge locker to providing the such needs for their A/C Holders. This branch in Karachi where as the main head quarter also in Karachi which provides huge services to their customers and employees. Some Things Which Considered Safe: Like; Jewelry, House documents, Important bills, Use full things which considered to exposed to theft, also admitted in branches of HBL for safety and sound ness. Bank is reliable of your things. HBL HAJJ/UMRA SERVICES: HBL also introduced the new policies for the sake of its Good Will and to grow good reputation in the society. So HBL introduced Hajj/Umbra packages for his customers. So, besides showing his reputation in the financial and economic sectors, its also provides packages for his employees, and A/c Holders, and customers for performing their Hajj or Umbra. So, HBL also create Religious sector in his sectors. VALUE VISA DEBIT CARD: Introduction: Step into a world of ease and convenience and welcome a new and innovative way of making purchases! We bring to you Habib Bank Value Debit Card the truly secure and convenient payment solution backed by the international acceptance and recognition of Visa International. Simply use your Value Card at outlets for payment of daily purchases and experience the ultimate ease and convenience. Pursue your hearts desire, travel, shop, entertain, refuel yourself and your car because youve just added Value to your life. Habib Bank Value Debit Card: 36

Habib Bank Value Debit Card is a secure and convenient payment tool. It is linked to the personal Habib Bank account of the customer. When the customer uses Value Card at outlets for payment of daily purchases, the exact purchase amount is deducted from their personal Habib Bank account.

Benefits of Value Card:

Your Money, Your Control Value Card is the ideal way of paying for your shopping and purchases as it gives you access to the exact amount of money you need from your account, when you need it. Also, no interest or credit is involved on payment with Habib Bank Value Card because you spend from the money available in your personal Habib Bank account. Ease & Security Value Card is the quick, easy and convenient way of making payments for purchases as you dont have to visit ATMs to withdraw cash or count notes for making payments. Also, paying with Value Card is safer than carrying large amounts of cash because with a single swipe the exact purchase amount is automatically deducted from your personal Habib Bank account. No Liability on a Lost / Stolen Card In case of card loss or theft, you are protected against fraudulent debit card transactions made on your card after it is reported lost / stolen. Therefore, card loss or theft should be immediately reported to HBL 24 hour Customer Service Unit at 0800- 11224-toll free number or Visa Global Customer Assistance Service helpline for the relevant country if you are traveling abroad. International Recognition & Acceptability Your Value Card is backed by Visa International making it acceptable at over 20 million Visa merchants worldwide including 10,000 merchants in Pakistan. As an ATM card it is accepted at over 700 1-Link and M Net ATMs in Pakistan and over 864,000 Visa ATMs worldwide. Free Account Statement Value cardholders will receive a free of charge monthly account statement of all debit card and ATM transactions to help them keep track of their spending.

37

Features of Value Visa Debit Card; Classic Gold Daily Spending limits Point of Sale (Debit Card) Rs. 50,000 Rs. 100,000 Daily ATM Cash withdrawal Rs. 20,000 Rs. 25,000 Exclusive Discounts & DealsHabib Bank brings Value Debit Deals for all its Value Debit Cardholders. With Habib Bank Value Card you can avail magnificent discounts and deals at your favorite outlets. Insurance Cover On spending up to Rs. 5000 (single transaction or collective purchases) on Value Gold Card in one month, you are entitled for Life Insurance (accidental Death) of Rest. 100,000 for the next 30 days. (Persons above 65 years of age are not eligible for this insurance cover). Funds Transfer Facility Funds transfer facility through HBL ATMs provide Habib Bank Value cardholders the facility of transferring funds between linked accounts (from own account to own account, from own account to third party account) maintained with online branches of HBL. The daily funds transfer limit on Value Classic Card is Rs. 25,000 and on Value Gold Card is Rest. 50,000. If you want to avail the Funds Transfer facility, please fill Account Link Form. Supplementary Debit Card - Now your family too can enjoy the convenience and benefits of Habib Bank Value Card! Habib Bank Value Supplementary card has been specially designed keeping in mind the daily purchase requirements of you and your family. You can get supplementary cards for your immediate family i.e.: Parents Husband / Wife Brother / Sister Son / Daughter

38

Facilities:
Habib Bank Value Supplementary card offers all Habib Bank Value Debit Card facilities as well as Cash Withdrawal and PIN Change options on ATMs. Supplementary cards have the same ATM Cash Withdrawal limit as the Basic Card. However, on Basic cardholders request, these ATM facilities can be blocked so that the Supplementary Card may be used for debit card transactions only. Choose the desired spending limit (Rs.) for each supplementary card from the following options: 5,000 10,000 20,000 50,000 100,000 (for Gold cardholders only) Monthly Card Statement All supplementary card/s transaction details will be included in the Basic card statement. Apply for Supplementary Cards You can apply for up to 2 supplementary cards if you are a Value Classic cardholder and up to 4 supplementary cards if you are a Value Gold cardholder. VALUE VISA DEBIT DEALS Value Debit Card exclusive discounts & deals at your favorite outlets! Habib Bank brings Value Debit Deals for all its Value Debit cardholders. Your Card entitles you to discounts and savings on your purchases at your favorite outlets. Thus, not only do you enjoy convenience, safety and international acceptability on your Card, but also you can save on your daily purchases. So, make each shopping spree exciting by availing Value offers at our partner shops and outlets. HBL PAYMENTS OF UTILITY BILLS In some branches of HBL provides to the people to paid their dues or bills related to their use ness in their daily life routine. All such bills like Electric Bills, Water Bills, Sui Gas Bills, are must be paid in HBL branches during their working hours. The bills must be accepted in its branches with the amount charged which is written in bills. VALUE VISA DEBIT CARD CHARGES

39

CARD CHARGES Annual Fee Basic Classic Card Rs. 350 Annual Fee Basic Gold Card Rs. 1000 Annual Fee Supplementary Classic Card Rs. 100 Annual Fee Supplementary Gold Card Rs. 250 Card Replacement Fee Rs. 100 POS Transaction Fee (Local) Nil POS Transaction Fee (International) 2% of transaction amount (Minimum US$5 Maximum US$20)

ATM CHARGES:
Cash Withdrawal HBL ATMs Nil 1 Link ATMs Rs. 20 per withdrawal Mnet ATMs Rs. 20 per withdrawal Visa ATMs (International) 3% of transaction amount or US$5, whichever is higher (per withdrawal) Balance Inquiry HBL ATMs Nil 1 Link ATMs Nil MNet ATMs Rs. 5 (per inquiry) Visa ATMs (International) US$ 5 (per inquiry) Mini Statement - HBL ATMs Rs. 5 (per statement) Funds Transfer (HBL ATMs) Rs. 50 (per transfer) HBL ATMS ATMS is the abbreviation of Automated Teller Machines As concern with his name we find that this machine belongs to cash transactions. Which deals with cash transfer or drew out from this machine where this facility is available. In Pakistan the ATMS machines are 114 whereas Lahore have 26 branches and its networks in 37 cities. The main branches of ATMS in Lahore are Cantonment branch, Davis road branch, and Shah Alam market branch.

40

ANNEXURE ANNEXURE 1:
Details of Branch Network Online Branches
Abbottabad Attock Bahawalpur Bannu Chitral D.G.Khan D.I.Khan Faisalabad Gujranwala Gujar Khan Gujrat Haripur Hyderabad Islamabad Jamshoro Jhang Jhelum Karachi Kohat Kharian Kasur Khanewal Lahore Lala Moosa 41 1 2 4 1 1 1 1 10 5 1 3 1 4 17 1 1 3 56 1 2 1 1 37 1

Larkana Mirpurkhas Muzaffarabad (AK) Multan Mardan Mingora Mirpur (AK) Murree Nawabshah Noshera Okara Peshawar Quetta Rawalpindi Rahimyar Khan Sahiwal Sargodha Sialkot Sukkur Sheikhupura Wah Cantt Wazirabad

1 1 2 7 1 1 2 1 1 1 1 9 6 16 2 2 3 7 2 1 1 1

Total Branches ANNEXURE 2

HBL Branches of ATMs
The branches of ATMS in Pakistan as follows; HABIB BANK LTD. ATMS

225

KARACHI
1 Zamzama Boulevard Branch

42

2 Nursery Branch 3 PAF Shahrah-e- Faisal 4 Elphinstone Street Branch 5 P.I.A. Airport Corporate Sub Centre 6 Clifton Branch 7 Jinnah Terminal Branch 8 Sir Syed Road Branch 9 Barkat-e-Hyderi Branch 10 Defense Housing Society 11 Karsaz Branch 12 Rizvia Society Branch 13 Mercantile Branch 14 Mercantile Branch Karachi 15 Shahrah-e- Pakistan 16 Badar Comm.Area, 26 Street, D.H.A 17 Hassan Square Branch 18 FTC Branch 19 KMC Branch 20 Saddar Sub Centre 21 Shaheen (Mauripur Road) Branch 22 Korangi Road Phase-2 (DHA) 23 Tibet Centre 24 JPMC Branch 25 Gulistan-e-Jauhar Branch 26 Muslim Town Branch

LAHORE
1 Cantonment Branch 2 Circular Road Branch 3 Shah Alam Market Branch 4 Shahrah-e- Quaid-e-Azam (The Mall) 5 Davis Road Branch 6 Gulberg Main Market Branch

43

7 Model Town Branch 8 Chowk Hall Mcleod Road Branch 9 Gulberg-III Super Market 10 New Muslim Town Branch 11 Fortress Stadium Branch 12 Shadman Colony Branch 13 Corporate Centre 14 Allama Iqbal Town Branch 15 Panorama Centre Branch 16 Allama Iqbal International Airport Branch 17 Nisbet Road Branch, Lahore 18 Shad Bagh Branch 19 Samanabad Branch 20 Ferozepur Road Branch (Ichhra) 21 Engineering University Branch 22 Baghbanpura Branch 23 Lake Road Branch 24 Jail Road Branch 25 PAF Sarfaraz Rafiqui Road Branch 26 Mughalpura Branch

ISLAMABAD
1 Aabpara Market Branch 2 Foreign Affairs Building 3 CDA Civic Centre Branch 4 Corporate Centre 5 F-7 Commercial Area Branch 6 F-6 Super Market Branch 7 PTV Head Quarters 8 G-9/4 Industrial / Trading Centre

RAWALPINDI
1 Lalkurti Branch 2 S.D.V. Branch

44

3 Rehmanabad Branch 4 PAF Chaklala Base Branch 5 Satellite Town Branch 6 Main Airport Road Branch 7 Kashmir Road Branch 8 City Branch

PESHAWAR
1 Bank Square Branch 2 Hayatabad Branch 3 Arbab Road Branch 4 PAF Cavagnary Road Branch

FAISALABAD
1 Circular Road Centre 2 Punjab Medical College 3 Madina Town Branch 4 D. Ground Sub Centre

SIALKOT
1 Paris Road Centre 2 Cantonment Branch 3 Small Industries Estate Sub Centre

GUJRANWALA
1 Bank Square Branch 2 Satellite Town Branch 3 G.T. Road Branch

MULTAN
1 Cantonment Branch 2 Gulgasht Colony Branch 3 Hussain Agahi Branch 4 Mumtazabad Branch

QUETTA
1 High Court Branch 45

2 Jinnah Road Branch 3 Balochistan University Branch

HYDERABAD
1 District Council Branch 2 Station Road Branch 3 Latifabad Unit No.7 Branch

SUKKUR
1 Military Road Branch

MIRPUR AZAD KASHMIR

Bank Square Nangi Branch

BHAWALPUR
Chowk Fowara Branch

ABBOTTABAD
Jinnah Road Branch

SAHIWAL
High Street Jinnah Road Branch

WAH CANTT
Wah Cantt-P.O.F

SARGODHA
1 Kutchery Bazar Branch 2 Satellite Town Branch 3 PAF Shaheen Branch

JHELUM
Chowk Shandar Branch

HARI PUR
Haripur Main Bazar Branch

SHEIKHUPURA
Railway Road Branch

MURREE
46

Jinnah Road Branch

MARDAN
Bank Road Branch

ATTOCK
City Branch

DG KHAN
Main Bazar Branch

MUZAFARABAD
Chattar Domel Branch

GUJRAT
Gharibpura Branch

RAHIMYARKHAN
Shahi Road Branch

KOHAT
Hungo Road Branch

NOWSHERA
Cantt District Nowshera Branch

KASUR
Railway Road Branch

MINGORA
Bank Square Branch

KHARIAN
Cantt Branch

WAZIRABAD
Kutchery Chowk Branch

KHANEWAL
Main Branch

KAMRA
47

Pakistan Aeronautical Complex KAMRA

LARKANA
Bunder Road Branch

NAWABSHAH
Masjid Road Banch

OKARA
Mandi Road Branch

HAFIZABAD
Grain Market Branch

MIRPURKHAS
Jinnah Road Branch

ANNEXURE 4
Total ATMS branches And its network covers; Total ATMs 114 ATM Network Covers 37 Cities HBL ISSUING BRANCHES OF VALUE VISA DEBITCARD; HABIB BANK LTD. VALUE DEBIT CARD

ISSUING BRANCHES
KARACHI
1 Zamzama Boulevard Branch 2 Nursery Branch 3 PAF Shahrah-e- Faisal 4 Elphinstone Street Branch 5 P.I.A. Airport Corporate Sub Centre 6 Clifton Branch 7 Jinnah Terminal Branch 8 Sir Syed Road Branch 48

9 Barkat-e-Hyderi Branch 10 Defense Housing Society 11 Karsaz Branch 12 Rizvia Society Branch 13 Mercantile Branch 14 Mercantile Branch Karachi 15 Shahrah-e- Pakistan 16 Badar Comm.Area, 26 Street, D.H.A 17 Hassan Square Branch 18 FTC Branch 19 KMC Branch 20 Saddar Sub Centre 21 Shaheen (Mauripur Road) Branch 22 Korangi Road Phase-2 (DHA) 23 Tibet Centre 24 JPMC Branch 25 Gulistan-e-Jauhar Branch 26 Muslim Town Branch 27 Foreign Exchange Centre 28 Iddgah Branch 29 SITE Branch 30 Central Corporate Centre 31 Habib Bank Annexe Branch 32 Napier Road Sub Centre 33 State Life Corporate Centre 34 Club Road Branch 35 Cloth Market Branch 36 SDV Branch 37 Tariq Road Centre 38 Industrial Estate, Site Centre 39 Jodia Bazar Sub Centre 40 Korangi Industrial Area Centre 41 Shahrah-e-Jahangir Branch 49

42 Pakistan Steel Mill Corporate Sub Centre 43 Bahadurabad Branch 44 West Wharf Branch 45 Ram Bharti Street Sub Centre 46 Stock Exchange Branch 47 KPT Branch 48 Shaheed-e-Millat Road 49 PNSC Branch 50 PECHS Commercial Area Branch 51 Ibrahim Hyderi Goth 52 Landhi Industrial Area Branch 53 Timber Market Branch 54 Korangi No.5 Branch 55 Modern Housing Society Branch 56 KDA Civic Centre Branch 57 Sindhi Muslim Housing Socirty Branch 58 New Challi Branch 59 Alnoor Society Branch 60 Yousuf Plaza Branch 61 Port Qasim Branch 62 Malir Cantt Branch

LAHORE
63 Cantonment Branch 64 Circular Road Branch 65 Shah Alam Market Branch 66 Shahrah-e- Quaid-e-Azam (The Mall) 67 Davis Road Branch 68 Gulberg Main Market Branch 69 Model Town Branch 70 Chowk Hall Mcleod Road Branch 71 Gulberg-III Super Market 72 New Muslim Town Branch 50

73 Fortress Stadium Branch 74 Shadman Colony Branch 75 Corporate Centre 76 Allama Iqbal Town Branch 77 Panorama Centre Branch 78 Allama Iqbal International Airport Branch 79 Nisbet Road Branch, Lahore 80 Shad Bagh Branch 81 Samanabad Branch 82 Ferozepur Road Branch (Ichhra) 83 Engineering University Branch 84 Baghbanpura Branch 85 Lake Road Branch 86 Jail Road Branch 87 PAF Sarfaraz Rafiqui Road Branch 88 Mughalpura Branch 89 Cavalry Ground Branch 90 Badami Bagh Sub Centre 91 Lahore Development Authority Branch 92 Brandreth Road Branch 93 Opposite High Court Branch 94 Stock Exchange Branch 95 Bilal Park Branch 96 DHA Branch 97 PECO Road Centre 98 Punjab University New Campus Branch 99 Punjab University Old Campus Branch 100 Wapda House Branch 101 Empress Road Branch 102 Gardee Square Branch

ISLAMABAD
103 Aabpara Market Branch 51

104 Foreign Affairs Building 105 CDA Civic Centre Branch 106 Corporate Centre 107 F-7 Commercial Area Branch 108 F-6 Super Market Branch 109 PTV Head Quarters 110 G-9/4 Industrial / Trading Centre 111 Secretariate ''A'' Block Branch 112 Secretariate ''Q'' Block Branch 113 H9-Shalimar Recording Branch 114 Quaid-e-Azam University Branch 115 Supreme Court Building 116 I-9 Industrial Area 117 Islamic University Branch 118 Federal BISE Branch 119 Jinnah Avenue Branch

RAWALPINDI
120 Lalkurti Branch 121 S.D.V. Branch 122 Rehmanabad Branch 123 PAF Chaklala Base Branch 124 Satellite Town Branch 125 Main Airport Road Branch 126 Kashmir Road Branch 127 City Branch 128 Corporate Centre 129 Massy Gate Branch 130 Narankari Bazar Branch 131 Liaquat Road Branch 132 Asghar Mall Branch 133 Services Branch 134 GHQ Branch 52

MORGAH (District Rawalpindi)

135 Morgah Corporate Sub Centre

PESHAWAR
136 Bank Square Branch 137 Hayatabad Branch 138 Arbab Road Branch 139 PAF Cavagnary Road Branch 140 Super Market Cantt Plaza Sadder Branch 141 City Branch 142 Cantt Branch 143 Tehkal Bala Branch 144 Jamrood Road Branch

FAISALABAD
145 Circular Road Centre 146 Punjab Medical College 147 Madina Town Branch 148 D. Ground Sub Centre 149 Corporate Centre 150 Municipal Complex Branch 151 District Council Branch 152 State Life Building Branch 153 Satyana Road Branch 154 Yarn Market Branch

SIALKOT
155 Paris Road Centre 156 Cantonment Branch 157 Small Industries Estate Sub Centre 158 City Branch

53

159 M.F. Elahi Building Sub Centre 160 Neika Pura Branch Adda (District Sialkot) 161 Adda Branch

GUJRANWALA
162 Bank Square Branch 163 Satellite Town Branch 164 G.T. Road Branch 165 Gulabpura Cantt 166 Trust Plaza, Sub Centre

MULTAN
167 Cantonment Branch 168 Gulgasht Colony Branch 169 Hussain Agahi Branch 170 Mumtazabad Branch 171 BISE Branch 172 Corporate Centre 173 Samijabad Branch 174 Bahauddin Zakaria University

QUETTA
175 High Court Branch 176 Jinnah Road Branch 177 Balochistan University Branch 178 Complex Branch 179 Satellite Town Branch 180 Cantt Branch

HYDERABAD
181 District Council Branch

54

182 Station Road Branch 183 Latifabad Unit No.7 Branch 184 Jamshoro Sind University, New Campus 185 Main Bazar Saddar Branch

SUKKUR
186 Military Road Branch 187 Frere Road Branch

MIRPUR AZAD KASHMIR

188 Bank Square Nangi Branch 189 Main Bazar Branch

BHAWALPUR
190 Chowk Fowara Branch 191 Farid Gate Branch 192 Model Town 'A' 193 Ghalla Mandi

ABBOTTABAD
194 Jinnah Road Branch

SAHIWAL
195 High Street Jinnah Road Branch 196 Jinnah Chowk Branch

WAH CANTT
197 Wah Cantt-P.O.F

SARGODHA
198 Kutchery Bazar Branch 199 Satellite Town Branch 200 PAF Shaheen Branch

55

JHELUM
201 Chowk Shandar Branch 202 Fauji Textile Mills Branch 203 Ram Din Bazar Branch

HARI PUR
204 Haripur Main Bazar Branch

SHEIKHUPURA
205 Railway Road Branch

MURREE
206 Jinnah Road Branch

MARDAN
207 Bank Road Branch

ATTOCK
208 City Branch

DG KHAN
209 Main Bazar Branch

MUZAFARABAD
210 Chattar Domel Branch 211 Main Branch

GUJRAT
212 Gharibpura Branch 213 Pakistan Chowk Branch 214 Circular Road Branch

56

RAHIMYARKHAN
215 Shahi Road Branch

SADIQABAD
216 Machi Goth Branch

JHANG
217 Shaheed Road Branch

KOHAT
218 Hungo Road Branch

NOWSHERA
219 Cantt District Nowshera Branch

KASUR
220 Railway Road Branch

MINGORA
221 Bank Square Branch

KHARIAN
222 Cantt Branch 223 City Branch

D.I.KHAN
224 Circular Road Branch

LALAMUSA
225 G.T. Road Branch 57

GUJAR KHAN
226 G.T. Road Branch

WAZIRABAD
227 Kutchery Chowk Branch

KHANEWAL
228 Main Branch

KAMRA
229 Pakistan Aeronautical Complex KAMRA

LARKANA
230 Bunder Road Branch

NAWABSHAH
231 Masjid Road Banch

OKARA
232 Mandi Road Branch

HAFIZABAD
233 Grain Market Branch

MIRPURKHAS
234 Jinnah Road Branch

CHAKWAL
235 Bhaun Chowk Branch

58

BUNNU
236 Preedy Gate Branch

MURIDKE
237 Muridke Branch

HBL OVERSEAS BRANCHES

Overseas branches of HBL also helping in the Presidents relief fund some of branches discussed below,

Branch Name
Habib Bank Limited Colombo Habib Bank Limited Dhaka Habib Bank Limited Chittagong Habib Bank Limited Fiji Habib Bank Limited Maldives Habib Bank Limited Brussels Habib Bank Limited Rotterdam Habib Bank Limited Kenya (Kenyatta Ave) Habib Bank Limited Kabul Habib Bank Limited Dubai Habib Bank Limited Bahrain Habib Bank Limited Bahrain (OBU) Habib Bank Limited Oman Habib Bank Limited New York Habib Bank Limited Singapore Habib-UK PLC Habib Bank Limited Mauritious Habib Finance Australia Ltd. Sydney Habib Bank Limited Beirut Habib Bank Limited Turkey Habib Bank Limited Paris Habib Bank Limited Hong Kong 59

POINTS OF SOCIAL COMMITMENT

The important points of social commitment as follows: SPORTS HEALTH EDUCATION CULTURE PROMOTIONAL SUPPORT OTHER CONTRIBUTIONS

Sports 1. Cricket 2. Hockey 3. Football 4. Table Tennis 5. Basket Ball Cricket HBL has a history of providing great cricketers to Pakistan Cricket. Our cricket players have brought laurels to our bank as well as to the country. Players like Javed Miandad, Mohsin Khan, Abdul Qadir, Salim Malik and Ijaz Ahmed joined Habib Bank at very early stage of their career. The exposure given by the bank helped them polish their skills to become renowned cricketers of the world. These days players like Shahid Khan Afridi, Younus Khan, Saleem Elahi, Danish Kaneria, Hasan Raza, Kabir Khan, Atiq-uz-Zaman and Imran Farhat are representing HBL. Some notable achievements of our cricket team: WILLS Cup One Day Trophy; Winner: 1984, 1986, 1989, 1990, 1991&1993 Runners Up: 1983, 1992 Patrons Trophy Grade-I; Winner: 1976-77, 1977-78, 1987-88, 1991-92, 1992-93, 1997-98, 1998-99 Runners Up: 1990-91, 1996-97 Quaid-e-Azam Trophy; Winner: 1977-78 Runners Up: 1978-79, 1988-89 & 1999-2000 60

Hockey Habib bank has produced a number of Olympians and International Hockey players like late Munawar-uz-Zaman, Hanif Khan, Waseem Feroze, Safdar Abbas, and Iftikhar Syed who represented Pakistan in early Seventys and Eightys. Presently players like Sohail Abbas, Waseem Ahmad, Kashif Jawwad, and Sameer Hussain represented Pakistan in the Sydney Olympic 2000. Besides these, other players like Haider Hussain, Naveed Iqbal, Mohammad Khalid, Mubasshir ukhtar, Ajaz Khokhar and Asad Qureshi have also represented Pakistan in various International Tournaments. Major achievements of our Hockey Team are: Winner: All Pakistan Gold Cup Tournament at Lahore in 1989 Winner: All Pakistan President Gold Cup at Peshawar in 1991 Winner: All Pakistan Environmental Tournament at Peshawar in 1995 Winner: All Pakistan Col: Sher Khan Shaheed Tournament at Rawalpindi in 1999 Runner Up: 48th Habib Bank National Championship 2000-2001 Patrons Trophy Grade-I; Winner: 1976-77, 1977-78, 1987-88, 1991-92, 1992-93, 1997-98, 1998-99 Runners Up: 1990-91, 1996-97 Quaid-e-Azam Trophy; Winner: 1977-78 Runners Up: 1978-79, 1988-89 & 1999-2000 Football In Football, players like Mohammad Tariq, Late Mohammad Shafi, Moosa Ghazi not only played for the country but also led the country on different occasions. Major contributions of our Football Team are: National Championship; Winner: 1981, 1985 Runners Up: 1982, 2000 3rd Position: 1980-91, 1992,1996 Besides above, during the period between 1975-1996; Winner in various All Pakistan Football Tournaments (20) Runner up in various All Pakistan Tournaments (15) 61

Table tennis; Our womens Table Tennis team has a record of winning the National Championship of team events for consecutive 13 years (from 1978 1990). Nazo Tahir, Robina Arif, Seema Kaleem and Shabnam Bilal won the individual ladies National Championship twelve times among themselves. Nazo Tahir won the Gold Medal in the 4th SAF Games. On account of her excellent performance, the President of Pakistan awarded her Pride of Performance. In mens events, Arif Nakhuda, Sohail Hayat and Javed Ghaffar won six individual National Championship. Our Table Tennis team also won mens team events in 1990 and 1996. Basket ball; Our Basketball team has also been actively participating in the national events. S.M. Tanveer, Majid Mohammad, Mohammad Azam, Abdul Rahim are some of our players who have led the National team on different occasion at the International level. The major contributions of the team include: National Championship; Winner: 1982, 1983 & 1984 Runners up: 1980, 1981, 1992 and 1993 3rd Position: 1985, 1987, 1988, 1990, 1991, 1994 & 1995 Winner: Sindh Olympics (SAO) basketball championship. Winner: All Pakistan Tournament from 1978 to 1996 (thirty one times) Runners Up: All Pakistan Tournaments from 1978 to 1996 (fourteen times) 3rd Position: 23rd National Games at Peshawar in 1990. International and good will tours; Cricket Visited: U.A.E., Kuwait & Oman on Good Will tours. Runner up: Super Wills Cup, held in India. Hockey Winner: Quaid-e-Azam International Cup, held in Colombo, Srilanka.

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Football 3rd Position: Asian Club Championship, Colombo, Srilanka. Table Tennis Winner: All Dubai Table Tennis Championship Health Annual fund raising campaign of December 2000 of Marie Adelaide Leprosy center. Fund Raising Campaign of Shoukat Khanum Memorial Hospital. Zakat Raising Campaign for JPMC, Cardiovascular, patients welfare. Pakistan Medical Association Conference. Promotion of Kidney Centre Karachi. Marie Adelaide Leprosy Center. Shoukat Khanum Cancer Hospital, Lahore. JPMC, Cardiovascular. Pakistan Medical Association. Kidney Center, Karachi. 13th International Psychiatric conference held in Karachi. EDUCATION University of Karachi. Sindh IT Board. Providing Science Equipment / Home Economics Material for Government Girls High School, Sinjoro, Distt. Sanghar, Sindh. The Indus Entrepreneur TIE. Sindh Madressa-tul Islam, Karachi. Professional institutions i.e. I.B.P. / I.B.A. /I.B.M. Institute of Chartered Accountant.

CULTURE

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Calligraphy promotion of Pakistan Navy at Maritime Museum. Promotion of Fine Arts to Mr. S.L. Hussain. Hyderabad Bankers Club. Promotion of culture by Art Council of Pakistan, Karachi. Promotion of activities at press club & press associations. Promotion of Ramazan Festival with Karachi Sheraton. PROMOTIONAL SUPPORT Calligraphy exhibitions. Art Council of Pakistan, Karachi. Press Club. Horticulture Foundation of Pakistan. Silk Route festival-Gilgit 2000. Marketing Association of Pakistan. Export Exhibition. Chamber of Commerce & Industry. Federation of Pakistan Chamber of Commerce & Industry. All Pakistan Newspapers Society. Council of Newspapers Editors. Korangi Association of Trade & Industry.

OTHER CONTRIBUTIONS 100th anniversary of Quaid-e-Azams Sindh Madressa-tul Islam. Promotion of Horticulture Foundation of Pakistan. Various seminars at professional institutions like I.B.P., I.B.A. Chamber of Commerce & Industry Hyderabad. Promotion of Pak China relationship and tourism through Silk Route festival Gilgit 2000.

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EARTH-QUAKE & HBL

PRESIDENT'S RELIEF FUND EARTHQUAKE VICTIMS-2005 All Habib Bank Branches operating in Pakistan & Abroad and all its subsidiaries including Habib Finance International Ltd.-Hong Kong / Habib Finance (Australia) Ltd.-Sydney and Habib Allied International Bank PLC-UK have been authorized to accept Donation from its customers as well as non-customers by Cash or Cheque ete. for the relief of earthquake victims-2005 in the account specially opened for providing relief to the earthquake victims titled:

SWOT ANALYSIS
SWOT is the abbreviation of four words these are S stands for strength W stand for weaknesses O stands for opportunities and T stand for threats. Strength and weaknesses are the internal factors of the organization and it also known as the micro factors but the opportunities and threats are the external factors and these are known as the macro factors micro factors are controllable factors but the macro factors are not controllable. This is the theory that when ever the organization form then they have to come to know about their strength the they come to know about their weaknesses then the have to find out their opportunities and then they come to know about their threats but according to the latest theory the word SWOT is know as WOTS according to them they said that a new organization never come to know about their strengths first always they come to know about their weaknesses first then they come to know that what opportunities they have in the particular sector and then they have come to know about their competitors and at the last they come to know about their strengths. So the easiest way to know about any organization is the SWOT analysis.

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STRENGTHS
Strong brand recognition Strong brand recognition in the domestic market and niche foreign markets. Strong distribution capability Strong distribution capability through the largest domestic and overseas network amongst all commercial banks in Pakistan. Market presence Established market presence 20% market share. Large Domestic Deposit Large (over 5 million accounts) and loyal domestic deposit base with low cost deposits. International Operations Most international operations are funded by stable and core retail deposits Different Products HBL has many products for it all type of customers. So it depends on customer that what product he like means that in which type the customer wants to invest in the HBL. But its the facility form the HBL that they provide a maximum number of products actually the HBL targeting all type of customers they have not only a one target market the target every on whether a person is the salaried person or business man they gave the facility to certain organization that they open their employees salary account with HBL. HBL provides a complete range of banking products and services including retail banking, corporate banking, trade finance, consumer finance, credit cards and lease finance. Such a wide product portfolio, along with increasing greater hedging of business risks also significantly increases cross selling opportunities. Credit rating Strong credit rating & it is among the first 1000 banks of world (world class bank) Focused business strategy Focused business strategy supported by appropriate organization structure, operating procedures, and human resource and information technology initiatives.

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Corporate Market Large single party exposure limit and relationship with large groups has made the bank a major player in the corporate market. Largest Treasury function Largest Treasury function amongst all commercial banks in Pakistan enables ability to achieve attractive rates in the interbank market Maximum number of branches HBL has maximum number of branches in all over Pakistan. HBL plays a central role in Pakistans financial and economic development. HBL have an extensive network of 1425 domestic branches which are largest in Pakistan. HBL have also 55 international branches which provide comprehensive services. Thats form the backbone of the banks operations. Better Service HBL has the good service department they providing their customers a complete satisfaction according to their requirement. The reason that they are providing the best services to their customers is that they want to remain in good terms with customers at all levels. Online Facility / Phone Banking The customer needs are changing rapidly and they are demanding sophisticated, swift, secure and low cost services to meet their banking requirements. In line with Habib Bank (HBL) tradition for leadership, state-of-the-art technology is being employed to provide a complete e-banking package to our wide-range of customers all over the globe. HBL is offering value added, swift, efficient, hassle free, and secure e-banking services to its customers across the globe which allows them to manage the funds flow in their accounts with us in a more efficient manner from their desktop any time any where with just a few clicks of the mouse, what we call your bank at your fingertips. The HBL E-bank facilities are available in all our Branches within Pakistan. & bank is just away on a phone call. Less Chance of Fraud Because of online banking HBL have lees chances of fraud. Because whenever some transactions have done this is at the time and at the spot enter in 67

the system that is directly connected the main server at Karachi. So the employees have top balance their journal daily because other wise they have get memo form the organization and this make their value down in the organization. Lockers Facility Many banks provide the facility of lockers but not in their 80% branches but HBL is the only bank, which provides the lockers facility to their customers at their all branches. Well decorated and designed branches All branches of HBL is well designed and decorated all branches are designed by the architects and designed by the interior designers. Monthly Branch Meetings Monthly branch meetings are held with in the branch to solve the problem or how to bring new accounts who achieve his or her target and who have to achieve how much more means to say that they have all things in the meeting which make them best in their zone. Seminars HBL always conduct the seminars on certain topics as for service quality or some other like that and the concerning person or every branch of the city have to attend that seminar for the improvement and the knowledge about tat what their bank improve for them and for the customers regarding to their department. Award and appreciation of employees HBL always appreciated its best employees who work hard for their organization. The employees who bring the big account before their targets or the amount above their target that employees are appreciated by awards in form of cash, souvenir and certificate and these awards are present at the seminar at the front of all branches employees. Foreign Exchange Facility Bank provide the facility of foreign exchange facility if any customer has the foreign exchange account at Bank and after withdrawal of the amount from the bank and he want to exchange his money in the local currency or some other currency then the Bank employees or branch employees have good contact and account of foreign exchange changer at their bank to them they call and ask them for the rate and if the customer satisfied to the rate then they said them that for the certain 68

amount change the following currency they have the account their in the branch so they gave the local currency at the bank and take the foreign currency with them on their own responsibility. This will increase the business of the bank also. Linked Account Facility At HBL the customers who have more than one account they have the facility that for different accounts thy have the same account number only the suffix is changed so this is the facility for the customer that he can remember his account easily. Relaxation for employees For employees the relaxation is that the employees get the medical leaves and 1 month vacations in one year with their pay and in case of some emergency the employees have allow to leave, this is direct dealing of employees with their branch manager. Very easy to open accounts At HBL its very easy to open an account no need of any reference you just come instep and open your account in the particular suffix you want to. So this is the strength if the HBL that the get more customers. Employee back up is provided In every branch of HBL the back up of every employee is there in case of emergency is some officer not came at the bank so the other back up is there who knows about al that things or even at the time of vacations they have the back up who make his or her work for these days. Utility bills collection Collection of utility bills there at HBL. This is positive point of the Bank they have the facility of the collection of utility bills for customer, this facility will make their reputation more strong and this makes a plus point of their bank.

WEAKNESSES
Technology not up to date Up gradation of technology in all branches not yet complete A number of branches still have to be refurbished / upgraded, or automated, as these are not up to the standard.

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Government Interventions Undue government intervention in shaping the administrative policies of the bank due to being a public sector entity. High Ratio of non-performing loans Historically high ratio of non-performing loans. This ratio has been managed down due to balance sheet growth. In addition, these loans have now been adequately provided. Low rate of interests HBL Bank has low rate of interests on Pls as compare to the other banks but they have some good rate of interest in their products like value a/c but its rates are also not too good as compare to the other banks. Charges of cheque book The other reason that many times there is conflict of the Bank customers have those they why they have to pay to the bank. Customers are on right because many of the banks are not charging for cheque book. Transaction charges The other weakness of the HBL Bank that they have charging the transaction charges at first the State Bank have start but after a few months State Bank stop that but HBL Bank still have that in their profit and loss account that they charge transaction charges. Increment in employees salaries The other main weakness of the Bank is that they are not increment their employees salary according to the world labor organization that is 10 % every year but in Bank such thing is not happens according to that rule. Late Promotions The other thing that for the employees point of view the weakness is the Bank is that they are to promote their employees even they have a time of promotion but they are not promoted that is also not fair with the employees.

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Un-balances appreciation No balance appreciation are there at HBL for every employees the officers who are below grade are not awarded as compare to the higher grade officers like cashiers, operators etc.

OPPORTUNITIES
Huge untapped market potential in consumer banking. Opportunity for developing value added services combined with corporate banking relationships, cash management services to large and medium sized corporate clients. Large international network which principally focuses on trade finance with Pakistan can be utilized to tap trade activities in other markets. In addition, services such as cross border / offshore financing for corporate customers can be enhanced. Benefits of recent expenditure on technology and branch upgrades soon to start flowing. Increasing regulatory support for universal banking activities. Stability in Afghanistan leading to increased banking opportunities in Pakistan, Afghanistan and in Central Asia. Further reduction in intermediation costs possible, with improving technology. Possibility of transferring non performing assets

THREATS
Following are the threats faced by the HBL these are almost the same threat, which is faced by the other bank also because the threat is the micro factor, and it is not in the hands of the organization its the environmental factor. Competitors HBL have the threat from their competitors in their main competitors are Standard chartered, ABN Amro, Muslim Commercial Bank etc. because to compete each other they have to launch the different products and different things to attract their customers. 71

Government policies The main thing that is the threat for the HBL is that is the government policies that in the political situation like our country no one does not know that what going to be happen in future not future perception. Same as the government that no one knows that what type of policies they have in future so this is the biggest threat for every industry. Concentration risk Concentration risk is high as major exposure is towards the textile sector and government, as is the case with most of the Nationalized Commercial Banks Consolidation Consolidation in the banking sector resulting in increased competition. WEBSITES www.hbl.com www.privatisation.gov.pk www.sbp.gov.pk Economic Bulletin Habib Bank. Bank Alfalah Securities.

NEWS PAPERS ANNUAL REPORTS

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FAQs
Q. What are the total numbers of HBL branches?
A. HBL has 1437 local branches with 703 Rural, 734 Urban & 40 International Branches.

Q. How many are HBLs Islamic Branches and where Located?

A. Currently HBL is with just one Islamic branch located at Karachi.

Q. What is Shareholding Pattern in HBL?

Shareholder Agha Khan Fund State Bank of Pakistan General Public Others %age 51.000 43.047 5.000 00.953 100.00

Q. What is area of Credit Risk for HBL?

A. HBL is concentrated in the textile Sector with total Advances of Rs. 67.5Bn

Q. What is HBLs Share in total Banking Sector? A. HBL has total market share of 20%, moreover it has 16.5% share in overall Advances and 14.3% share in overall Deposits.

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