Professional Documents
Culture Documents
CONTENTS
Topics
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History of HBL
Introduction to HBL
Vision & Mission
Core Values
Organizational Chart of HBL
Functions in HBL
Information Systems & its Types
MIS & its Types
Management Information System at HBL
Transaction Processing System of HBL
Management Reporting System of HBL
Decision Support System of HBL
Office Information System of HBL
Working of MIS in different departments at HBL
Specifications of MIS at HBL
Hardware used by HBL
Softwares used by HBL
Database Management Systems
File Based Management Systems
Networking
Online Presence
Security & Backups
Recommendations
Future Plans
Conclusion
References
Page
HISTORY
HBL established operations in Pakistan in 1947 and moved its head office to
Karachi.
Our first international branch was established in Colombo, Sri Lanka in 1951
and Habib Bank Plaza was built in 1972 to commemorate the banks 25th
Anniversary.
With a domestic market share of over 40%, HBL was nationalized in 1974 and
it continued to dominate the commercial banking sector with a major market
share in inward foreign remittances (55%) and loans to small industries, traders
and farmers.
International operations were expanded to include the USA, Singapore, Oman,
Belgium,
Seychelles
and
Maldives
and
the
Netherlands.
On December 29, 2003 Pakistan's Privatization Commission announced that the
Government of Pakistan had formally granted the Aga Khan Fund for Economic
Development (AKFED) rights to 51% of the shareholding in HBL, against an
investment of PKR 22.409 billion (USD 389 million).
On February 26, 2004, management control was handed over to AKFED.
The Board of Directors was reconstituted to have four AKFED nominees,
including the Chairman and the President/CEO and three Government of
Pakistan nominees.
INTRODUCTION
Habib Bank Limited (HBL) commenced business in the year that Pakistan
gained independence and based the head office in the then capital city that was
Karachi.
HBL has international operations in Sri Lanka.
The Habib Bank Plaza, a historical monument for the people of Pakistan was
constructed in the early seventies after the separation from East Pakistan (now
Bangladesh) to mark the silver jubilee of the bank.
Due to the nationalization policies of the government in the seventies, HBL was
nationalized like MCB in the seventies.
HBL progressed in this period and had a huge market share of over fifty five
percent in remittances coming into the country.
It also makes personal loans and commercial loans to small and large
industrialists and also to the agriculture sector which is the largest business
sector in Pakistan.
HBL also expanded its overseas business to include the United States of
America and Asian countries like Oman and Maldives and Singapore and
European countries including Belgium and Holland.
Currently, HBL has the biggest distribution network in Pakistan with more than
fourteen hundred branches operating in the major cities like Karachi, Lahore,
and Islamabad, Rawalpindi and Peshawar and around two hundred other
locations which include both cities and small villages.
Today, HBL is present in around 24 countries in the world, including USA, the
UK and many Middle Eastern and European and African countries (HBL 2009).
CORE VALUES
Core Values of HBL are as follows:
Trust.
Focus on Customer.
Innovation.
Teamwork.
Achievement.
Social Responsibility.
Trust
We are the trustees of public funds and serve with integrity &
commitment. Ethical behavior is of critical importance to us.
We adopt full compliance with internal and external policies and
procedures, operating within the legal framework.
Focus on Customer
We continuously seek to exceed our customers expectations, forging and
maintaining long term relationships.
Innovation
We strive to be the market leaders in innovative products and services
offering customized financial solutions with flawless execution.
Teamwork
The diversity of our people is our strength.
We inspire and challenge each other working together to achieve
synergy.
Achievement
Our people are our most valuable asset.
Organizational Chart
Functions in HBL
Commercial banking.
Corporate banking.
Investment banking.
Retail banking.
Treasury banking.
Islamic banking.
Further Classification:
An information system can be categorized based upon activity into:
Strategic planning system.
Tactical information system.
Operational information system.
the use of funds over time using the information developed by the
MIS department.
Manufacturing management information systems
More than any functional area, operations have been impacted by
great advances in technology.
As a result, manufacturing operations have changed.
For instance, inventories are provided just in time so that great
amounts of money are not spent for warehousing huge inventories.
In some instances, raw materials are even processed on railroad
cars waiting to be sent directly to the factory.
Thus there is no need for warehousing.
Marketing management information systems
A marketing management information system supports managerial
activity in the area of product development, distribution, pricing
decisions, promotional effectiveness, and sales forecasting.
More than any other functional area, marketing systems relies on
external sources of data.
Human resources management information systems
Human resources management information systems are concerned
with activities related to workers, managers, and other individuals
employed by the organization.
Because the personnel function relates to all other areas in
business, the human resources management information system
plays a valuable role in ensuring organizational success.
Activities performed by the human resources management
information systems include, work-force analysis and planning,
hiring, training, and job assignments.
Name of customer
His address
Limit of loan which bank can give
Approval authority of loan
Date of giving loan
The expiry of deadline
The securities that the bank held against the loan
4) Fastness
Decision Support System is fast in responding with a high degree of user
control and interaction.
Types of Decisions Taken
1) Unstructured Decisions
This is the decision for which information provided by computer or men is not
complete but is a small portion of the total knowledge required to make a
decision.
2) Semi-structured Decisions
The decision made under a condition in which the information about problem to
be solved is not complete is called semi-structured decision.
CPUs
Monitors
Fax
Scanners
Printers
Keyboards
Mouse
1) DEPOSIT DEPARTMENT
Almost all the activities mentioned above are performed through
computer
The computer maintains all records of each and every client
Vouchers have been prepared and send to the MIS department for daily
transactions and making changes in customer's accounts.
Activity of account opening and deposit department are the followings:
Opening new accounts.
Maintain of deposits of the account holders.
Processing can stop payment instructions.
To give fresh cheque books.
To make amendments in the existing accounts.
Closing the accounts of accounts holders (if required).
2) CASH DEALING DEPARTMENT
The major functions of cash dealing departments are:
Cash receipts.
To cash cheques.
All the regarding date, account number, tile of account, balance of
account holder and the signature of customer have been verified through
computer.
3) REMITTANCE DEPARTMENT
The major functions performed by remittance department are:
Pay order.
Demand like drafts on need.
Post transport.
Telegraphic transfer.
Fax and telephone are the major source of performing such activities.
4) IMPORT DEPARTMENT
Three major functions performed by the import department:
L/C opening.
Lodgment of papers and documents.
Retirement of papers and documents.
Import department is considered to be one of the most important
departments of the bank. It handles the import licensing and imports of
merchandise.
Imports can be separated into two categories:
Industrial Imports.
Commercial and industrial Imports.
Export Promotion Bureau makes registration of imports, Document
required for sole proprietor partnership concern and limited concerns are
different.
5) EXPORT DEPARTMENT
Export is a major source of earning foreign exchange.
Every country wants to increase its exports because the foreign exchange
earned through exports can help in meeting the other needs of the
countries.
The computer keeps the records of each and every dealing which has
been made by the customer for import export purposes.
The records concerning his past and present performance and balance of
accounts helps to make further decisions whether to give him loan or not.
6) PERSONNEL DEPARTMENT
Personal department uses computer for smooth functioning of work.
The main functions performed by Personnel Department of Habib Bank
are:
Selection and recruitment.
Training and growth.
Job explanation and estimation.
Periodic review
Communication
7) MARKETING DEPARTMENT
Consumer satisfaction is the first and for most priority for the bank.
The marketing management makes policies for the better services of
satisfaction of consumer.
Hardware
HP Blade Server
Software
Operating System
Linux
Input
Financial Data
Output
Financial Statements
Processing
Batch Processing
Storage
Primary, secondary
Hardware at HBL
The part that cannot not be seen or touched is called hardware.
As the name represents hard means hard, so physical parts are called hardware.
The term hardware refers to machinery.
This category includes the computer itself, which is often referred to as the
central processing unit (CPU), and all of its support equipment.
This hardware includes:
Database Server.
Internet Server.
LCD Monitors.
Laptops.
Dot Matrix Printers.
Laser Printers.
Scanners.
Tape Drives.
Computers.
Generators.
Softwares
SOFTWARE USED BY HABIB BANK
Set of instructions given to the computer to solve a problem
The term software refers to computer programs and the manuals that
support them.
Computer programs are machine-readable instructions that direct the
circuitry within
The software of MOB has been kept different from same type of software so as
to prevent unauthorized entry.
Habib Bank used Kindle Banking System until 2001 in their Retail Banking
sector.
3) Servers:
MAIN SERVER:
THIN CLIENT(centralized)
Internet Server:
Database Server:
Application Server:
4) SUPPORTING SOFTWARES:
HBL uses following supporting software through them are performing their
work daily and that are:
MS WORD
MS EXCEL
MS POWER POINT
MS ACCESS
Name
Location
Approval authority of credit
Expiry/tenure
Securities
Sort of finance
DATA MANAGEMENT:
Managerial decision making is likely to be more effective when
managers are able to quickly access the data they need on demand.
Most of the other databases data has been stored on computer-files and
databases.
D a t a h a s b e e n p hy s i c a l l y s t o r e d o n a v ar i e t y o f m e d i a ,
i n c l u d i n g m a g n e t i c d i s k s , compact Discs and paper such as business
forms, memos and reports.
However it has been experienced that Computer based storage offers
several advantages over paper based storage, such as abilities to;
Store data compactly and efficiently
Quickly edit and modify stored data and make backup copies
In HABIB BANK all the data is directly stored in head office.
Information Technology department of HABIB BANK have a simple database
structure and use online processing/real time processing that transaction
S i mp l e a p p l i c a t i o n s o f t w a r e i s b e i n g u s i n g t o c o n t r o l , c r e a t e &
m a n a g e database.
WORKING:
H a b i b b a n k u s e s a f i l e pr o c e s s i n g s y s t e m w i t h d i ffe r e n t
c u s t o m e r f i l e s f o r example: checking, savings and loans. Often,
customers call the bank questions on s e v e r a l o f t h e i r a c c o u n t s .
S e r v i c e r e p r e s e n t a t i v e h a s t o g o t h r o u g h t h e f o l l o w i n g procedure:
Networking
Network Administrator
Telecommunications mangers and network managers/Network Adminis
tratorsare responsible for meeting the data communications needs of users in
the organization.
The increasing trend toward networking and distributed processing has
increased the i mp o r t a n c e o f t h e s e p o s i t i o n s .
A l l t h e w o r k s t a t i o n s w i t h i n t h e B a n k a r e c o n n e c t e d through
Local Area Network (LAN).The bank has over 101B r a n c h e s a l l o v e r
t h e country which have been linked through Microwave or Phone lines,
Satellites and most of the connections have been provided byPTCL.
Connectivity
Routers
Switches
Model S3000-S3500
Power Cable
ONLINE PRESENCE
HABIB BANK has online presence. We can get data from the web & also
discussed our problems through mail.
ONLINE FACILITIES:
Availability of DEBIT and CREDIT.
Cash withdrawal and deposit.
Transfer of funds.
There are mainly two persons involved in online transitions to make tem
successful.
The initiator (transaction creator) and the supervisor (supervising the
transaction process).
O n - d e ma n d p r i n t i n g o f " i t e m s o f v a l u e " ( s u c h a s m o v i e t i c k e t s ,
Tra v e l l e r s Cheques, etc.)
Dispensing additional media (such as phone cards)
Co-ordination of ATMs with mobile phones
Customer-specific advertising
Integration with non-banking equipment
C.C.TV:
Creating duplicate copies
Duplicate copies of all data are used and all original data are placed at the
website of HBL Ltd Pakistan. There is such distance between the original and
duplicate data.
Contingency Plans
Contingent plans are used to protect the hardware data. If any problem occurs in
the hardware system then there will be no difficulty for the data. It means
that protect data in the hardware system.
Storage Devices
Primary and Secondary storage devices are also used in the process to protect
and save the important information from loss or misuse. Often the master file is
stored on these devices while the users are provided access to the duplicate file.
Master file containing the permanent information is updated during processing
by transaction data.
The External Storage devices that are used in the Department are:
RAID.
DVDs.
CDs.
Hard Disk Moveable
MIS PERSONNEL
The MIS personnel can or cannot be non IT persons.
The Information SystemManager is present in all department of the bank.
The Management Information System(MIS) Manager looks after the I.T Staff
and controls their operations, the planning andimplementation of System
Development Life Cycle also is done by the Information Sy s t e m
M a n a g e r.
F o l l o w i n g a r e t h e j o b t i t l e s o f p e o p l e w h o i n t e r a c t di r e c t l y
w i t h managers and users and in general manage the whole information
system-althoughthese are not the only personnel working the I.T Department,
many other job titles may be found within this area.
System Analysts:
S y s t e m A n a l y s t s a r e t h e t e c h n o l o gy p r o f e s s i o n a l s c h a r ge d w i t h
a n a l y z i n g , designing and implementing large computer-based information
systems.
Because theyare the crucial interface among users, upper management, and
programmers, they must be skilled in business, computers, and other
technology-based areas.
They must also possess good interpersonal communication skills as
they are the one who basicallyhave to communicate with the
employees of the organization and perceives whatever they may need in
the Information System that is being designed.
Programmers
The computers professional who are specifically charged with writing
computer programmers are called programmers.
Some of the types of programmers are maintenance programmers, and systems
programmers.
Application Programmers:
Code applications programs-the software that serves the direct
needs offend-users.
Generally it is the systems analyst who initially specifies what programs
needed must do.
Armed with a set of formal-often technical-specifications from the
analyst, theapplications programmer then write programs from them.
System Programmers:
Code the systems software that controls the operation of computer
hardwareand makes it possible to run applications programs.
MIS Management:
A t t h e t o p o f t h e c o m p u t e r h i er a r c h y a r e M I S e x e c u t i v e s .
I n H a b i b B a n k Limited I.T Managers or I.T Director is at top of the I.T
Department Hierarchy.
TheseMIS executives oversee the full range of MIS-related activities, including
TransactionP r o c e s s i n g w h i c h t r a d i t i o n a l l y a c c o u n t s f o r t h e l a rge s t
s h a r e o f t h e i n f o r m a t i o n processing- as well as telecommunication, data
administration, and end-user support.
Application software
It includes user-oriented programs.
Application software includesthe programs, software packages, and tools
needed for such specific, end-user-orientedtasks as billing, accounts receivable,
word processing, payroll, database management.
Two main categories of application software exist.
1) General-purpose application software
It includes programs and packages that are beingused by workers in the
organizations subunits such as word processing spreadsheets,database
or file management, and presentation graphics.
These are more likely to be purchased externally than developed internally
by the organization.
2) Special-purpose application software
It includes programs and packages that supportthe activities of workers
in a particular subunit.
Conclusion
The Oracle E-Business Suite is a top of the line application software used by
businesses around the world.
Oracle is a software company renowned for providing its customers with
excellent softwares that provide fast, easy and efficient business information
and support systems which play a vital part in operational running of a business
and coming up with improved business solutions.
HBL aims to keep its business in line with the top banks and corporations of the
country and therefore, it has chosen Oracle E-Business Suite as the application
software that manages and supports its business applications. The Oracle GL
has the important task of maintaining General Ledger Balances of the bank from
around the country and generating reports and financial statements on a daily
basis.
HBL is clearly the first choice of every one who believes in qualitativeapproach
of banking an environment of highly responsible people.
Bank is enjoying a healthymarket share and taste of good status interms of its
operative features and customer support.
HBL is clearlythe best bank operating in Pakistan.
Personal loan is a distinguished feature of HBL experiencing agood reputation
and reasonable markup with respect to prevailingmarket mark up with assurance
of satisfaction and support.
HBL hasmore customers as compare to other banks, if they give properattention
to every customer then in few years it will be the leadingbank of thecountry.
References
www.Habib Bank limited Pakistan)
http://www.virginia.edu/integratedsystem/howdoi/HTML/NAV3018U.
http://thesisstation.com/thesis-introduction-habib-bank/