Final Presentation on

Presented To : miss munazza.

Zeeshan shehzad zahoor

Presented By Abdullah shahnawaz

The Power to Lead

zeeshan

Introduction
HBL was the first commercial bank to be established in Pakistan in 1947. HBL is one of the largest Banks of Pakistan with having 1,450 branches across the country & a customer base exceeding five million relationships & having total assets of Rs. 434,931,930,000. The Government of Pakistan privatized HBL in 2004.

History

History
Mohammad Ali Habib was the founder of this bank

The first branch of HBL started functioning on 30th August, 1941 at Muhammad Ali Road Bombay, where Quaid-e-Azam Muhammad Ali Jinnah first of all opened his personal account
With a domestic market share of over 40%, HBL was nationalized in 1974.

History
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).

Habib Bank Limited Rating

HBL is currently rated AA (Long term) and A1+ (Short term) and has a balance sheet size of USD 10.2 billion. It is the first Pakistani bank to raise Tier II Capital from external sources.

Vision
Enabling people to advance with confidence and success

Mission
To make our customers prosper, our staff excel and create value for shareholders

OBJECTIVES OF HBL
To earn profit for the Bank itself and for its shareholders. To promote and boost up business sector inside the country. To provide employment opportunities to people. To help in development and industrialization of the country. To provide loan and advances to help out in self employment schemes.

CORE VALUES OF HBL

Humility Integrity

Meritocracy
Teamwork Culture of Innovation

STRUCTURE OF HBL
A well-developed and properly coordinate structure is an important requirement for the success of any organization.
At present the Bank operates through one central and 23 Regional Offices and 1439 branches, all over Pakistan. Each Regional Head Quarter is headed by a Chief Executive and assisted by General Manager Operations and General Manager Support Services. The Regional Head Quarter controls the branches in their area.

STRUCTURE OF HBL

Overseas operations consist of 65 main branches, two affiliates, two representative offices and two subsidiaries. President, from Head Office at Karachi controls the officers of the Bank with the help of the senior management.

STRUCTURE OF HBL
Functional responsibilities of the Banks are broken into seven groups know as International Operations Group Corporate Banking and Treasury Investment Group Retail Banking and Operation Group Finance, Audit and Administration Group Assets Remedial Management Group Credit Policy Group Corporate Bank, Financial Institutions and Project Finance Group

Organizational Chart of HBL

President

Senior Executive Vice President

Executive Vice President

Senior Vice President

Vice President

Assistant VicePresident

Officer Grade-I

Officer Grade-II

Officer GradeIII

Abdullah

Departments of HBL

Deposit department Clearing Departments Inland Remittance Department Bills Departments Advances Departments CD Department Foreign Exchange Department

FUNCTIONS OF DIFFERENT DEPARTMENTS OF HBL

Accepting deposits Making Loans and advance.

Accepting Deposits

Current Deposits Profit and loss sharing account (Saving) Fixed deposits

Making Loans and advances

Demand Finances Running Finance Over Draft Discounting bills of Exchange

SWOT ANALYSIS
Strengths Goodwill & historical background First bank which started the scheme of personal loan. HBL is Pakistan's largest commercial bank with domestic network of 1,425 branches with an international network of 48 branches in 26 countries HBL has focused more on its marketing through using both BTL & ATL activities.

SWOT ANALYSIS
WEAKNESSES E banking and IT department is not that strong as compared to other banks. Centralization can be considered as weakness for HBL. Customer Relationship Management is still comparatively weak Discouragement from the government in case of deposits and opening of bank accounts

SWOT ANALYSIS

OPPORTUNITIES Opportunities for growth and expansion in cash management. Faster market growth represents opportunity to grow and diversify Large deposit base and funds flow can help to avail related market opportunities

SWOT ANALYSIS
THREATS Adverse & unstable government policies Political instability in country New and small banks in Pakistani banking industry i.e. Standard Chartered Bank, Faisal bank are considered as a threat for HBL. Downfall of Economic situation in country

COMPETITIVE ANALYSIS
According to HBL perspective ALLIED bank is considered to be an important competitor due to its strong e banking. There networking systems and IT department is very strong as compared to HBL. National bank is competitor for HBL because national bank comes under government.
MCB is also an other competitor because the rates they are offering are much high as compared to HBL. Small banks are considered to be strong competitor because they are more focused towards Individual customers market compared to the Business Customers, which make them the direct competitors of HBL.

shehzad

Products & Services

Individual Customers
Deposits Account HBL Car loan HBL Car To Car HBL Credit Cards HBL Debit Cards Bancassurance HBL Fast Transfer HBL Phone Banking

Deposits Account
HBL offers a wide range of accounts suited to meet individual customer needs. 1) Term Account 2) Current Accounts 3) Savings Account 4) Foreign Currency Account

1)Term Account

Customers can invest savings in HBL term deposits for a fixed duration and earn profit while keeping their savings secure. HBL Advantage Account Investment Plus Deposit

HBL Advantage Account

Term
1 Year 3 Year 5 Year 10 Year

Profit per annum

12% 14% 15% 18%

Multiple options for tenure and profit payout Loan facility up to 90% of investment Minimum investment of Rs. 25,000 Withdrawal at end of fixed term

Investment plus Deposit

Account for Institutions Multiple options for tenure and profit payout Profit paid at maturity Minimum investment of Rs. 20 million Withdrawal at end of fixed term

2)Current Accounts

1. HBL Freedom Account 2. HBL Business Value Account 3. Current Account 4. Basic Banking Account (BBA)

HBL Freedom Account

Customer can use money as please with HBL Freedom Account. On a monthly balance of Rs. 25,000 or more free services including:

Free cash withdrawal & deposit transactions through any HBL branch Free online funds transfer transactions Free Bankers Cheques Free HBL cheque deposit transactions at any HBL branch Free cheque books Free duplicate account statements Free debit card issuance (for individuals and sole proprietors) Free ATM transactions through HBL network Free SMS alerts on transactions above PKR 25,000/- (for individuals and sole

HBL Business Value Account

Unique transactional account for Businessmen Profit calculated daily, paid every quarter No minimum balance requirement Nominal monthly maintenance charge of Rs. 50 HBL Debit Card and Inter Branch Transaction System (IBTS) facilities Funds transfer to any bank through HBL Phone Banking

Current Account

Minimum balance of Rs. 5,000 Unlimited transactions Non-profit bearing HBL Debit Card and Inter Branch Transaction System (IBTS) facilities Funds transfer to any bank through HBL Phone Banking

Basic Banking Account (BBA)

Can be opened with only Rs. 1,000 No minimum balance requirement Up to 2 withdrawal and 2 deposit transactions free every month Unlimited withdrawals through HBL Debit Card Non-profit bearing

3)

Savings Account

HBL Value Account PLS Savings Account Remittance Munafa Plus Savings Account Daily Munafa Account Daily Progressive Account

HBL Value Account

7.19% profit per annum Profit calculated monthly, paid every quarter Deposit ranges from Rs. 10,000 to Rs. 1,000,000 Two withdrawals free every month

PLS Savings Account

5.06% profit per annum Profit paid bi-annually HBL Debit Card and Inter Branch Transaction System (IBTS) facilities Funds transfer to any bank through HBL Phone Banking Minimum balance of Rs. 20,000 Unlimited transactions

Remittance Munafa plus Savings Account

Special account for receiving foreign remittances 5.12% profit per annum Profit paid every month Minimum balance of Rs. 20,000

Daily Munafa Account

Profit calculated daily, paid every month Up to 8.84% profit per annum HBL Debit Card and Inter Branch Transaction System (IBTS) facilities Funds transfer to any bank through HBL Phone Banking Minimum balance of Rs. 20,000

Daily Progressive Account

Unique transactional account for Institutions Profit calculated daily, paid every month Up to 11.57% profit per annum Inter Branch Transaction System (IBTS) facility Funds transfer to any bank through HBL Phone Banking Minimum balance of Rs. 20,000

HBL Car loan

HBL Car Loan helps customers get their preferred car through a simple and hassle-free process, backed by superior service and support. Choice of used, new local/imported and reconditioned imported car Features : Repayment options ranging up to 7 years. Up to 85% of financing for the car of your choice. Insurance at all times for complete peace of mind and security. Round the clock support available through HBL Phone Banking.

Eligibility Criteria
Salaried Individuals
Citizenship Age Minimum monthly Income Pakistani 22-60 years Rs. 20,000 Self-Employed Businesspersons/ Professionals Pakistani 22-65 years Rs. 25,000

Documentation Copy of CNIC 2 recent passport size photographs Latest original salary slip and personal bank statement for last 3 months for salaried individuals Bank statement for last 6 months and bank letter confirming details of account and proof of business for self employed businessman

HBL Car To Car

Pay only for what you use Upgrade of lifestyle Affordability Flexibility

Eligibility Criteria
Salaried Individuals Citizenship Age Minimum monthly Income Pakistani 22-60 years Rs. 20,000 Self-Employed Businesspersons/ Professionals Pakistani 22-65 years Rs. 25,000

Documentation: Copy of CNIC 2 recent passport size photographs Latest original salary slip and personal bank statement for last 3 months for salaried individuals Bank statement for last 6 months and bank letter confirming details of account o Proof of business for self employed business persons

Benefits of HBL Credit Cards

Affordability :Buy now, pay later or Pay as much as you want Flexibility :Cash advance & Balance transfer facility Security :You cannot lose cash if you dont carry it! In the event that customer card gets stolen/lost, call HBL Phone Banking to have card blocked immediately. Convenience SMS alerts,24/7 access to HBL Phone Banking, Statement by email, Statement by fax, Internet banking, Mobile top-ups ,Utility bill payments, Internet shopping Supplementary cards

Benefits of HBL Credit Cards

Gold Card
Minimun Gross salary

GreenCard

Rs.50,000
Rs.180,000

Salaried individuals

Rs.15,000

Rs.150,000 Rs.500,000

Self-employed business Rs.25,000 persons/professionals RupeesCredit limit range Minimu Rs.20,000 Maximum Rs.149,000

HBL Debit Card

No Interest Ease & Security No Liability International Recognition& Acceptability Spending Limits 24 hour Customer Service Global Customer Assistance Service

Bancassurance

HBL and New Jubilee Life Insurance Company Limited (NJLI) introduce Amaan (Retirement Plan) and Tabeer (Child Education & Marriage). These products have been designed keeping HBLs customer base as the focus and will provide life insurance along with an investment option. Amaan - retirement plan Tabeer- Child Education

Amaan - Retirement Plan

Tabeer- Daughters Marriage

HBL Fast Transfer

HBL Fast Transfer lets you receive your remittance instantly and absolutely free. HBL - Pakistans largest banking network - provides unmatched convenience and a confirmation SMS to inform you that your money is ready for collection.

HBL Phone Banking:

HBL Phone Banking services for Deposit Account customers HBL Phone Banking services for HBL Car To Car and Car Loan customers Mobile phone prepaid vouchers

shahnawaz

Business Customers
Long history of being a partner of growth for business and industry Annual Turnover between PKR 50 million to PKR 300 million

The Corporate Banking Group focuses on personalized services to large corporate borrowers who need tailored facilities
Active player in a multitude of sectors

Business Customers
1Corporate Banking 2Commercial Banking

3Investment Banking
4Zarai Banking

Pharmaceutical s

Leather

FMCGs
Fertilizer

Gas
Sugar
telecom Textiles

Power

Petrochemica ls

Aviation

oil

automotive

Corporate Banking

Range of solutions for your business NEED If you are a corporate customer, with a turnover of at l PKR 300 million, HBL have a range of solutions designed to help customers with banking needs

Corporate Banking
Services Working Capital Finance, including Overdraft, etc. Pre and Post Shipment Export Financing (PKR and USD based) Import Financing (PKR and USD based) Receivable Discounting Islamic Banking facilities Cash Management Services Letter of Credit.

Corporate Banking
1) Cash Management HBL offers a comprehensive platform for customers to avail Cash Management Services throughout Pakistan. HBL Cash Management Services reduce the cash turnaround of your company, thereby making it cost efficient.

Corporate Banking
2)Islamic Banking Islamic Banking is a growing market segment that offers attractive opportunities to potential and existing customers. At HBL, Islamic Banking offers Shariah compliant products and services to meet the short and long term requirements of business, trade and industry.

Shariah Compliance HBL Islamic Banking products are in strict compliance with the tenets of Shariah and bear Shariah Compliance Certification from an independent Shariah Advisor.

Corporate Banking
Products and Services

Commercial Banking
HBLs Commercial Banking Group targets medium sized companies with a turnover of at least PKR 50 million. HBL business units are located in Karachi, Lahore, Faisalabad, Sialkot, Gujranwala and Peshawar. Each unit is dedicated to service business clusters located within these cities.

HBLs have the ability and the resources to meet the needs of your business with our pro- active, responsive and experienced Relationship Managers who are committed to understanding your business.

Commercial Banking
Services: Working Capital Procurement of Inventory Receivables Procurement of Machinery Expansion of production facilities Import of raw materials Exports Guarantees

Investment Banking
HBL offers full-service Investment Banking capabilities to its clientele. This year alone, HBL has closed over thirty transactions with a cumulative worth of over USD 2 billion. The Investment Banking Group functions in three specialist business areas: Project Finance, Debt Capital Markets & Syndications Equity Capital Markets & Advisory.

Zarai Banking
HBL Zarai Banking facilities are spread across the country and provide financing through more than 800 of our branches. HBLs presence in all agriculture belts of the country ensures easy access to farmers in rural areas. HBL Zarai Banking provides loans to small-scale land owning farmers as well as large institutionalized and alliance based finance, enhancing agricultural harvest and, in turn, economic output of the country.

Products
Crop Inputs Farm Implements Tractors/Agricultural Vehicles Livestock Poultry Fish Farming Group Lending Tobacco

Conclusion

Q&A Session

Thank you