Final Presentation

on

Presented To : Sir Ejaz Mustafa

Presented By
Shehzaib Sunny Jaweria Akhlaq
Taimoor Ahmad Tahir Sultan
The Power to Lead
Taimoor
 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 A-

1+ (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 Grade-

III
Jaweria
 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 it’s 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.
Shehzaib
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 Profit per annum

1 Year 12%
3 Year 14%
5 Year 15%
10 Year 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 Banker’s 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
Self-Employed
Salaried
Businesspersons/
Individuals
Professionals
Citizenship Pakistani Pakistani
Age 22-60 years 22-65 years
Minimum
Rs. 20,000 Rs. 25,000
monthly Income

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
Self-Employed
Salaried Individuals Businesspersons/
Professionals
Citizenship Pakistani Pakistani
Age 22-60 years 22-65 years
Minimum monthly
Rs. 20,000 Rs. 25,000
Income
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 don’t 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  GreenCard
Minimun Gross salary
Rs.50,000 Salaried individuals Rs.15,000

Rs.180,000 Self-employed business Rs.25,000

persons/professionals 
RupeesCredit limit range
Rs.150,000 Minimu Rs.20,000
Rs.500,000 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 HBL’s
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- Daughter’s Marriage
 HBL Fast Transfer

HBL Fast Transfer lets you receive your remittance

instantly and absolutely free. HBL - Pakistan’s 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
Tahir
 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
Pharmaceuticals
Leather FMCGs
Gas
Fertilizer

Sugar
telecom

Textiles

Power Petrochemicals
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
• HBL’s 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.

• HBL’s 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