INTRNSHIP REPORT

Final Report
Submitted By: TAIMOOR RIAZ
13044954-030
( M.com)

Submitted To:

INTERNSHIP REPORT
HABIB BANK LIMITED

HABIB BANK LIMITED (HBL)

TAIMOOR RIAZ
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INTERNSHIP REPORT
HABIB BANK LIMITED

ACKNOWLEDGEMENT
I am very much thankful and presents salute to many individuals who have helped me
in shaping this report .I am also very much thankful to lot of former fellows and existing
colleagues who took the time and trouble during the last few days to speak to me about
the way this text could be further improved.
I am also very thankful to the staff of HABIB BANK LIMITED ADDA PAHRRIYANWLI
BRANCH; especially to Mr. Muhammad Shakeel (Branch manager) who provided me
an opportunity to work in friendly environment.
Special Thanks To:

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Branch Manager

Mr. Muhammad Shakeel

Manager Operations

Mam Mehwish Mubeen

INTERNSHIP REPORT
HABIB BANK LIMITED

Dedication
This final report dedicated to my parents, teachers
and supervisors who have supported us all the
way since the beginning of our studies. There
support and encouragement is always a motivation
and inspiration for me.
Finally, this long internship report is dedicated
to

all

those

learning.

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who

believe

in

the

richness

of

INTERNSHIP REPORT
HABIB BANK LIMITED

TABLE OF CONTENTS
Serial

Particulars

Page No.

Executive summary

Introduction

10

History

11

Privatization

13

Brand, vision, mission &values

14

Organizational Chart

15

HR policy of HBL

16

Products for individual Customers

25

Credit cards

24

Home loan

25

Banc-Assurance

26

Debit card

27

Phone banking

35

Deposit Account

31

1. Term Account

31

2. Current account

31

a. HBL Business value Account

32

b. Freedom Accunt

32

c. Basic Banking Account

33

3. Saving Account
a. HBL value Account
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33
34

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b. PLS-Saving Account

34

c. Daily progressive Account

35

d. Foreign Currency Account

35

I.

FS-SB

35

II.

HYFFB

36

e. HBL Money Club

36

Islamic& Corporate Banking

39

1. Islamic Banking
a. Sharia Compliance

39

b. HBL Al-SAMARTA ACCOUNT

40

c. HBL AL-MUKHTAR ACCOUNT

40

d. HBL AL-IRTAFA ACCOUNT

40

2. Corporate Banking

10

11

39

41

a. Commercial Banking

42

b. Investment banking

43

c. Debit Capital Market

43

d. Equity & Advisory

44

e. Zarai Banking
Clearing Department

44
48

a. Outward clearing

48

b. Inward clearing
Types of Cheques

49
50

a. Transfer Cheque

50

b. Transfer delivery Cheques

50

c. Clearing Cheques

50

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12

Remittance Section

51

a. Within locality

51

13

b. Outside locality
Types of Advances

51
52

14

a. Running Finance (over draft)

Work as an Internee in HBL

53
54

15
16
17
18

a. Introduction & nature of my branch

54

b. Structure of branch

55

c. Work experience

56

d. My Asignment

57

SWOT Analysis
Conclusion
Recommendations
References

58-61
62
63
64

EXECUTIVE SUMMARY
The internship report begins from the introduction and history of Habib Bank Limited of
Pakistan.

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HABIB BANK LIMITED
Bank mission and vision statement shows that it focuses on the performance of bank
and quality of service and products.
The main aim of the bank is to realize the real value of its customers and is profitoriented.
HBL bank provides services to individual as well as corporate customers.
Main products to the individual customers are:

Credit Cards

Home Loan facility

Personal Loan facility

Deposit Accounts

Bank Assurance

Debit Cards.

Phone Banking

Fast Transfer of money

For corporate customers following product is available:

Corporate Banking

Commercial Banking

SME Banking

Global Treasury

Investment Banking

Cash Management

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HABIB BANK LIMITED

Zarai Banking

Asset Management

Bank performs basic functions that are following:

Accept money as deposit.

Investing deposits to earn profit

Miscellaneous functions.

Every branch of the bank is divided into different sections on the basis of following
basic functions.

Deposit Section opens various accounts of clients & maintains the record of
money deposits by the customer and then credited it into his account. They also
maintain record of payment to the customer when he presented the cheque to
the bank.
Remittance and Collection Section deals with those customers who
want to transfer or collect their money from other city.
Clearance Department deals with the clearance the other banks cheques &
also the cheques can be cleared from any branch of the bank.
I also make the SWOT Analysis of Habib Bank Ltd.which shows that the bank has
many Strengths and Weaknesses along with lot of Opportunities & there are number
Threats the bank also faces.
I have also given Horizontal as well as ratio analysis of the organization.
After the analysis of the bank, I suggested and recommended some improvement that
how bank can improve its working.

PART : 1
INTRODUCTION OF Habib Bank Ltd

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HABIB BANK LIMITED
Habib Bank Ltd. was the IST commercial bank that is established in
Pakistan in 1947. Over many years, Habib Bank Ltd has grown its
branch network & become the largest private sector bank with over
1,500 branches across the country .With an existence in 25 countries,
subsidiaries in Hong Kong and the UK, affiliates in Nepal, Nigeria,
Kenya and Kyrgyzstan and rep offices in Iran and China, Habib Bank
Ltd is the largest domestic multinational bank. The Bank is expanding
its existence in principal international markets including the United
Kingdom, United Arab Emirates, South and Central Asia, Africa and the
Far East. Core area of operations product offerings and services is
Retail and Consumer Banking. Habib Bank Ltd has the largest
Corporate Banking portfolio in the Pakistan with an active Investment
Banking

arm. Small

Medium

Enterprise

and Agriculture

lending

programs and banking services are offered in urban and rural areas.
Head Office
HBL Plaza
I. I. Chandigarh Road
Karachi-75650, Pakistan
Registered Office
4th Floor, Habib Bank Tower
Jinnah Avenue
Islamabad, Pakistan

OVERVIEW OF THE ORGANIOZATION:

The overview is described as;
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History of Habib Bank Ltd
Pakistani leader Quaid-e-Azam Mohammad Ali Jinnah, address that the
significance of financial mediation while he was candidacy for the formation of
a detach motherland for the Muslims of India. Quaid-e-Azam Mohammad Ali
Jinnah argue that the family of Habib creates financial bank that could serve the
society of Muslim of India. Their first step is the formation of Habib Bank Ltd in
the year of 1941, with the fixed capital of Rs. 25,000.
Habib bank played a vital role in transformation of capital from the Muslim
society to finance the campaign of All-India Muslim for the Pakistan formation.
Habib Bank also act an vital role in means to relief funds to Muslims hurt in the
communal riots and violence that preceded the departure of the British from
India.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 Plaza of Habib Bank built in 1972 to celebrate the banks 25th
Anniversary. With a 40% of total local market share, in 1974, Habib Bank Ltd.
was nationalize and it is continually rule the main market share of incoming
foreign remittances (55%) of sector of commercial banking sector and advances
allows to traders and small medium enterprise and cultivator. Global operations
are expanding which include the Singapore, USA, Netherlands, Oman,
Maldives, Seychelles and Belgium.

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PRIVATIZATION OF HBL
Pakistan's Privatization Commission, On December 29, 2003 announced that
the Pakistan Government had officially approved the Aga Khan Fund for Economic
Development (AKFED) constitutional rights to 51% of the shareholding in HBL, against
a PKR 22.409 billion (USD 389 million) investment. Management control is transfer to
AKFED On February 26, 2004, The Board of Directors reestablishes to have four
AKFED candidates, including the Chairman and the President/CEO and three
Government of Pakistan nominees.
Habib Bank introduced financial products such as Credit Cards, Travelers
Cheques, ATMs, etc. to the financial market of Pakistan. Today, Habib Bank is truly
the bank of the people, give its client satisfaction and convenience all around the
world. HBL act as a vital role in Pakistan's economic and financial development .

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HABIB BANK LIMITED

MISSION AND VISION AND BRAND,

MISSION:

To make our customers prosper, our staff excel and create value for
shareholders
VISION:
Enabling people to advance with confidence and success

BRAND:
Our brand identity is the outward expression of what we stand for as an
organization. This is summarized in our vision, mission and is supported by our
values

4.2:- Nature of the organization:-

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HABIB BANK LIMITED
Habib bank limited was integrated in Pakistan in 1941 with the fixed capital of 25000
and is listed on the state bank of Pakistan. The bank is busy in providing commercial banking
and related services in Pakistan and overseas. Habib bank limited also provides services as
trustee to National investment Trust (NIT) including safe custody of securities on behalf of NIT,
under a Trust Deed.

4.3:-Business volume:Habib bank limited is the biggest financial institution with assets with 1287 local and 24
foreign branches. Remaining things are below;

Year

Year

Year

Year

Year

2009

2010

2011

2012

2013

Income

33.7$

34.3$

36.5$

40.2$

58.24$

Expenditure

32.7$

34.8$

36.4$

38.2$

52.5$

Pre-Tax Profit (Loss)

18.03$

25.52$

37.14$

45.995$

60.26$

Total Assets

70.7$

150.4$

225.9$

310.6$

374.1$

Deposits

116.5$

225.8$

275.4$

305.9$

335.9$

ITEMS

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HABIB BANK LIMITED
Advances

140.3$

145.6$

160.5$

170.6$

185.9$

Investments

80.4$

91.5$

102.9$

105.5$

110.2$

4.4:-REWARD HONOR AND SUCCESS:

Bank of the year - 2001, 2002, 2004, 2005 & 2008 by The Banker magazine,

London
Habib bank limited received the Worlds Best Foreign Exchange Bank award by

Global Finance - 2008.

Among the top banks in Emerging Markets, Global Finance, May 2003.
The bank with highest return on Capital in Asia and No. 8 in the world. The banker,

July 2003.
HBL the only Pakistani bank to be ranked amongst the top 100 banks of Asia, Euro

money, March 2005.

Best Foreign Exchange Bank in Pakistan for the year 2004, 2005 & 2006, Global

Finance.
WEBCOP AASHA, on alliance against gender discrimination at workplace,
presented

Recognition

Award-2004

for

having

Gender

Sensitive

Management.
Kisan Time Award 2005 for HBLs Services in the Agricultural.
10th Best Bank in terms of Profit on Capital in the World, the Banker, July 2005.
HBL listed amongst the Regions Largest Banks, and also amongst the largest

banks in Asia in 2005, the Asian banker.

Best Bank award 2005, Global Finance.
Among top banks in the award for the best return on capital for 2006 amongst all
banks in Asia, by the banker magazine, July 2007.

PRODUCTS OFFERED BY HBL:

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HABIB BANK LIMITED
There are some following products offered by HBL to its customers
Products offered to individual customer:

Credit Cards
Home Loan
Personal Loan
Deposit Accounts
Banc-Assurance
Debit Card
Phone Banking
Fast Transfer
Mutual Funds
Salary Plus

A. CREDIT CARDS:
CHARACTERISTIC:
Security:
Customers cannot lose cash if they do not carry it! In case if customer
credit card is misplaced or stolen, then the customer may call HBL Phone
Banking to inform about the misplaced of their card and blocked the card
instantly.
Characteristic:
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HABIB BANK LIMITED
Alert through SMS.
For all Cr. Card transactions, the customers can receive SMS alerts.
Access to Phone Banking of HBL is 24/7
Account statement may be send by e-mail :
Monthly billing statement receive through email

CREDIT CARD TERMS & CONDITIONS

Gold Cr. Card
Rs
50000
180000

Particular
Gross Salary Minimum Require
Individual Salaried
Self-employed professionals\business

Green Cr. Card

Rs
15000
25000

Rs
150000
500000

personnel
Range of Credit Limit
Minimum
Maximum

Rs
20000
149000

1.

Home Loan:

HBL offer financing options to customer to repair or buy a new house current house.
There are certain details available about plan description for the help of the client
are as follow

Buy Outright
Indefinite

Descriptors

Home Expansion /

Loan possession

Repair
3 to 20 years

transactions***
PKR 300,000 to PKR Loan amount

PKR 300,000 TO PKR

15,000,000

5,000,000

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HABIB BANK LIMITED
85%

Maximum

financing

amount 70%

(as % of appraised value of the

property)
Property lease(years remaining at 5 years

5 years

the time of loan maturity)

Allow by the Bank
Property insurance
Allow by the Bank
Primary applicant and Life insurance(through HBL by the Primary applicant and coco-borrower

insurance

company

on

HBLs borrower

panel)

2. PERSONAL LOANS:
Personal loan is allowed for better education and for wedding events. Personal
loan allowed by HBL for customer to meet their financial needs.
HBL offer easy term for personal loans
Benefits and Characteristic Personal loans:
Approval for processing fee
12 months to 60 months tenures for repayment
Ranging of amount Loan from PKR 25,000 to PKR 2,000,000
HBL Phone Banking access 24/7
Available complete facility after each 12 months
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Life insurance is absolutely free

Basic documentation and criteria:

Applicant should be
At the time of loan application 21 years or more
At the time of loan maturity 61 years or less
Necessary documentation is list below:
Original copy of CNIC should be verified

Lawful Agreement

3. BANCA-ASSURANCE
Habib Bank Ltd. & New Jubilee Life Insurance Company Ltd (NJLI) jointly
introduces Tabeer (Child Education & Marriage) and Amaan (Retirement Plan). These
plans are used to retain customer to the focus and provide life insurance policy with an
savings option.

a) AMAAN
This is a pension plan, which provides facility for growth due to investment in
a portfolio balance with post-retirement income facility. This plan comprises on life
insurance and gives desirable investment returns to its client.
CRITERIA FOR ELIGIBILITY

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HABIB BANK LIMITED
Adequate age

18 years 60 years

Minimum payment

PKR 2,000 \ month

Facility on accidental death

PKR 800,000 will compensate along with

other facility.

Partial withdrawals

Allowed

Facility on death

PKR 200,000 will compensate along with

other facility.

Minimum age to apply pension plan

Age of 55 years

a) TABEER (CHILD EDUCTAION & MARRIAGE PLAN):

The plan, which provide facilities to parents that they accumulate a fund for a
specified period of time, So they able to pay fees of childs education or for their
weeding. This plan can be exercise by both over and under age of 45 years.
CRITERIA OF ELIGIBILITY:

Adequate age

18 years 60 years

Minimum payment

PKR 3,000\month

facility on accidental death

Besides other benefits, PKR 500,000 shall

be pay for the wedding of the selected
female child; the age of female child must
be is at least 18 years.

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HABIB BANK LIMITED
Part withdrawals

Acceptable

Maturity facility

Two plans available:

A. Policy can be in totally cashed
B. Funds are paid back according to the
opinion of policyholder's.

4. DEBIT CARD
HBL Visa Debit Card allows customers to pay for their purchases directly from
their bank account. He does not have to carry cash and his monthly statement provides
him with a complete record of all his transactions so he can manage his expenses with
ease.
CHARACTERISTIC:

Interest is not paid

Security & Ease of use
No Liability allow
Global Acceptability and Recognition
Limits of Spending
Customer Service is available 24 hour

No interest paid:
The best way of giving for the purchases of the products is HBL Visa Debit Card
because it provides approach to the correct amount of money that customers need, as

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HABIB BANK LIMITED
and when they need it. No interest or credit on payments is paid because they use the
money that is available in their personal account.

Ease & Security:

HBL Visa Debit Card provides ease and convenience to those customers who
do not like to go to an ATM to extract money. It is a safe mode to withdraw money
because it reduces to hold money. One swipe will automatically debits the accurate buy
amount from the customer personal account.

Global Acceptability and Recognition

At 50,000 commercial around Pakistan and over 30 million global trader for
customer daily buying through HBL Debit Card. As well as to 3,700 ATMs
nationally and 1.4 million ATMs globally, HBL Debit Card assist customers to
withdrawal much more than just cash, e.g. funds shift to make utility bill, mobile
bill payment, and production of small statement.

Limits of Spending:
The range of daily use of limit at various outlets and shops on HBL Visa Debit
Card is PKR 100,000.

Global assistance of customer service:

When tour to foreign, HBL Visa Debit cardholders obtain global support 24 hours
per day, 7 days in week from the national Visa Global Customer Support facility .

5. DEPOSIT ACCOUNTS
Deposit account can be current a\c, saving a\c and various kind of bank a\c, at a
banking association, which let the client to withdrawn and deposited the money by the
account holder. Transactions are record in the books of bank, & the follow-on balances
are record like a liability for bank and denotes the amount payable by bank to its

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clients. Banks charge fee to provide service to its customer, as others may perhaps
give the client interest on deposited funds .

A TERM ACCOUNTS
In HBL term a\c, client may invest savings for a specified period & obtain profit
while their saving safe.
HBL Advantage A\c
Investment Plus Deposit A\c

B CURRENT ACCOUNTS
Rs. 5,000** is the minimum balance
Infinite transactions
Bearing no profit
Inter Branch Transaction System (IBTS) & HBL Debit Card abilities
With the help of HBL Phone Banking, funds can be transfer to other bank
Insurance of Personal Accidental

HBL BUSINESS VALUE ACCOUNT

Distinctive advantages for Businessmen transactional account
Profit annually* is up to 5.35%
Profit daily calculated and profit is paid every quarter
No requirement of minimum balance
Rs. 50 is nominal maintenance charge monthly

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Inter Branch Transaction System (IBTS) & HBL Debit Card abilities
If minimum balance is Rs. 500,000 then10 Bankers Cheques are free

Through HBL Phone Banking funds can transfer to other banks

II HBL FREEDOM ACCOUNT
Rs. 25,000 or more of monthly balance, client can gain a variety of free benefit
involve:
Cash deposit and withdrawal transactions to any branch of HBL is free
Funds transfer transactions are free online
Bankers Cheques is free
Free HBL cheque deposit transactions at any HBL branch
Cheque books is also free
Duplicate statement of accounts is free
In case of individuals and sole proprietors debit card is free issue
Through HBL banking ATM transactions is also free
Transactions more than PKR 25,000/- than free SMS alerts on activation
via HBL Phone banking.

I. Basic Banking Account (BBA)

These type of accounts include
Account can be begin only with PKR 1,000
Requirement of minimum balance is not necessary
2 transactions deposit and 2 withdrawal are free each month
Through HBL Debit Card client can Infinitely withdrawals
bear no profit

B. HBL SAVING ACCOUNTS:

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HABIB BANK LIMITED
There are certain benefit of saving a\c suggest by the bank to its important
client.
1. HBL Value Account
2. Savings Account (PLS)
3. Remittance Munafa Plus Savings Account
4. Daily Munafa Account
5. Daily Progressive Account

HBL VALUE ACCOUNT

Characteristic:

Profit annually is 7%
Profit is compute on monthly basis and paid each quarter
PKR 10,000 to PKR 1,000,000** is the range of deposit
After every 3 months profit is credited
Every month 2 withdrawals are free
Investment is secure
Foreign remittances receive a special account
HBL offer Cheque book and Debit Card facilities
Every month profit is paid
PKR 20,000 is the minimum balance

I.

PLS SAVINGS ACCOUNT

The PLS- Saving account is opened with proper introduction and submission of
essential documents along with the early deposit set time to time. There is
currently that can made by cheques no high limit of deposits and number of

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withdrawals and there is also no limitation on amount that can be withdrawn
from pls saving a\c. The profit & loss percentage shall be evaluated by the bank
and the decision of the bank must be the final and necessary on the
accountholder or depositors.

Characteristic:
Profit annually is 5.06%
Profit is paid on bi-annually
HBL offers Inter Branch Transaction System (IBTS) and Debit Card
facilities
With the help of HBL Phone Banking funds can be transfer to other bank
No limitation of least balance required

Infinite transactions***
II.

DAILY PROGRESSIVE ACCOUNT

Distinctive transactional account for customer
Profit is computed on daily basis and paid each month
Profit annually * is up to 9.92%
HBL offers Inter Branch Transaction System (IBTS) facility
PKR 20,000 is the minimum balance

C. FOREIGN CURRENCY ACCOUNTS

Habib Bank Ltd offers anoter type of account i.e Foreign Currency Accounts
in which there are number of foreign currencies as term & savings accounts
There are two types of foreign currency account
.

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HABIB BANK LIMITED
1. FC-SB
2. HYFFD (High Yield Foreign Currency Fixed Deposit)

1. FC-SB
HBL offers Savings Account of majorly 3 currencies

USD (US dollar)

EUR (Euros)

GBP (UK pound)

Tiered product, with rates depending on choice of currency

Least balance should be 1000 USD, EUR or GBP for the purpose to earn
profit
Interest is quarterly basis

2. HYFFD (High Yield Foreign Currency Fixed Deposit)

USD, EUR and GBP is available in 1 month, 2 month, 3 month, 6 month and
12 Month
Tiered product, with rates depending on choice of currency and term
On maturity, profit is pay only
Interim interest is not payable.

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D.

HBL MONEY CLUB

Here is mission! Become an HBL Money Club member and learn the
power of savings today. Explore www.hblmoneyclub.com and participate
in the exciting mission that waits.

Here is what customers do:

Account can be open may as little as PKR 1
6.17% profit annually earn (annualized rate of expected return on minimum
balance)
Profit earn on savings each month
Bonus profit earns 1.25% annually by just saving more, with a minimum
deposit of PKR 100 and cannot withdrawals during the month
HBL offers Debit Card and free mission box to a customer when customer
initiate his account (ages 6 years to 17 years)
Separately from rewards of saving a child is receive a mission box, which include a

Free Visa Debit Card

A wrist wallet

A mission bag

That will convoy on child saving missions.

1. The age of child must be below 18 years
2. Child requires being his account under the parents and\or guardian of child
appointed by court.
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3. Child requires getting his application for opening a account signed by his
parents or guardian appointed by court.
4. Child obtains his Debit Card and start purchases.
5. Customer can manage his money through call to HBL phone banking. Call to
HBL Phone Banking & handle money when customers need
6. To verify keep on balance HBL give access to HBL Internet Banking

Documentations:
Computerized National Identity Card (CNIC) of Parent and\or Guardian is
required
B-Form and\or Computerized Registration Certificate of Minor's
The proof of Minor relationship to Guardian through
o Birth Certificate
o Computerized Registration Certificate
o Court Order

Collection Products and Services:

Collect easily
Standing Instruction via Debit Authority (SIDA)
Outward Bills for Collection (OBC)

Payments
Expenses and\or Salaries
Online Payments of Cheque (Vendor Payments)
Payments of Utility Bill
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E -Banking/Internet Banking
To send Electronic MIS reporting through email
Customer can viewing the account statement via E-Banking facility
For Query Handling and Reconciliation it is referred to Customer Support
Officers

PHONE BANKING:
Habib bank limited is providing the service of phone banking through the customers or account
holder can get more quick there transactions done. They can ask and tell information to the bank
and the bank can ask queries from them in no time. It is a less time consuming banking system
which is so easy for the people and bank.

FUNDS TRANSFER:
Habib bank is providing the service of funds transfer in very easy way that may the customer
can transfer by using the A.T.M or with the help of people working in the bank. The employees
of the bank are also available who transfer the funds from one account to another account in few
seconds.

MUTUAL FUNDS:
Our bank is providing the mutual funds which may be for the help of people who are deserving
for the funds. Our bank is providing funds to the team players which play for our country. Habib
bank limited also raises funds for many other such purposes which are helpful for keeping our
country prosperous.

SALARY PLUS:
Habib bank limited is providing the salary plus loans to the employees. It means the workers
also get their salary and pay back the already holded amount through a fixed amount from salary

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which is deducted every month. In this way Habib bank limited is providing a lot of products
and services to the people of Pakistan.

Services provided by HBL:

1. HBL Phone Banking:
By fax statement
Online banking :
if Customers have internet service then they can use facility of online
banking to sign on to HBL online Banking to made payments of Credit
Card or to see monthly statements of bill.
Mobile top-ups
Through HBL Credit Card Customers can boost prepaid mobile
connection.

2. Payments of Utility bill:

Through HBL Auto-Teller Machine (ATM) Customers can make payment
of utility bills.

3. Online shopping:
Through HBL, Customers can purchase from a different online websites
from their ease.

4. HBL Banker's Cheque:

Customers can make various payments such as,
Fees of childs school,
Medical bill
Payments of utility bill

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Insurance:
Two types of insurance offered by the bank which are as follow.
Credit Shelter
Triple Health Cash Plan

Credit Card Shelter:

Amount equal to the credit restrict and remaining balance on the card will be
include below the following elements:
Death of Cardholder
Cardholders permanent disability
Triple Health Cash Plan:
Customer can receive cash on daily basis in the situation of hospitalization due to
accidents or illness. Major Characteristic involve.

20% no claim bonus every year

For hospitalization, insurance can claim in Pakistan for hospitalization
anywhere.

Parents and spouse in addition to children and siblings insurance can claim
PEST analysis:
Economical:
Although banking sector development is important at the early stage of
economic growth, general liberalization presuming a homogeneous bank role
may not necessarily promote growth. The estimated cost structure indicates that
state-owned commercial banks are large enough, while development financial
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institutions and private banks can expect to obtain cost-saving advantages by
expanding their operations. Since scope economies are significant, portfolio
diversification generally increases bank profits. In addition, privatized banks are
the most efficient, followed by foreign and private banks. Public banks are the
least efficient.

Technology:
The Banking sector in Pakistan has experienced a rapid transformation. Just
about a decade back this sector was limited to the Sarkari (read nationalized)
and co-operative banks. Then came the multi-national banks, but these were
confined to serving an elite few. One could regard the past as the 'medieval
ages' in the banking industry, wherein every branch of the same bank acted as
an independent information silo and multi-channel banking (ATMs, Net banking,
Tele-banking, etc) was almost non-existent. Today banks have to look much
beyond just providing a multi-channel service platform for its customers. There
are other pressing issues that banks need to address in order to chalk-out a
roadmap for the future. Here are the top three concerns in the mind of every
bank's CEO. The customer is interested in how he/she can benefit from the bank
and its products. That's why it becomes necessary for a bank to differentiate its
products from the others. Some of the ways in which differentiation can be
introduced are through specialization, new products, and increasing the value.

There is Inadequate Communication infrastructure.

Smaller and lowest computer facilities.

Inadequate IT training.

There must be an efficient IT department.

Political:

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Pakistan despite all international and public perceptions, today is a functioning
democracy and gradually there is a change in complexion and composition of
legislatures with more educated people and women (27% of National Assembly
and 17% of Senate) entering into politics. Similarly it helps in designing best
strategies to implement that could support the revival of bank industry.
Social:
Banks always helped people in improvement of living condition of poor people in
various forms like giving loans to poor for starting business or directly providing
them the instruments that could enhance their living conditions. Similarly ZTBL
always tried to provide the needy people loans on soft terms and also helped to
eradicate unemployment by providing job opportunities.Recent high growth
trends coupled with enhanced spending on social and 2007/2008 has together
begun to pay some dividends.

CONTRIBUTION OF HBL TO ECONOMIC DEVELOPMENT:

Following factors clearly illustrate the role of commercial banks in the
economic
1. Development of Pakistan.
2. Mobilization of savings
3. financially intermediation among savors and investors
4. canalization of resources
5. promotion of trade, agriculture and industries
6. encouragement of dynamic entrepreneurs
7. employment
8. facilitate the implementing monetary policy
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9. agency services
10.

mobility of money

11.

cheap medium of exchange

Now it is explained one by one .!!!!!!!!!!!!!

Mobilization of savings
Commercial banks facilitate to accumulate small, merger and
scattered savings of the people in the form of banks accounts.
Moreover commercial banks introduce different saving schemes and
thus provide incentives to people to save more.

Financial intermediation among savors and investors

Commercial banks not only convert small and scattered savings
of the people into huge profitable funds available for investment but
also act as mediators between savors and investors.

Canalization of resources
There are certain regions, which face the problem of shortage of
resources. Such regions lag behind other regions due to shortage of
Capital and there are some regions where capital may be surplus.
Commercial banks channalize resources to regions and sectors where
capital is most needed and its efficiency is greater from hose regions
and sectors where it is surplus. In this way commercial banks are not
only helpful in making more efficient utilization of resources but also
facilitate in eradicating economic disparity.

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Promotion of trade, agriculture and industries
in Pakistan the commercial banks provide financial assistance to trade
and commerce, agriculture, industries and to many other sectors. In
this way commercial banks directly play important role in the
promotion and development of commerce and industry, agriculture
and other sectors of Pakistan economy.

Encouragement of dynamic entrepreneurs

According to Schumpeter when the dynamic entrepreneur come
forward with necessary funds made available by the banks, they will
engage themselves in research and development. They will find new
methods of production and marketing. Without funds the abilities and
potentialities of money dynamic entrepreneurs will go wasted.

Employment
Thousands of people are directly employed as bankers. Commercial
also facilitate in the creation of useful employment opportunities by
promoting commerce and industry, agriculture and other sectors of
the economy.

Facilitate the implementing the monetary policy

Monetary policy in Pakistan is farmed by state bank of Pakistan (SBP)
but this is implemented with the help of commercial banks under the
supervision of SBP.

Agency services

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Commercial banks provide several types of agency services to their
clients, such as keep their valuables in safe custody receive and pay
cheques, collect dividends, pay interest, premium, provide online
service receive utility bills, hajj applications, discount zakat and help in
its distribution. Similarly banks provide other types services to make
the daily life smooth, easier and safe.

Mobility of money
Commercial banks are the safest, the most convenient, the cheapest
and the quickest mean of transferring money from one place to
another. Online banking has revolutionarys mobility of money. Thus it
promotes economic activities and thereby economic development.

Cheap medium of exchange

Commercial banks provide cheap medium of exchange in the form of
cheques, drafts, credits cards etc. this type of exchange is very helpful
in promoting trade, commerce and industry and at the same time had
made transactions of daily life easy and safe.

ORGANIZATIONAL STRUCTURE:
ORGANIZATIONAL HIRARCHY CHART

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Chairman
President & CEO
Member Management Committee
Group Head
General Manager
Deputy General Manager Band II
Deputy General manager Band I
Senior Manager Band II
Senior Manager Band I
Manager Band II
Manager Band I
Assistant Manager Band II
Assistant Manager Band I
Officer Band II
Officer Band I
Assistant

POLICY OF HUMAN RESOURCE OF HABIB BANK

CULTURE OF HABIB BANK

HABIB BANK Management has developed a competing atmosphere that
encourages inspiration and loyalty. In their interest of excellence, they are
concentrating on developing, attracting and retaining the great talent in

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the market area. Our motivated culture offers various growth opportunities
around Pakistan and approximately 25 countries of the world.
REQUIREMENTS OF HBL

HABIB BANK allow the employees to achieve their greatest ability, take
professional knowledge and their capability and more.
o Entry Level Programs Employees can get their greatest
ability and build their knowledge.
o Experienced Professionals HBL values the experience,
skill and capability an employee get.
REQUIREMENTS:
In strategy of HBLs human resource, manager visits different universities
across the country to introduce & prepare fresh business graduates every
year. Talented youth are the backbone of Habib bank operations.
To focus on the great young talent, Habib Bank dynamically contribute in
seminars by giving lectures that show HBLs background, mission, vision,
and values.
Habib Bank recruit best young talent on a regular basis and offers a
broad range of job opportunities over every functions, as well as Human
Resources, Information Technology, Operations, Marketing and Finance.

BENEFITS OF WORKING AT HBL:

At HABIB BANK, development is not a function of performance but rather time.
When members of staff working increase. The function that they perform within the
company will speed up to show their participation

PROCESS OF SELECTION

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ISLAMIC BANKING:
Islamic Banking proposes very appealing opportunities to existing and potential
customers in a fast growing segment of banking market. To fulfill the long and
short term requirements of business of industry and trade . At HBL, Islamic
Banking propose Shariah compliant services and products.

SHARIA COMPLIANCE
HBL Islamic Banking products are in strict compliance with the tenets of Shariah
and bear Shariah Compliance Certification from an independent Shariah
Advisor. HBL Shariah Consultant has in core experience in Shariah rulings
(Fatawa) and teachings at different forums with qualifications of Dars-e-Nizami,
M.A and L.L.B. Bank have a Shariah Scholar, as member of our Shariah
Supervisory Committee to ensure a sound Shariah Compliance mechanism,
giving prompt responses to customers needs and access to Shariah knowledge.

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UNDER SHARIAH COPLIANCE HBL PRODUCTS OFFERED
Ijarah(Leasing)

For machinery, plant and vehicles leased

out to the client on rental basis. It offers

Dimishing Musharka

Medium to long term service

For machinery, plant and vehicles based
on joint ownership. It offers Medium to

Murabaha

long term facility

for purchase of domestic and global raw
materials, semi finished and finished

Trade Service

goods, stores or spares

Collection of Local Bills, Collection of
Foreign Bills, Letter of Guarantees, Letter
of Credit Facility,

HBL AL-SAMARAT ACCOUNT:

There are lots of choices for profit payout and tenures on the core of Mudaraba
Range of minimum balance is PKR 25,000
Withdrawal of money can be made at the end of the fixed period

HBL AL-MUKHTAR ACCOUNT:

At any branch of the HBL customer can made free withdrawal & deposit of cash
transactions
Online transfer of funds are absolutely free
Banker's Cheques is free
HBL cheque deposit transactions form any branch of HBL is free
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Cheque books is free offer by bank
Duplicate account statements is also free
HBL offers Debit Card (for sole proprietors and individuals customer) free
In case of above Rs. 25,000 transactions free alert via SMS (for sole proprietors
and individuals customer)

HBL AL-IRTAFA ACCOUNT:

All types of sizes of institutions and businesses are facilitates from it
Range of minimum requirement of balance Rs. 500,000
Several profit payout options
On monthly basis, profit payout is computed

CORPORATE BANKING:
Corporate Banking Group of HBL consists of a seasoned group of Relationship
Managers (RMs) to fulfill the desiring standards service of huge organization. In
Pakistan, a extended history of nurturing and financing associations of HBL is a
distinctive insight, allowing the bank to offer effective and timely financial
solutions for our clients to fulfill the increasing challenges of a international
economy.
For corporate customer, with a turnover of at least PKR 300 million, bank has a
range of solutions designed to help customers with their banking needs. HBL
RMs has the expertise customers need to create tailored financial solutions
catering to the specific requirements of the business.
Whether establishing a new venture or expanding an existing business, our
team understands customers banking needs and works closely with them to
realize their goals.
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1. COMMERCIAL BANKING:
HBLs Commercial Banking Group targets medium sized companies with a
turnover of at least PKR 50 million. Our business units are located in Karachi,
Lahore, Faisalabad, Sialkot, Gujranwala and Peshawar. Each unit is dedicated
to service business clusters located within these cities
HBL have the ability and the resources to meet the needs of customers
business with their pro-active, responsive and experienced Relationship
Managers; they are committed to understanding business.
HBL offers financing for the following:
Working Capital
Procurement of Inventory
Receivables
Procurement of Machinery
Expansion of production facilities
Import of raw materials

2. SME BANKING:
FAIDA HAI TO BUSINESS HAI
HBL Business Faida brings the perfect package to manage the daily
business requirements. By combining all the relevant features into one,
Customers would be able to avail a huge variety of banking products
designed just for their business.
A flexible and convenient account to manage the payments and

receipts of the business

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Running Finance to help manage the daily cash flows
Demand Finance to help expand the business, renovating business

premises or buying new equipment

Assure payments from the customers in Pakistan or overseas

through trade finance products.

Customers can avail the following HBL Business Faida products:

HBL Freedom Account

HBL Easy Loan

HBL Small Business Finance

HBL Trade Power

Value Added Services

3. 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. This is a testament to the out-of-box thinking and the innovative
products we bring to our customers
The Investment Banking Group functions in three specialist business areas:
Project Finance, Debt Capital Markets & Syndications and Equity Capital
Markets & Advisory
.

4. DEBT CAPITAL MARKET

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Depending on the requirements of its customers, HBL offers a variety of
products, including syndications, securitizations, privately placed and listed
TFCs, term finance facilities commercial papers, etc. HBL played the lead role in a
number of significant debt transactions, including PKR 15.14

billion TFC issue (the largest privately placed issue in Pakistan), the first bond
offering for any microfinance institution in all of Asia, credit enhancement for a
rapidly growing company in the consumer durables sector and numerous tier-2
capital transactions for commercial banks.

5. EQUITY AND ADVISORY

HBL offers a breadth of equity and advisory products including innovative capital
raising techniques, restructurings, public and private equity placements and
mergers & acquisitions. The HBL team played a pivotal role across several
sectors, including energy, agriculture, consumer products, fertilizers, etc. for
raising various forms of equity and quasi-equity. Recently, HBL structured a
convertible debt note with a built-in Put feature for a US-based provider of
agriculture technology and dairy solutions a first of its kind transaction in
Pakistan. HBL also provides valuation for a company in the food and beverages
sector.

6. 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

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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

OPENING OF ACCOUNT SECTION:

There are certain requirements for Opening an Account include:
One photocopy of Computerized National Identity Card (CNIC) of both customer
and introducer
An Original Computerized National Identity Card for confirmation
For students, photocopies of student card is required
For employees of Government, appointment letter is required
Customer must give his 3 latest snaps, If customer apply thumb impression
Next of kin: customer must clearly direct that who is liable for his account in his

absence

At the time of opening an account, Customer must be there.

A) How to open an account:
In Habib Bank Ltd, There is a specific official process that is to be practical for
opening a saving and current account with a Bank. These requirement in
concise are as follow:

I.

Formal Application:

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The customer must complete a form of "Account Opening Form. This is an
authorized requested the bank to its customer to allow him and handle the
saving or current account
II.

Obtaining Introduction:
The bank require to obtains a introduction of the customer from an old
customer, or responsible person etc

III.

Signature Specimen:
When the Bank officer is satisfied about the reliability of the customer, he
permit to open an account. The officer then takes the sampling of signatures
of the customer on card or on the signature book.

IV.

Minimum Initial Deposit:

In Pakistan, the PLS Saving Account can be open with a range of least of
PKR 100 and current account can be open with a range of minimum balance
of PKR 500. These amounts must be retain in the account of the
accountholder

V.

Operating the Account:

When the customer fulfill all the requirement of the of opening an account in
the Bank, then the Banker gives a Cheque Book to the accountholder in
order to operate it
When the procedure is complete, the customer information is entering in the
automated system, MYSIS that gives the customer a specific account
number. Account number consists of 14-digit unique code that is assigning to
HBL account holders. First four figures are the branch code from where
account is start. Next 8 digits is customer account is the serial number of
customer account and rest of two digits show the account type.

VI.

CHEQUE BOOK:

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The bank offers a type of printed book of blank cheques to its accountholder
for withdrawing money from his account.
There are different types of chequebooks, which are available for the PLS
saving and current account
A) Issuance of chequebook:
For the purpose of issuance of chequebook of a new accountholder, the
customer should follow the certain steps
Fills out the requisition slip and present it to the appropriate officer,
The officer within 4-5 days or a week will then issue chequebook to the
accountholder.
The officer then insert the
o Title of Account
o Date of chequebook
o Number of leaves of cheque
o Cheque number is written from start to end,
o Account numer
o The applicant signature on the chequebook issuance register
The officer, in case of picture account (either having shaky signs or thumb impression)
stamp is intimidated written. All types of the cheques are to be signed in the existance
of the officer (this stamp is use for those people who have shaky signs) left or Right
thumb will be affixed in the existence of the bank officer (This stamp in is use for those
people who use the thumb impressions). Additionally, in the case of Minors account,
each cheque has a stamp impressed written The account is functioned by minor if
even minor reach the majority age.
B) Withdrawal from an Account:

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Cash withdrawal is made via cheques complete by the bank. On the receipts of
the requisition slip than banker will issue new cheque book and this showed that
the Cheque book is issued on carefulness of the manager of the branch.
C) Transfer of an Account:
Accounts are move to various branches of Habib Bank Ltd., without any charge.
If a accountholder agrees to move his account, he display his pass book or
dispatch it to Bank and writes a request letter to transfer his account
D) Closing of an Account:
If an accountholder want to close his account then he must show his passbook
that show the amount of interest due and withdrawals on the account is enter
within and last balance is fixed. This rest of balance is pay to the accountholder
and his payment proof is taken, the passbook is terminated, remaining unused
cheque forms are hand over at the same time.
E) Secrecy:
The privacy of accountholder is the duty of every official relevant in the Bank job .

CLEARING DEPARTMENT
Receiving and paying functions is performs by each Bank. Cheques are gathered
that are strained up to Banks for customers. Similarly the cheques drawn on Banks
and deposited by Banks own customers for collection within the city is known as
clearing The purpose of paying and receiving is generally made by means of the
clearing house. A clearinghouse is labeled as "An agreed site where all the
representatives of the Bank get together for the purpose to patch up the payment
and receipts of cheques drawn on each other" Clearing House offers the features
that can hardly be distribute with particularly, in form of the crossed cheques. There
are two main types:

1. OUTWARD CLEARING:
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It involves the instruments and other cheques that are dispatch by the bank to
other banks for payment on behalf of its own customer. Cheques are dispatch to
clearinghouse via domestic main branch. Delivery message appear from the
domestic main branch to each branch at a specified time to choose its outward
returns or outward clearing as the case maybe.
Outward Clearing At Branch:
On the back side of the cheques the account number of endorsee / payee is
labeled
The paying in slips and the instrument are different
Instruments are classified by branch wise and Bank-wise.
Instruments schedules are organized.
A little amount of all the schedules are use in the clearing House statement.
The cheques amount is record in the pay and "Delivered" column.
When the balancing of the outward clearing complete, the pay in slips are
released to C.D. department
Balancing complete, a debit transfer voucher is organized
The schedule and instrument etc. are sending to the messenger from the

main branch.

2. INWARD CLEARING:
The cheques, which are drawn from bank, are known inward clearing drawn of
cheques of Habib Bank through its representatives. When the Bank presented
the cheques to other Banks for the purpose of payments of cheques It consist of
those types of cheques and various instruments of different branches of
Pakistan which other Banks present at the clearing house.
Inward clearing at the drawn branch:

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Various Instruments are recorded in the schedules are evaluated instantly on
receipt of cheques.
Total amount's of all the instruments are list down and aggregate. It must be
equivalent to the mentioned amount in schedule from the domestic main
branch.
Amounts are excluded to the significant accounts if otherwise in order.
IBCO is getting ready to crediting the amount of the HBL main branch.
If return is possible, that is excluded from the IBCO and total made for the
rest of the amount.

FUNCTIONS OF CLEARING SECTION:

To receive transfer, transmit clearing cheques and delivery from the
accountholder of the specific branch and organize for their collection. To
organize payment of cheques drawn from the branch and offer for collection to
any other H.B.L. branch or any other associates or such member of domestic
clearinghouse.

PROCESS FOR CLEARANCE OF CHEQUE

The accountholders present with the deposit slip, when the client needs to
deposit any cheque, he fill up in the deposit slip himself and gives it to the
counter with his cheque.

KINDS OF CHEQUES COLLECTED AT BRANCH:

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There are some kinds of the cheques which a bank collected from customers
1. TRANSFER CHEQUES:
The type of the cheques, which are paid and collected in the similar
banch of Habib Bank Ltd.
For example, Mr. usman is a accountholder of Habib Bank Ltd branch
and draws a cheque in favor of Mr. Rizwan who is also the accountholder
of the same branch.

2. TRANSFER DELIVERY CHEQUES:

The type of cheques that are paid and collected by two distinct branches
of the Bank located in the same city.
For example, Mr Ali draws a cheque on Habib Bank Ltd circular road
branch Gujrat in favor of another person who maintains an account with
HBL Kabli Gate branch, Gujrat
3. CLEARING CHEQUES:
When the the drawer of cheque and endorse\payee sustain an account with
several Banks, the collection by the Bank in various of the following methods: The bank can collect cash by transfer its representative with the cheques
to each of its paying Banks. It is not a proper way
The Bank keeps the account with the paying Bank.
The representative of the different Banks can exchanged the Cheques
when they at a fixed place and at a fixed time. It is the most effective way
of paying and collection of cheques

SECTION OF REMITTANCE:
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An internal remittance means a movement of cash/money paid at a specific
place inside the country. internal remittances can be categorize as follow:
Within locality
Outside locality

WITHIN LOCALITY:
When the branch located in Gujrat is required to dispatch the drafts to any other
branch located in the same city. That method is called as within locality.
OUTSIDE LOCALITY:
Outside locality is an essential type of internal remittances that means the
transfer of money payable outside the country.

KINDS OF ADVANCES:
Three kinds of advances provided by the bank
1. Demand Finance (Packing Credit)
This Proposal introduced by State Bank of Pakistan for the surgical
instruments, carpet exporter, at 0% rate of interest. As banks offers at
concessional interest rate.

3. Loan ordinary (Demand Finance to Students)

4. Demand Finance (Staff)
Loans are provided to the employees of the following four kinds.
Loans for Building and Housing against mortgage of property

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Loan for buying the vehicles
Loan equal to monthly salary

RUNNING FINANCE (Overdraft)

Overdrafts are also known as Running finance that are advances, that are
usually, provided to meet interim needs of the customers. An excellent customer
use the running finance limit as a mean of shielding his credit in the market and
as a line of security defense to meet his commitments.
1. SMALL LOANS
Loan offered to the forwarding agents and contractors clearing.

2. AGRICULTURE LOANS
Loans to the farmers with holding up to 25 acres for meeting their short
terms, medium and long terms Agricultural production requirements, such
as:
i.

Inputs for Agricultural

ii.

Tube wells

iii.

Live Stock Framing

iv.

Land upgrading

3. INDUSTRIAL LOANS
in addition to the short-term advances which play a vital role in working
capital long and medium-term advances are also provided to the
industrial area for purchasing of plant, machinery and other capital nature
products.

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HABIB BANK LIMITED
AS INTERNEE IN HABIB BANK LTD.
INTRODUCTION OF MY BRANCH
I worked as internee for six (6) weeks at Habib bank limited as an internee. The
branch of Habib bank is located at Pahrriyanwali Adda. Main customers of the bank
of Pahrriyanwali branch are individual account holder, business person, traders,
merchants, investor, etc. Major business of the people of the pahrrianwali is
aggriculture and for this reason the main occupation of the people of pahrriyanwali
is growing crops.
Another type of people of this city is that the relatives of the mostly people of here
are go to abroad. They send money to their relative.which is called Remittances.
Remittances sent by the relatives from abroad is done through bank.The edge of
the HBL Pahrriyanwali branch is that it cover all the area from to the near villiges.
People trust on the Habib Bank because paid in cash through fast cash system and
sent money from abroad through Habib bank their family. The family members have
their account in the Habib Bank and they receive money through their account. are
kept into their accounts are to their receiver account.
The owner of sugar mills Manu chak are main clients of the Pahrriyanwali branch
because they can credit facility from bank, demand drafts, online transfer of funds
receive. The staff of the bank can give very value to these valuable clients because
they are the asset for the bank
HBL also offer facility all type of Lockers is available
For ornaments
Important documents
Lockers in large, medium and size are also offered.

DETAILS OF SUPERVISORS:
Functional Designation

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Name

INTERNSHIP REPORT
HABIB BANK LIMITED
Branch Manager

Mr.Muhammad Shakeel

Operations Manager

Mam.Mehwish Mubeen

Head Remittances

Mr.Gulaam Murtzaa

Manager Teller

Mr.Mazhar Iqbal

Cash Officer

Mr.Zahoor Ahmad

Cash Officer

Mam Nabeela kousar

SUPERVISORS/ RESPONSIBLE:
Operations Manager is supervises and responsible for the several activities of
the operations of the branch. When manager is not in the branch, the Operations
manager has the absolute authority to control the branch. Operation manager is
the Head of the remittance and clearing department. Teller manager and cash
officers are responsible for the collection and payments of the money. The cash
officer Assistant is responsible for collection of utility bills. There are CTC
cameras are two security guards are here for the purpose of the security.

Weekly timetable
From 9 AM to 2 PM I act as an internee in the Habib bank limited Pahrriyanwali
branch. The rush hours starts from 10 A.M to 1.00 P.M when mostly customers
visit the branch for paying utility bill of withdraw or deposit money.
I examine in the branch that customers want that the staff give them importance
and value. Some that why most of the customers directly go to room of branch
manager and demand to provide quick services
Total deposits of the branch are Rs 800million.

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HABIB BANK LIMITED
MY WORKING DEPARTMENTS:
I had done my six weeks Internship program. In this regard on 20 June 2013, I asked to
the branch Manager of Habib Bank Limited Adda Pahrriyanwali that I want to start
an internship because it is my subject of 2nd semester. During this internship, I get an
opportunity to learn and work with professionals.
I learn about the working process and functions of Auto-Teller Machine (ATM). Next, my
major interest is come to know about major areas of Auto-Teller Machine (ATM) card. I
learn about the kinds, issuing process of ATM card to customers, filling forms,
activation of ATM card, issuing charges and usage of ATM card.
Next, the manager sent me in department of Accounts. I learn the process of opening
an account, several kinds of stamps available and about the staff signature. Documents
necessary to be patch with the form of account opening.
Next, the manager sent me in the department of cash where my duty is to take out the
prints of cash vouchers and said the accountholder to sign on them and then 2 officers
authorized that voucher and one copy of computerized National Identity Card (CNIC) of
the customer is to be fixed along with that voucher. Customer presents the voucher at
counter and collects the money. Cash officer put the signature on the voucher and
validate the signatures of authoritative officers of the bank.
Major duty that I done in the bank that was filling deposit slips, forms of account
opening, stamping the account opening forms and form of remittances.

DESCRIPTION OF MY ASSINED PROJECT

1). Throughout my work in department of accounts Mam Mehwish Mubeen (manager
operation) allot me the task to verifying the files of earlier opened an accounts for any
kind of difference such as utility bill and checking signature and stamps of the staff etc.
This is done for the purpose of an final audit of these files in the upcoming month is

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HABIB BANK LIMITED
scheduled. This provides a very wide informative experience to me. For bank deposits
considered lifeblood for its survival.

2).

Mam Mehwish Mubeen (manager operations) assigned me an duty to make slips

for lockers on which I was assumed to write the locker holder name, default amount
and issuance date and if any to pay by the customer so that he can check the
remaining locker rent earlier than operating it.

SUMMRY OF LEARNING:
The summery of my learning is described in few written down points.

Skills and qualifications :

I have learned about the maintaining of accounts .
I knew about the process of passing the bills of the govt. employees
I learnt about the updating the A.T.M machine.
I knew that how we have to pass the utility bills of the gas , electricity etc.
I also have a little knowledge about the transactions passing.
I knew that how we can transfer the funds with in no time.

RESPONSIBILITIES:
I have took the responsibilities of passing the bills at daily basis.
The putting of stamps on the vouchers and challans was my responsibility.
Working on the filling of the deposit slips was my duty.

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HABIB BANK LIMITED
Account opening form filling also was under my responsibility.
At end I have to perform the duty of verifying the stamping on the new opened account
forms.

INTERNSHIP IMPACT ON MY FUTURE PLANS:

Working at HABIB BANK LIMITED ADDA PAHRRIYANWALI as an internee was very
useful experience for me. During the internship, I understand several new things that
are definitely ready to help me in my professional growth. It was a excellent experience
for me to follow and to be the part of realistic working of an organization such as Habib
Bank Ltd. Throughout the internship, I obtain a chance to know general customer
perception and their wants and needs relevant to banking products and services.
I learn so much and also enjoyed to work in HBL. I increase my communication abilities
during working in customer relation department. At the end of my internship program, I
am able to how the knowledge of books can applied in practical place. It was a great
opportunity for me to learn.

CORRELATION WITH MY CLASSROOM KNOWLEDGE:

The knowledge which I have gained from the internship is correlating with my class
room knowledge in this sense that at bank I have gained that how I have to be in front
of other people. I knew that how I have to face the different problems when using the
softwares for solving some problems that may be assigned to me for the purpose of
class work. Now, at the end of this portion I have to explain that by working as an
internee at Habib bank Limited Adda Pahrriyanwali branch I get the experience of
working on computer softwares with educated and experienced people which is very
useful for my class room work.

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HABIB BANK LIMITED

CONCLUSION
Habib Bank Ltd. is according to the grapevine the largely selection of almost each and
everyone who focuses in qualitative approach of banking, an environment of extremely
responsible workforce. Habib Bank is enjoying a strong market share and the taste of
luxury standing in terms of its operational features and client support. Habib Bank Ltd.
is certainly the unrivaled bank working in Pakistan.
Personal loan is an eminent trait of HBL experiencing a handsome status and practical
mark up with respect to current market mark up with assertion of contentment and
support. HBL has other customers as compared to other banks, if they give suitable
attention to all clients then in upcoming years. It will be the foremost bank of the
country.
I observed that Habib Bank Ltd. is an economically healthy bank of Pakistan. Its
earnings are increasing regularly year after year. Its personnel are remarkably good
and legitimate with the bank. But due to the recent economic collapse, banks business
has been decreased.
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HABIB BANK LIMITED

Habib Bank Limited views specialism and service luminosity as the base of its
policy.HBL is knows and facing 21st century and they must convene its confront by
obtaining the utmost technology.

SWOT ANALYSIS
SWOT analysis is to know about the core values, weaknesses, opportunities and
threats of other companies in that sectors. After the detail study of HBL I come to
know about strength, weakness, opportunities and threats of HBL which is given
below.

STRENGTHS
Strength may be defined an area where company is doing best with incredible
or a feature that gives a company a competitive advantage in against its
competitors. HBL has the certain strengths:
HABIB BANK enjoying a long history over the experience of 65 years and its
profitable operation
In Pakistan, HABIB BANK is the biggest private bank and the trust of people
is high.
In Pakistan, HBL has the largest branch network.
After the privatization of HBL, it restructured itself very effectively in costs
controlling. During privatization HBL closed 110 branches and. downsize
more than 1,600 employees under the golden handshake policy
HBL has the branches in less developed areas
HBL is prior in auto-teller machines, advanced financial products and
Transfer such as evening banking and electronic banking
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For last six years. the banks Rupee Traveler Cheaques has been leader in
banking market
HBL offers car-to-car financing policy, which is unique in segment of auto
loan.
Habib Bank Ltd has strategic agreement with international banks for growing
its network extend both nationally and internationally.

WEAKNESSES
There are certain weakness face by the Habib Bank which are as follow

Poor feedback from customers

Job satisfaction is very little
ATMs Service is not up-to-date
Due to the largest network of branches there is irregularity in efficiency of
the employees and working environment
Due to the downsizing of the employees there is uncertainty among the staff
Females feel tense in the working environment to work in the middle of the
male workers.
Victim of legal, political and socio-cultural pressure

OPPORTUNITIES
Vast available market potential in consumer banking
An opportunity here, opening a segment of ladies banking within the branch
Growing strategy of government on commerce and business sector give the
HBL opportunities to get the return of such policies to meet efficiently with the

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business people to solve their problems with the quick investment and cash
features.
Government is taking very courageous steps to endorse Information
Technology in Pakistan. HBL has an opportunity to recover its technology.
Customer advice on diverse products and accounts has really improved the
bank performance and encouraged the ambiance for other potential policies.
Habib Bank Ltd. also has an opportunity to enlarge its new technological
expansion like; tele-banking and internet banking facilities in a way to serve
the customer more competently.
E-banking facility too is an innovative opportunity which is a prosperous
business in foreign countries and can also be here, if HBL takes the step
ahead.
Due to well-organized and expert management group, HBL can also develop
and enlarge its foreign business productively.
Habib Bank Limited provides opportunity to make use of its abilities and
efficiencies in leasing business.

THREATS
Shortage of qualified and skilled personnel at lower officer and managerial
stage
Growing global technological development
government ruling over credit conveniences to the customers as poorly as to
meet the need of the customer

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Lack of guarantee of foreign customers due to freezing of accounts
Facing more resistance in the marketplace from abroad banks

Recommendations
There are certain suggestions for Habib Bank Ltd :
Training programs for employees should be introduce on continuous basis.
Habib Bank may provide various benefits for employees on common basis so
that the personnel perform his work great interest for the benefit of their
organization. The bank should give benefits based on work, hard work
experience, qualification and several other factors should be considered.
Habib Bank should recruit fresh graduates. The better results results are
produce with the combination of Experienced and fresh personnel.
HBL is moving towards mobile banking but the difficulty is that a general client
has no idea about the usage due to lack of marketing.
HBL convey various schemes to the targeted customers so that it can achieve
the respectable market share.
HBL should provide the bright students interest free loans.
All the branches of the HBL should introduce Online Banking.

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HABIB BANK LIMITED

References:
Sir Muhammad Shakeel (Manager)
Mam Mehwish Mubeen (Operational Manager)
www.hbl.com

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