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Habib Bank Limited

1 INTRODUCTION OF HBL
HBL was the first commercial bank to be established in Pakistan in
1947. Key areas of operations encompass product offerings and
services in Retail and Consumer Banking. HBL has the largest
Corporate Banking portfolio in the country with an active Investment
Banking arm. SME and Agriculture lending programs and banking
services are offered in urban and rural centers. HBL is currently rated
AA (Long term) and A-1+ (Short term) and has a balance sheet size of
over USD 11 billion. It is the first Pakistani bank to raise Tier II Capital
from external sources.
1.1. Brief History of HBL
HBL at its present state has a long and rich history of deeds and
sacrifices. All this has been possible on the account of sustained
efforts. On 25th of August 1941, Habib Bank inaugurated its
operations with the bank’s first branch in Bombay. In 1947 Karachi
saw its first commercial bank of the newly formed Islamic Republic of
Pakistan, when the bank shifted its head office there. Throughout the
decades, HBL has held the mantle of a dynamic leader, by adding
value to the lives of its customers. With a domestic market share of
over 40%, HBL was nationalized in 1974 and it continued to dominate
the commercial banking sector with a major market share in inward
foreign remittances (55%) and loans to small industries, traders and
farmers. On June 13, 2002 Pakistan's Privatization Commission
announced that the Government of Pakistan had formally granted the
Aga Khan Fund for Economic Development (AKFED) rights to 51% of
the shareholding in HBL, against an investment of PKR 22.409 billion
(USD 389 million). On February 26, 2004, management control was
handed over to AKFED. The Board of Directors was reconstituted to
have four AKFED nominees, including the Chairman and the
President/CEO and three Government of Pakistan nominees.
It was HBL that introduced products such as Credit Cards, ATMs,
Travelers Cheques, etc., to the Pakistani market. We at Habib Bank
cater to the needs of millions with our quality products & services.
Today, Habib Bank is truly the bank of the people, providing its
customers convenience and satisfaction all over the world. Habib
Bank Plaza, the
1

Habib Bank Limited

tallest building in Pakistan, is the proud symbol of HBL’s
leadership in Pakistan’s
corporate arena.
1.2 OBJECTIVES OF HBL
Following are some of the main objectives of HBL.
•
To earn profit for the Bank itself and maximize its
shareholder’s value.
•
To provide solutions for multiple requirements of clients of
diverse
•
financial nature.
•
To manage with the changing trends of the modern day
financial market.
•
To be a diversified bank by offering all basic consumer
services along with
•
specialized services
•
Honest and ethical conduct, including ethical handling of
actual or apparent
conflicts of interest between personal and professional
relationship.
•
To provide employment opportunities to people.
•
To help in development and industrialization of the country.
1.2.1 CORE VALUES OF HBL
HBL is firmly grounded with a corporate philosophy that
incorporates five solid values
which each individual associated with the bank abides by.
Excellence
This is at the core of everything they do. The markets in which they
operate are becoming increasingly competitive, giving their customers
an abundance of choice. Only through being the very best - in terms of
the service they offer, their products and premises - can they hope to
be successful and grow.
Integrity
For them, integrity means a synergic approach towards abiding their
core values. United with the force of shared values and integrity, they
form a network of a well-integrated team.
2

Habib Bank Limited

Meritocracy
At every level, from selection to advancement, they have designed a
consistent system of human resource practices, based on objective
criteria throughout all the layers of the organization. HBL is therefore,
able to achieve a specific level of performance at every layer of the
organization.
Customer Focus
They understand fully the needs of their customers and adapt
their products and services
to meet these. They always strive to put the satisfaction of
their customers first.
Progressiveness
They believe in the advancement of society through the
adoption of enlightened working
practices, innovative new products and processes, and a
spirit of enterprise.
3
Habib Bank Limited
1.3 ORGANIZATION STRUCTURE
Any organization needs a structure, which provides a framework for
successful operations. The operation of an organization involves a
number of activities, which are related to decision-making, and
communication of these decisions. These activities must be well
coordinated so that the goals of the organization are achieved
successfully.
4
CHAIRMAN
BOARD OF DIRECTORS
PRESIDENT
COUNTRY HEADS
AREA HEADS
(GENERAL MANAGERS)
BRANCHES MANAGERS

Habib Bank Limited

A chart defines the line of authority in an organization and its
departmentation. It is a sort of visual presentation of the organizational
structure. It specifies the duties and responsibilities of the personnel of
the organization.
At present the Bank operates through one central and 23 Regional
Offices and 1439 branches, all over Pakistan. The president and
Executives Committee look after the affairs of the Bank. 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. 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. Functional responsibilities of the Banks are
broken into seven groups known as 1) International Operations
Group2) Corporate Banking and Treasury Investment Group3) Retail
Banking and Operation Group 4) Finance, Audit and Administration
Group5) Assets Remedial Management Group6) Credit Policy
Group7) Corporate Bank, Financial Institutions and Project Finance
5

Habib Bank Limited

1.4 Products/ Services:
1.4.1 Individual customers:
HBL caters to all market segments, offering products that are as
diverse as the people we
service. We remain resolute in our commitment to provide products
that are competitive
and services that are exemplary. Whether establishing a new venture
or expanding an
existing business, our team understands your banking needs and
works closely with you
to realize your goals. HBL provides the following products and
services to meet its
individual customer requirements:
Term Accounts:
Offered in a variety of tenors with deposits as low as Rs.
10,000.
Current Accounts:
Our Current Accounts offer features that meet your daily
banking needs.
Saving Accounts:
HBL’s Saving Accounts cater to individual saving habits.
Foreign Currency Accounts:
Offered in multiple currencies with interest paid on a
quarterly basis.
Banc Assurance:
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:
A pension plan that offers attractive investment returns.
Tabeer – Children Education:
An insurance plan that enables parents to cover education and
marriage costs.
Debit Card:
HBL Visa Debit Card allows you to pay for your purchases directly
from your bank
account. You don’t have to carry cash and your monthly statement
provides you with a
complete record of all your transactions so you can manage your
expenses with ease.
6

Habib Bank Limited

Features:
•
No Interest
•
Ease & Security
•
No Liability
•
International Recognition& Acceptability
•
Spending Limits
•
Free Account Statement
•
24 hour Customer Service
•
Global Customer Assistance Service
Phone Banking:
Your bank is just a phone call away. You can now call HBL
PhoneBanking and save a trip to the branch. Your query will be
resolved in a single telephone call from anywhere and at anytime
1.4.2 Business Customers:
HBL offers a wide range of products and services for its
business customers. They are as
follows:
Corporate banking:
HBL Corporate Banking Group comprises a seasoned team of
Relationship Managers
(RMs) to meet the demanding service standards of large corporations.
A long history of
financing and nurturing relationships in Pakistan has given HBL a
unique insight,
enabling us to provide timely and effective financial solutions for our
customers to meet
the growing challenges of a global economy.
If you are a corporate customer, with a turnover of at least PKR 300
million, we have a
range of solutions designed to help you with your banking needs. Our
RMs has the
expertise you need to create tailored financial solutions catering to the
specific
requirements of your business. Whether establishing a new venture or
expanding an
existing business, our team understands your banking needs and
works closely with you
to realize your goals.
7

Habib Bank Limited

Commercial Banking:
HBL’s 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.
We 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.We cater to the needs of a broad
spectrum of clients. To do
this, the business-banking group is segregated by the size of the
customer. For customers
with an annual turnover between PKR 50 million to PKR 300 million,
our Commercial
Banking group provides a wide range of products that meet specific
customer needs.
Features:
We offer financing for the following:
•

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.
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:
 P r o j e c t F i n a n c e ,
 D e b t C a p i t a l
M a r k e t s &
S y n d i c a t i o n s a n d
8

Habib Bank Limited

 E q u i t y C a p i t a l
M a r k e t s & A d v i s o r y .
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 and trade.
Islamic Banking provides Ijarah (leasing) for vehicles, plants and
machinery to meet
long-term customer resource requirements. Murabaha (local & import)
facilities are
provided to meet the short-term financial needs of mid-market and
corporate customers.
HBL’s Islamic Banking products are fully Shariah compliant and duly
certified by
independent Shariah Advisors
Cash Management:
HBL offers a comprehensive platform for customers to avail Cash
Management Services throughout Pakistan. Our Cash Management
Services reduce the cash turn around of your company, thereby
making it cost efficient
Features:
•
Centralized Collections / Funds Transfer
•
Centralized Payments / Disbursements
•
Customized MIS Reporting
•
Centralized Customer Support through
IT/Operations
E-Banking:
HBL is also providing unique and latest online services like
online fund transfer, balance
checking to its customers.
Rural Finance:
HBL’s Agriculture loans are spread across the country and provide
financing through over 800 branches. We have the largest private
bank portfolio in the country with over PKR 18 billion in various
agriculture sectors. HBL’s presence in all agriculture belts of the
country ensures easy access to farmers in rural areas.
9

Habib Bank Limited

Features:
•
Revolving Agri Scheme
•
Haryali Farm Transport Scheme
•
Agri Development Loan
•
Agri Development Loan (Fish Farming)
•
Agri Development Loan (Drip Irrigation)
•
Agri Production Finance
•
Haryali Livestock Loans
Asset Management:
HBL Asset Management Limited - A Wholly own subsidiary of Habib
Bank Ltd. was incorporated on 17 February, 2006 as a public limited
company under the Companies Ordinance 1984 and was licensed for
Investment Advisory and Asset Management Services by Securities
and Exchange Commission of Pakistan on 3rd April, 2006.
1.4.3 Agency Services to Customers:
Collection of Cheques:
HBL pays and collects cheques on behalf of their customers,
and for this it receives
commission form their account holders.
Collection of Dividends:
The Bank provides a very useful service by acting as an agent for its
customers. It
arranges the collection of dividends on shares and securities held by
its customers. The
customer is simply to inform the issuer of the securities that the
interest on the securities
is to be credited to his account in the Bank. Bank charges commission
for the collection
of the dividends on behalf of account holders.
Purchase and Sale of Securities:
HBL if authorized by the customers also makes purchase and sale of
securities on the
behalf of its customers. Bank charges commission for the purchase or
sale made by its on
behalf on the customers.
10

Habib Bank Limited

Execution of standing instruction:
HBL also executes the standing in case if it is ordered by the
customers of the Bank to do
so. These instructions are usually given in writing to Bank. The Bank
debits and credits
the accounts of its customer for the transactions carried out by the
individual or firm.
Acts as an agent:
HBL also acts as an agent, correspondent or representative of
its customers at home and
abroad.
Foreign exchange Business:
HBL transacts foreign exchange business by discounting
foreign bills of exchange and
thus provides facilities for financing in foreign trade.
Acts as a referee:
HBL provides useful services to its customers by acting as a referee
for its credit
worthiness. The information is supplied in utmost secrecy and is
based on financial
standing of the customers.
Collection of Utility Bill:
Electricity, telephone and other such bills can also be
deposited with HBL.
Locker Facility:
HBL also provides locker facility to its customers where
valuables of customers can be
kept.
11

Habib Bank Limited

2. LEARNING & EXPERIENCE:
2.1. Internship Duration and Rationale for Selection:
Internship in HBL was my first working experience in my career. Before this
as a student, I remained stick to academic books and there had never been
such requirement of internship by my any institute. So it was an opportunity
for me to explore my abilities and to implement the course, which I studied
specially in MBA. I did my internship in HBL (Liaquat Road Branch, Rwp)
for six weeks and in that duration; I got the opportunity to know about the
banking environment. The reason for selecting bank for internship is that it
is the sector, which provides multi-services under one umbrella. In banks
one can explore his/her interpersonal skills by dealing different types of
customers. Secondly my mother remained a part of HBL and served twenty
years for it, so automatically my interest developed towards working in
HBL. My internship experience gave me a good learning experience
because I had the privilege to work with such cooperative and experienced
staff.
2.2. Details of Training:
I did my internship in HBL (Liaquat Road Branch, Rwp) for six weeks.
During that time
period, I performed different tasks. My timings were (9 AM – 5 PM).
First of all the bank
Manager told me about the rules and regulations of the bank and the
basics of some
operations of the departments in the bank. In six weeks I have
performed different
activities like account opening procedure, remittances, chequebooks
issuance, bills
collection, vouching, clearing and credit granting procedures. I have
also performed the
work on the seat of remittance department in the absence of that
department’s officer
under the supervision of my operational manager. This internship and
different tasks in it
gave me exposure to practical life. The details of my tasks are as
follows:
12

Habib Bank Limited

2.2.1 Account Opening:
Account opening is an agreement in which customer offers his funds
and bank accepts
these funds, therefore the nature of relation between a banker and
customer is of a
contractual one and all the conditions applicable to this contract act
are also applicable.
First of all I got experience of filling account-opening forms for both
individual and
business customers and the related procedure for it. I also gained
knowledge about
Equation system used for accounts opening
•
Current A/C individual single or joint)
•

Saving A/C individual single or joint)

I have also filled Phone Banking Forms and ATM forms. In this
department I remained a
part of project of HBL as well, which was to open 100 accounts of
NCA because NCA
had to make a huge deposit in HBL.In this regard my senior officer
gave me the task of
filling 80 account opening forms, ATM forms and Phone banking
forms, which I
completed successfully.
2.2.2 Remittances:
Remittances are sums of money sent in payment for or against
something. I worked in
remittance department in the form making of pay orders Demand
draft, LFT. I also
learned about MISYS software, which uses cashier system for cash
transaction like cash
withdraw, deposited, Remittance, Accounts opening, LFT.I also used
this software and
made online transactions within a city and intercity by using payment
through cash and
accounts under the supervision of my senior officer. I also came to
know about the codes
of different branches for LFT.
2.2.3 Chequebook issuance:
It is issued to those customers whose accounts are operated by the
concern bank. I have
also learned to make chequebook request by filling its different
contents like serial
number, date, account number, account type and account title. I also
issued chequebooks
to customers as well. Then I used to record its entry in the register and
signatures were
13

Habib Bank Limited

taken from customer as a proof. Record had been entered on
separate pages for current
and savings account.
2.2.4 Bills Collection:
I also collected bills of Electricity, PTCL and SNGPLduring period of
my internship and also used to punch it after the public dealing was
closed. I used software to punch them. After punching all the bills, my
senior officer used to match all the balance with other system in order
to verify it.
2.2.5 Vouching:
During my internship, I had also made vouchers of different accounts
like companies
who transfer balance daily to head office. I learned how to make Debit
and credit
vouchers for such accounts of companies like WASA, WAPDA,
SNGPL. PTCL and local
filling stations.
2.2.6 Clearing:
I got the experience to know about the cheque clearance process. My
clearing department
officer told me the procedure of both the inward and outward clearing,
software used and
role of NIFT.I used to fill these cheques by filling its contents. In this
regard, I have also
learned about techniques to check the scrutiny of check by checking
name, date and sign
and also came to know that three stamps are needed for it; clearing
stamp, cross stamp
and endorsement stamp. I was advised by my sir to be remained alert
about the fake
cheques, giving some instructions for the careful examination of
cheques like signature
verification from specimen card. For the time of receiving cheques I
had to consider the
following instruction
•
Date of the cheque mean post/ out dated cheque must not be
received
•
Amount in figure or wording must be same
•
Signature must be authorized
•
If cheque amount in above of 50000 than supervision must
be necessary
2.2.7 Credit Department:
In my internship, I have also worked in credit department
where I seeked
14

Habib Bank Limited

•
What kind of loans HBL provides to its customers
•
Types of customers to whom it provides loans
•
Criteria for providing credit
•
Interest rate
•
Procedure for verifications of customers
•
Duration of loans granted
•
Procedure in case the customer defaults.
2.2.8 Facilitate Customers:
Along my other tasks during internship, I helped banking customers in
filling cheques,
forms, applications and drafts as well. This gave me confidence in
dealing with customers
and to make my communication skills stronger.
2.3 Learning from internship:
After having that six-week internship in HBL, I have learnt a
lot from it, which is an asset
for my practical life.
•

I have acquired the corporate experience through my internship. The

world of
books is quite different from the practical one. This opportunity
enabled me to get
first hand experience of corporate working environment.
•
I gained the experience of fundamental banking. Though I
worked for a shorter
time period, yet I gained the basic know how of the Bank.
•

In operations department, I came to understand properly about

account opening form, its contents and procedure to open it. Similarly
I gained knowledge about remittance and clearing department as well.
•
I also gained the experience of their software MISYS, which perform
two type of
system; Cashier system (system used only for cash transaction like
cash withdraw,
Deposited, Remittance, Accounts opening, LFT) and Equation system
(for
Clearing inward or out ward, supervision)
15

Habib Bank Limited

•
I availed the golden opportunity of my internship to enrich
my interpersonal and
communication skills.
•
 First of all, my internship has provided me with the insight
of corporate world that
I can never gain otherwise.
•
 It helped me in determining my expectations in the initial
phase of my career.
•
 My internship gave me more courageous in
communications that would help me
in the crucial phase of “Interview” in my future professional
life.
2.4. SWOT ANALYSIS:
An analysis indicating towards the organizations strengths,
weaknesses, opportunities and threat is termed as SWOT Analysis.
Such an analysis is very important for the management in retaining
the strength, overcoming the weaknesses, capitalizing over the
emerging market opportunities, and carving ways to successfully
tackle with the threats and ultimately converting them in the strengths
for the organization. During six weeks of my stay at HBL, Liaquat
Road, Rwp, I have come across the following SWOT analysis of the
bank:
2.4.1 Strengths:
Being the pioneer of banking in Pakistan, HBL is the oldest
and is the richest in
experience.
•
HBL is the leading private sector bank in the banking network
in Pakistan with
many of them online branches in major cities of the country
•

The operations performed by the bank are highly automated that

result in assurance for the customers that their transactions are
completed reliably, efficiently and securely.
•
The officers of HBL are considered as one of the most able
professionals in the
banking world.
•
HBL has the potential to encounter the competitive
environment in the market.
16

Habib Bank Limited

•

One can avail the benefit of the services provided at the bank till 5:00
P.m. which is highly useful for those customers who find it difficult to
leave their officers in the morning
•
The management of the bank believes in customer focused banking
rather than the product oriented banking. The products and services
designed by the bank are specifically tailored to the individual needs
of its customers.
•
HBL maintained its data properly and it has good data
security system
•
The revolution in the banking in the form of electronic
banking operations have
opened avenues of excellent, efficient and quick
•

Phone banking service is very attractive for those classes of

customers who don’t have time to personally come to the bank i.e.
banking on the phone line thus saving the precious time of the
customers.
2.4.2 Weakness:
•
Although the bank has computerized accounting system but
still the bankers use
to make their entries in the accounting register.
•
The bank has still some of the traditional ways of operations
in this advanced
technological environment.
•
Lack of professionalism in the branch employees mostly.
•
Poorer system of recovery of the system is a threat to
bankruptcy.
•

The employees are constantly rotated from one job to another job of
totally
different characteristic in the view of giving them the know-how of the
working in
all the departments.
•
Presently there is no specific training program arranged for
the new recruiters.
They have to learn based on their observations and also their
mistakes.
•
There is pressure not only on the new learner but also on the
person placed upon
with this responsibility.
•
HBL is lacking of customer feed back.
17

Habib Bank Limited

2.4.3 Opportunities:
•
A large amount of foreign investment is attracted.
•
Strong potential for growth
•

Opportunity for developing value added services combined with

corporate
banking relationships, cash management services to large and
medium sized
corporate clients.
•
Habib Bank Limited provides opportunity to utilize its skills
and efficiencies in
leasing business.
•
E-banking facility is also a new opportunity which is a
flourishing business in
foreign countries and can also be here, if HBL takes the
initiatives.
•
Govt. is taking very bold steps to promote IT in Pakistan, so
HBL has an
opportunity to improve in technology.
•
Branches In Remote Areas
2.4.4 Threats:
•

The schedules of charges indicate that the fees charged by the bank
on the various services it provides are extremely high. It may result in
decrease in the number of its exiting customers.
•
Shortage of trained and specialized staff at lower executive
and officer levels
•
Facing more competition by foreign banks in the market.
•
Loss of confidence of overseas customers due to freezing of
accounts.
•
Highly attractive and advance services by foreign banks to
their customers.
18

Habib Bank Limited

2.4. RECOMMENDATIONS:
I spent six weeks of my internship in HBL, Liaquat Road Branch, Rwp.
During these weeks, I felt myself to be a part of HBL. Even, this was
my first experience of working in a banking organization. Before this I
know a little about the banks, its working system and environment, so
I learned a lot from this experience. Based on my experience &
observation regarding the operations and policies of HBL, there are
some recommendations which include short term as well as long term
issues for the improvement.
•

Habib Bank Limited although providing the customer service in better

way but
there is a lot of work to do in a routine banking due to which
employees work for
long time. Management should gave relaxation to the employees by
hiring new
professionals and reduce the working hours.
•
Attitude & Behavior of Branch Manager should be cooperative
& friendly in
order to entertain the problem faced by the employees.
•
Division of work must be definite and certain. A person
should do only such job
for which he is appointed. Work sharing is also important for
greater productivity.
•
Every one in the organization must know the computerized
system, for this
management should hire professionals to train them.
19

Habib Bank Limited

•
More and more facilities of loans should be provided to
individuals for enhancing
the business, studies etc on easy terms and conditions
•
For financing activities the process should be easy to the
customer.
•
Training program should be started for internees and newly
appointed employees.
•
Their should be more marketing activities for the auto
financing and other loans.
•
Habib Bank Limited needs to use more marketing channels to
make the public
aware of its products and services.
•
The number of women hired by Habib Bank Limited is less as
compared to male
staff, so it should employ more women.
•
The bank charges high service charges as compared to the
other banks, so these
should be lowered down.
•
Quick response to customer queries is necessary to maintain
a healthy relationship
with the customer
•

Surveys must be conducted regarding customer satisfaction level and

all
employees of this department should look forward to get feedback
whenever
possible.
20

Habib Bank Limited

CONCLUSION:
To sum up, internship is like “The First Flight” for a young business
graduate who is to enter his professional life very soon. It provides a
gateway to youngsters and an insight of corporate world. It helps them
in the orientation phase of their first job as well and if we talk about
internship decision in banking sector, HBL is clearly the first choice of
every one who believes in qualitative approach of banking an
environment of highly responsible people. Bank is enjoying a healthy
market share and taste of good status in terms of its operative features
and customer support. HBL is clearly the best bank operating in
Pakistan. HBL has more customers as compare to other banks, if they
given proper attention to every customer then in few years it will be the
leading bank of the country.
21
Habib Bank Limited
References
•
www.hbl.com
•
www.google.com
•
HBL Annual Report 2007
•
Direct Interaction and Learning from:
 Branch Manager (Talat Mahmood)

 Operation manager (Rana Muhammad Ashraf)

 Personal Banking officer (Muhammad Hammad Rafi)

 Credit Department Officer (Saeed Akhtar)

22
Habib Bank Limited
Appendix # 1
23
Habib Bank Limited

Appendix # 2
List of Forms Attached
24
Habib Bank Limited
TABLE OF CONTENTS
PAGE #
Internship Letter
Executive Summary
1 INTRODUCTION OF
HBL...........................................................................................
.. 1
1.1. Brief History of
HBL................................................................................................ 1
1.2 OBJECTIVES OF
HBL.............................................................................................2
1.2.1 CORE VALUES OF
HBL................................................................................... 2
1.3 ORGANIZATION
STRUCTURE............................................................................. 4
1.4 Products/
Services:.................................................................................................
.... 6
1.4.1 Individual
customers:.......................................................................................... 6
1.4.2 Business
Customers:...........................................................................................
7
1.4.3 Agency Services to
Customers:........................................................................ 10
Collection of
Cheques:................................................................................................
...... 10
Collection of
Dividends:...............................................................................................
..... 10
Purchase and Sale of
Securities:........................................................................................ 10
Execution of standing
instruction:.................................................................. . . . . . . . . . . . . . .
. . . . . 11
 Acts as an
agent:......................................................................................... . . . . . .
. . . . . . . . . . . . . . . . . 11
Foreign exchange
Business:...............................................................................................
11
Acts as a
referee:...................................................................................................
............. 11
Collection of Utility
Bill:................................................................................................... 11
Locker
Facility:....................................................................................................
.............. 11
2. LEARNING &
EXPERIENCE:....................................................................................
12
2.1. Internship Duration and Rationale for
Selection:................................................... 12
2.2. Details of
Training:............................................................................................. 12
2.2.1 Account
Opening:...................................................................................
.......... 13
2.2.2
Remittances:.............................................................................
.................... . . . . 13
25
Habib Bank Limited
2.2.3 Chequebook
issuance:.......................................................................................13
2.2.4 Bills Collection:............................................................................ .
. . . . . . . . . . . . . . . . . . . 14
2.2.5 Vouching:..................................................................................... .
. . . . . . . . . . . . . . . . . . . . 14
2.2.6
Clearing:.................................................................................................
 ....... . . . . 14
2.2.7 Credit
Department:...........................................................................................
. 14
2.2.8 Facilitate
Customers:........................................................................................ 15
2.3 Learning from
internship:................................................................... . . . . . . . . . . . . . .
. . . . . . . 15
2.4. SWOT
ANALYSIS:.................................................................................
...............16
2.4.1
Strengths:...............................................................................................
........... 16
2.4.2
Weakness:..............................................................................................
............ 17
2.4.3
Opportunities:.........................................................................................
..........18
2.4.4
Threats:...................................................................................................
.......... 18
2.4.
RECOMMENDATIONS:.........................................................................
.............. 19
CONCLUSION:.................................................................................... .
. . . . . . . . . . . . . . . . . . . . . . . . . . . 21
References.............................................................................................
............................. 22
Appendix #
1..............................................................................................................
...... . . 23
Appendix #
2..............................................................................................................
...... . . 24
26

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