Haider Aftab M12BBA016

Umar Farooq M12BBA026

Saad Ansari M12BBA060
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Definition

HMB
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Contents
History & Introduction
2
Ranking & Rating
Branches
3
Vision & Mission
4
HMB
Organizational Hierarchy
5
Corporate Information
6
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Contents
Competitors
1
Financial Analysis
9
SWOT Analysis
10
7
PEST Analysis
11
Recommendations
12
HMB
Products & Services
8
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Introduction
Habib Metropolitan Bank was incorporated in Pakistan
as a Public Listed Company in 1992.

On October 26, 2006 Habib Bank A G Zurichs Pakistan
Operations merged into Metropolitan Bank Limited and
the merged entity was named Habib Metropolitan Bank
Limited (HMB).



HMB
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Ranking
The Bank ranks
within Top 10 in
Pakistan with a
strong vision to be
the most respected
Financial Institution.
HMB
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CREDIT RATING
LONG
TERM
AA+
SHORT
TERM
A1+
HMB
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Branches:
Headquarter:
Spencer's Building I.I
Chundrigar Road
Karachi, Pakistan
Branches:
Over 150+ branches in 21 cities
of Pakistan
HMB operates in more than 20
countries across the world.
HMB
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OUR VISION
Based on a foundation of
trust,to be the most
respected financial
institution,delighting
customers with
excellence,enjoying the
loyalty of a dedicated
team,meeting the
expectations of regulators
and participating in social
causes while providing
superior returns to
shareholders.

HMB
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"The Mission of the Habib metropolitan Bank is to foster
a sound economic and financial environment which
promotes the development of its stakeholders and
encourages a culture of excellence and leadership."

HMB
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ORGNIZATIONAL HIRARCHY
BOD
CEO
Head Office
Zones
Branches
HMB
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CORPORATE INFORMATION
CHAIRMAN:
Kassim Parekh

President & CEO
Mr. Siraj Uddin Aziz

Directors
Muhammad H.Habib
Raza S. Habib
Bashir Ali Muhammad
Anwar H. Japanwala
Ronaid V. Emerson
Firasat Ali
Mohamedali R. Habib
(Executive Director)

Board of Directors
HMB
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CORPORATE INFORMATION
Company Secretary
Muhammad Imran
Audit Committee
Reza S. Habib
Kassim Parekh
Mohamedali R. Habib

HMB
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COMPETITORS
Arif Habib Bank
MCB
Bank al Habib
National Bank of Pakistan
Bank Alfalah
Stanard Chartered Bank
HMB
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Products & Services
A- Deposits
HMB Basic Banking Account
HMB Premium Deposit Scheme
HMB Mahana Scheme
HMB Current Account
HMB Saving Plus Account
HMB PLS Saving Account with free life insurance
HMB Super current Account
HMB Privilege 55+ Savings Deposit

HMB
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Account Open with Rs. 1,000/-
No minimum balance is Required
Non-remunerative account
No limit on number of ATM / Deposit
transactions
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Minimum Investment with Rs. 25000
Profit Rate upto 11.00 % pa
Investment for 1,3 or 5 years

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Minimum Investment with Rs. 25000
Easy loan facility.
En-cashable any time.
Monthly Profit credited to your account
automatically.
Investment for 1,3 or 5 years

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Account Open with Rs 5,000/-
Minimum balance to maintain in the account is
Rs. 1,000/-
No profit is paid
No deduction of Zakat

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Initial Deposit Rs.25000
Profit Upto 8.0 % p.a
Profit quarterly Basis

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Account open with Rs.1000
Minimum amount to maintain account Rs.500
Free life Insurance cover.

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Account open with Rs. 100,000/-
No deduction of Zakat
Rent Free Lockers
Online Funds Transfer

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A savings account for 55 year old & above.
Initial Investment Requirement-Rs.25,000/-
Attractive return of 9%
Free Life Insurance up to 65 years, a unique
feature available only to HABIBMETRO privilege
55+ customer.
Easy Loan Facility
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Products & Services
B- ADVANCES
HMB Personal Loan
HMB Auto Finance
HMB Auto Lease
HMB Education Loan
HMB
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HMB PERSONAL LOAN
Clean Loan up to
Rs.500,000
Processing fee is the 1%
of Loan or Rs.2000
Which ever is High

HMB
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HMB AUTO LEASE
Offered to our commercial
and
Corporate clients
Down Payment 10%
Processing fee 0.5% of
leasing amount
Registration in the name
of Bank
HMB
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HMB Auto Finance
HMB Auto Finance available
Upto 3 Million
Minimum 15% Down Payment
Processing Fee Rs.4000
Registered in the name of
Customer

HMB
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HMB Education Loan
Educational loans
are offered to:
a) Graduates
b) Post Graduates
c) PhD
d) Diploma courses

HMB
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Services

HMB Call Center
HMB GSM Mobile Banking
HMB Rent Free Lockers
POS ( Point Of Sale )
HMB
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24 hours card blocking of HMB access (ATM /Debit
Card) in case of loss or theft
Dail 0800 42242
Instant access to the information you need at any
time, from anywhere
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Balance Inquiries
Transaction Inquiries
Other Inquiries
Inward Remittances
Other Banks Cheque Cleared
Other Banks Cheque Returned
Your Cheque Cleared
Your Cheque Returned

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Cash can be withdrawn up to Rs. 250,000/- via
HMB ACCESS (ATM / Debit card).

No need to issue cash cheques and no need to
wait.

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HMB Rent Free Locker
Secure
Available in,
Size Security Deposit

Small Rs. 20,000
Medium Rs. 35,000
Large Rs. 60,000
Extra Large Rs. 100,000

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Cash can be withdrawn up to Rs. 250,000/- via HMB
ACCESS (ATM / Debit card).

No need to issue cash cheques and
no need to wait.

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FINANCIAL ANALYSIS


HMB
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Financial Highlights
For the Year Dec '11 Dec '10
Shareholders Equity
24,326 20,954
Paid-up Capital 10,478 8,732
Total Assets
288,219 252,211
Deposits
185,400 160,458
Advances
109,657 119,828
Investments
147,525 100,994
Earnings Per Share
(Rs.)
3.13 3.23
(Rupees in million)
HMB
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Financial Highlights
2,400
2,500
2,600
2,700
2,800
2,900
3,000
3,100
3,200
3,300
3,400
2009 2010 2011
Rs.2,818
Rs. 3,281
Rs. 2,739
(Rupees in million)
Profit After Tax
HMB
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SWOT
STRENGTHS
WEAKNESSES
OPPORTUNITIES THREATS
HMB
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STRENGTHS

Large capital base.
Asset utilization is very
good.
Rank in top 10 bank of
Pakistan.
Loyal management.
Bank is continuously
focusing on developing
new and innovative
products to attract their
target market.

HMB
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WEAKNESSES
No Advertisement
No further growth in
branches.
Majority of shares are
owned by the one family.
Low consumer finance.
Less job satisfaction of
employees.


HMB
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OPPORTUNITIES
Attract Foreign investors
due to dual banking
regulations.
Provide online facility to
every customer.
Can introduce new
products and services



HMB
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THREATS:
Adverse impact of
Credit Crisis can
badly effect on HMB.
Political instability.
Inflation
Stiff competition

HMB
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PEST Analysis
Political
Economical
Social Technological
HMB
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Political
Political Instability
Increase in Tax rate
Complexity in Law
Bad Policies of Govt.

HMB
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Economic
Economy Of Pakistan
is facing big Problems
such as
Employment
Inflation
Illiteracy

HMB
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Social
Population Trend
Culture
Religious Factor
Joint Family System
Low Standard of Living

HMB
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Technology
New Technology
Online Services
Using New
Software

HMB
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RECOMMENDATI ONS
Introduction of new products
/services in the market
Hire new skilled
management
Give importance to all
customers
Increase the branches in the
country
Improve standard of banking
HMB
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Conclusions
HMB offers branch banking, e-banking, consumer
banking, international banking to facilitate their
customers
The credit ratings denote a very high credit quality, a
very low expectation of credit risk and a very strong
capacity for timely payment of financial
HMB
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