Internship Report On Habib Bank Limited

Habib Bank Ltd.
Internship Report, 2010

Executive Summary
Department of Management Sciences demands every student of BBA/MBA program

to go a procedure of 4 to 6 weeks internship course and to present the report based
on the observations and work done during the training practice. It is actually the
appraisal of any organization currently running its business, having its competitors. It
is also meant for discovering the weaknesses and shortcomings and then giving the
suggestions for perfection.
I have fulfilled my eight weeks internship at Habib Bank Limited, The Islamia
University Branch Bahawalpur and tried my level best to achieve something sensibly
from this opportunity.
In my internship I opened many accounts of the customers; most of them were the
employees of The Islamia University. I also did a lot of work on the pension and
salary days. As there is a bunch of crowd on these days so I helped the staff of the
bank by filling out the pension forms and then recording the entries in the register of
the Pension Records. In this way we winded up the work quickly and in less time.
Department of Management Sciences demands every student of BBA/MBA program

to go a procedure of 4 to 6 weeks internship course and to present the report based
on the observations and work done during the training practice. It is actually the
appraisal of any organization currently running its business, having its competitors. It
is also meant for discovering the weaknesses and shortcomings and then giving the
suggestions for perfection.
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Habib Bank Ltd.
I have fulfilled my eight weeks internship at Habib Bank Limited, The Islamia
University Branch Bahawalpur and tried my level best to achieve something sensibly
from this opportunity.
This internship report starts from the introduction on word ‘BANKING’ and then
history of Habib Bank Limited of Pakistan i.e. how it helped the nation and country in
any way.
Bank mission and vision statement shows that it focuses on overall performance of
bank and quality of service and products.
The main objective of the bank is to realize the real importance of its customers and
is profit-oriented.
A bank performs basic functions that are:
 Accept money as deposit
 Investing deposits to earn profit
 Miscellaneous functions
Each branch of the bank is divided into different

sections on the basis of these basic functions.
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Deposit Section opens different accounts of clients and maintains record of
money deposits from the customer and credited it into his account. It also maintains
record of payment to the customer when he presents cheque.
Remittance and Collection Section deals with customers who want to

transfer or collect their money from other city.
Clearance Department deals with the clearance of cheques of other banks and
also the cheques can be cleared at any branch of bank.
I have also given the SWOT Analysis of HBL which shows that the bank as many
Strengths and Weaknesses and also with many Opportunities there are numerous
Threats as well.
After this I have suggested and recommended how bank can improve its working and
flourish.
I also faced some challenges and problems before, during and after my internship in
the bank which I have added in the report
In the end I have given conclusion of the entire report.
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INTRODUCTION OF ORGANIZATION
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What is Bank?
“Bank is an institution which revives money from one party and lends to
another party.”
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There are different views about origin of the word “Bank”. According to some people
the word “Bank” is derived from the world “Bancus” which means a “Bench”. They
argue their point by this transacted their business of money exchange on the
benches. If the business of any businessman failed, his bench was destroyed by the
people. Due to this practice the word “Bankrupt” was also used.
On the other hand some people say that the world “Bank” is derived from German
time the word “Bank” was replaced by the word “Bank” which is called “Banco”
in Italian language.
The bank can be defined as a “financial institution that borrows money from
one party and lends to the other party (Government, individual,
business) and the difference between borrowing and lending make profit
for the bank.”
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In Simple words we can also say that bank is a pipeline through which money moves
into and out of circulation. Bank accepts deposits and repays cash to its
customers on demand. The bank borrows money at a lesser rate of interest
and lends it to the borrower at a higher rate.
The history of banking evolution is very interesting. In the early ages human like and
wealth was not secure. Due to fear of loot-mar and theft people buried their
wealth under land but this method was not satisfied. People started to search
the custodians of wealth. The evolution of banking started and it has crossed
the many stages.
Why Bank is important?
Bank plays a significant part in the economic existence of nation. The growth of
economy is strongly related to the reliability of its banking system. Although
banks create no new money but they borrow, exchange and use wealth. In
this way they become very valuable partners in the process of economic
development.
The fundamental role of bank is to persuade the habit of savings among the people
and to activate these savings for investment purposes. Banks serve in capital
formation.
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If there are no banks then there would be concentration of capital in few hands and
the great fraction of capital of the country would remain inactive.
Loan facility provided by the bank works as an encouragement to the produce to

increase production. Banks offer transfer of payment facility, which is cheaper,
quicker and safe. These facilities are very much accommodating for the
development of commerce and trade.
Types of Banks
Banks are classified according to their field of activity; the main types of banks are as
under.
 Commercial banks
 Industrial banks.
 Agricultural banks
 Saving banks.
 Exchange banks.
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 Central banks
 Cooperative bank
Commercial Bank
Commercial bank is occupied in performing the routine duties of banking business.

Such bank collects the money from the people (as borrowing) and extends the same
money as a loan for development purposes.
Commercial banks are having profit earning concerns. They

receive deposits and advance loans to the borrowers. They
greatly help in financing for internal and external trade of the
country
So we can say that commercial banks are companies “which transact business of
banking in Pakistan”. Commercial banks have constituted the most important source
of institutional credit in the economy of Pakistan. E x a m p l e o f c o m m e r c i a l
banks in Pakistan is HBL, UBL etc.
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Habib Bank Ltd.
Functions of Commercial Banks:
Today there are more than 7000 branches of commercial
banks along with an established network of supplementary
financial institutions.
The function of a modern commercial bank can be divided

under four headings as:
 Acceptance of deposits
 Advancement of loans
 Agency service
 General utility Service
History of banking in Pakistan

At the time of independence, there were 487 offices of scheduled banks in the
territories now constituting Pakistan. Following the announcement of independence
plan in June 1947, the Hindus residing in the territories now comprising Pakistan
started transferring their registered offices in Pakistan, transferred them to India in
order to bring a collapse of the new state. By 30th June 1948, the number of offices of
scheduled banks in Pakistan declined from 487 to only 195.
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BANKING IN PAKISTAN
Pakistan has indeed unique banking

history commencing as were from
scratch at the time of Pakistan of this
subcontinent. However it soon comes
over its extra ordinary banking
problems and by grace of Allah we
have a stable banking sector.
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Habib Bank Ltd.
HISTORY OF HABIB BANK LIMITED
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Habib Bank Limited
Habib Bank Limited commonly referred to as "HBL" and head-quartered in Habib
Bank Plaza, Karachi, Pakistan, is the largest bank in Pakistan. The bank has a
network of over 1450 branches in Pakistan and 55 branches worldwide. It has a
domestic market share of over 40%. It continues to dominate the commercial
banking sector with a major market share in inward foreign remittances (55%) and
loans to small industries, traders and farmers.
Mohammed Ali Jinnah, Pakistan's founding father,

realized the importance of financial intermediation while
he was campaigning for the creation of a separate
homeland for the Muslims of India. He persuaded the
Habib family to establish a commercial bank that could serve the Indian Muslim
community. His initiative resulted in the creation of Habib Bank in 1941, with HO in
Bombay (now Mumbai), and fixed capital of 25,000 rupees. The bank played an
important role in mobilizing funds from the Muslim community to finance the All-India
Muslim League's campaign for the establishment of Pakistan. Habib Bank also
played an important role in channeling relief funds to Muslims hurt in the communal
riots and violence that preceded the departure of the British from India.
After Pakistan was born in 1947, Habib Bank, at the urging of Governor-General
Jinnah, moved its headquarters to Karachi, Pakistan's first capital. This gave Karachi
its first commercial bank of the newly formed Pakistan. The Habib family owned and
managed the bank until the Pakistan government nationalized it on 1 January 1974.
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Habib Bank Ltd.
HBL’s first international branch was established in Colombo, Sri Lanka in 1951 and
Habib Bank Plaza was built in 1972 to commemorate the bank’s 25th Anniversary.
On June 13, 2002 Pakistan’s Privatization Commission announced that the

Government of Pakistan had formally granted the Agha 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, 204,
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. Today, Habib Bank is truly the bank of the
people, providing its customers convenience and satisfaction all over the world. HBL
plays a central role in Pakistan's financial and economic development.
Habib Bank Plaza, the tallest building in Pakistan, is the proud symbol of HBL’s
leadership in Pakistan’s corporate arena.
Habib Bank offers the basic range of banking services to its customers, to include
Commercial, Corporate, Investment, and Retail Banking, Treasury, and Islamic
Banking. It has more than 1489 branches all over Pakistan and presence in 26
countries across five continents. With a revamped customer oriented philosophy, we
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are pursuing new avenues of leadership through innovation, as it gear up to face the
challenges of the new millennium.
VISION, MISSION & VALUES
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Vision of HBL
“Enabling people to progress with a confidence and success.”
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Mission of HBL
“To be recognized as the leading financial institution of Pakistan and a

vibrant international bank in the promising markets, providing our
customers with a best set of original products and services, and granting
superior values to our stakeholders – shareholders, customers and
employees.”
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Core Values
HBL is absolutely trapped with a business philosophy that incorporate five concrete
values which each individual associated with the bank abides by. Our values are the
fundamental principles that define our culture and are brought to in our life in our
attitudes and behavior. It is our values that make us unique and unmistakable. Our
values are defined below:
1) Excellence
This is at the core of everything we do. The markets in which we operate are
becoming increasingly competitive, giving our customers an abundance of choice.
Only through being the very best - in terms of the service we offer, our products and
premises - can we hope to be successful and grow.
2) Integrity
For us, integrity means a synergic approach towards abiding our core values. United
with the force of shared values and integrity, we form a network of a well-integrated
team.
3) Meritocracy
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Habib Bank Ltd.
At every level, from selection to advancement, we 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.
4) Customer Focus
We understand fully the needs of our customers and adapt our products and services
to meet those. We always strive to put the satisfaction of our customers first.
5) Progressiveness
We believe in the advancement of society through the adoption of enlightened
working practices, innovative new products and processes, and a spirit of enterprise.
Objectives
The bank’s main aim is to provide better and efficient services to its domestic and
efficient customers and overseas customer regarding the need for improving the
financial performance of the company.
Next are some of the main objectives of HBL.
• To get profit for the Bank itself and maximize its shareholder’s value.
• To offer solutions for multiple requirements of clients of assorted financial nature.
• To cope with the changing trends of the modern day financial market.
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Habib Bank Ltd.
• 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
ORGANIZATION STRUCTURE
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Habib Bank Ltd.
Domestic Structure
With a domestic system of 1408 trade branches and 17 business branches which are
well located in all cities and towns of the country, the bank provides the entire
banking services counting consumer and corporate finances, leasing, investment and
money market transactions etc.
International Structure
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Habib Bank Ltd.
Through its 15 overseas offices including branches, locally included subsidiaries and
joint ventures, the bank has international presence in 26 countries encompassing the
United Kingdom, Continental Europe, the Middle East, Southeast and Far East Asia,
Africa, Australia, and the United States. Besides providing banking services to the
emigrants Pakistanis, these offices also help out in developing linkages between
Pakistan and the international financial set-up.
Operational Structure
HBL is among the principal commercial bank of Pakistan. It accounts for a

considerable share (40%) of the entire commercial banking market in Pakistan with a
set-up of 1,705 domestic branches; 55 overseas branches in 26 countries extend
over Europe, the Middle East, Far East, Asia, Africa and the United States; 3 HBL
wholly owned subsidiaries explicitly Habib Bank Financial Services (pvt) Ltd.
(Karachi), Habib Finance International Ltd. (Hong Kong) and Habib Finance Australia
Ltd. (Sydney); 2 joint ventures namely Habib Nigeria Bank Ltd. (40%) and Himalayan
Bank Ltd. (20%); and 2 delegate offices in Iran and Egypt.
Retail Banking
Retail banking of HBL consists of trade lending, deposits, and banking services to
private individual and small businesses.
Corporate & Commercial Banking
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Habib Bank Ltd.
Consists of business customers and savings banking, includes advices and
placements to commercial mergers and acquisitions, underwriting, privatizations, and
securitizations.
Ownership Structure
HBL operated under Government possession from 1974-2004. After privatization in

2004, 51% of the bank’s shares were purchased by the Agha Khan Fund for
Economic Development, an organization of the Agha Khan Development Network.
The administration of Pakistan is expected to slowly strip its remaining 49% shares in
the bank.
Business Segments
A segment is a noticeable constituent of the bank that is occupied in providing

product or service (business segment), or in providing products or services within a
particular economic environment (geographical segment), which is subject to risk and
rewards that are different from those of other segments. The bank’s primary layout of
reporting is based on business segments.
Geographical Segments
The bank operates in five geographic regions, being:
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Habib Bank Ltd.
 Pakistan
 Asia Pacific (including South Asia)
 Europe
 North America
 Middle East
 Others
Board of Directors
What does Board of Directors do?
• To construct the policies in order to support the business of bank.

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• To announce the profits on deposits.
• To declare the rate of interest on advances and loans.
• To make the policies for the benefit of bank recruits.
List of Board of Directors
Sultan Ali Allan CHAIRMAN
R. Zakir Mahmood PRESIDENT & CEO
Mushtaq Malik DIRECTOR
Ahmad Jawad DIRECTOR
Yasin Malik DIRECTOR
Moez Jamal DIRECTOR
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Management
List of Management
R. Zakir Mahmood PRESIDENT & CEO
Sohail Malik RISK MANAGEMENT
Saima Kamil CORPORATE BANKING
Nauman K Dar INTL BANKING & CEO HABIB ALLIED

INT BANK
Ayaz Ahmad CHIEF FINANCIAL OFFICER
Abid Sattar RETAIL & CONSUMER BANKING
Zafar Aziz Usmani HR & ORG DEVELOPMENT
Mudasir K Khan GLOBAL OPERATION
Jamil Iqbal CHIEF COMPLIANCE OFFICER
Faizan Mitha GLOBAL TREASURY
Saleem Amlani AUDIT & INVESTIGATION
Aslam Gatit ASSET REMEDIAL MANAGEMENT
Tulu Islam IT & SYSTEMS
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Mirza Saleem Baig COMMERCIAL BANKING
Kashif Shah INVESTMENT BANKING
Aly Mustansir BRAND MANAGER
Management Hierarchy
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President
Board of Directors
Member Executive Board
Zonal Chief
Branch Managers
FUNCTIONS AND DEPARTMENTS

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FUNCTIONS OF HBL
Basic Functions
• Receiving of money and deposits
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• Lending and investing the deposit money
• Miscellaneous functions
Miscellaneous Functions
• Collecting negotiable instruments on behalf of customer.
• Issuing Letter of Credit for the customer.
• Receiving values for safe custody.
• Issuing guarantees and LC’s.
• Utility services.
• Transfer money from one place to another.
• Giving there customer life insurances for better future.
Departments of HBL
A variety of departments are working in all the branches of Habib Bank Limited to
smooth the progress of banking for the customers. Few of them are:
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Habib Bank Ltd.
1) Account Opening Department:
Account opening is a contract in which customer offers his finances and bank
accepts those funds, hence the nature of relation between a banker and customer is
of a contractual one and all the conditions pertinent to this agreement act are also
applicable.
The essential function of accounts department is to open fresh customers account

and assist the customers for the account opening purpose.
A) Types of accounts:
Depositors can open following types of accounts.
• Current account
• Profit and Loss account
• Basic Baking Account
 Current Account/Demand Deposit:

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In this category of account the customer is permitted to withdraw or deposit money
as and when he likes. Unlike term deposit there is no restriction of withdrawals. The
depositor can draw or demand amount money at any time by presenting the cheque
in the bank. No revenue or interest is specified on these accounts. These types of
accounts are generally maintained by the businessmen who may draw money at any
time. Zakat is also not deducted on these accounts and no any notice is necessary
for the withdrawal of money. In urbanized and developing countries a very
noteworthy amount of money is kept under current account.
 Profit and Loss (PLS) Account:
These sorts of accounts are one footstep towards the Islamisation of banking system
in Pakistan. Under such accounts bank allows no interest to the customers.
Following each six months the executive board of the bank specifies the
profit/interest on this account and the rate of profit is declared by the Head Office
Habib Bank Limited.
On the first of Ramadan Zakat is deducted at the rat of 2.5%. If any customer does
want to pay the Zakat form his account then he must give an affidavit that he will give
Zakat by himself or he belongs to Fiqah-e-Jafria.
Limitation on withdrawal of heavy balances is now abolished. Customer can withdraw

heavy amount within the banking hours without giving any notice.
B) Requirements for Opening an Account:

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Habib Bank Ltd.
• A copy of ID card of both introducer and customer
• Original ID for verification copies of student card for students and

appointment letter from the employees of IUB.
• If customer use thumbs impression then must give his 3 recent

photographs.
• Next of kin: the customer must clear that who is responsible for the
account in his absence.
• Customer must be present at the time of opening the account.
C) How to open an account:
There is a definite official procedure which is to be observed for opening a current or

saving account with a Bank. These formalities in brief are as under:
I. Formal Application:
The customer is to fill an "Account Opening Form”. It is a official request by a
customer to the bank to permit him to have and manage the current or saving
account.
II. Obtaining Introduction:

The bank previous to opening an account obtains introduction of the customer from
an old customer, responsible person etc
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III. Specimen Signature:
When the Banker is contented about the truthfulness of the customer, he agrees to
open the account. The Banker then obtains the specimen signatures of the customer
on the signature book or on card.
IV. Minimum Initial Deposit:

In Pakistan the current account can be opened with a minimum balance of Rs. 500/-
and PLS Saving Account with a minimum of Rs 100/- These amounts are also the
minimum balances to be maintained by the account holders with the bank.
V. Operating The Account:

When an account is opened in a Bank, the Banker gives to the customer.
i. Pay in slip book.
ii. Cheque Book and pass book with a view to operate it.
Cheque book:
It is a printed book of blank cheques provided by the bank to its customer for drawing
money from their account. Different cheque books are available for the current and
PLS account.
Issuance of chequebook:
For issuance of cheque book of a new account, the customer first fills out the
requisition slip and submit it to the relevant officer, who in turn will issue chequebook
to the customer within 4-5 days or a week. The officer will enter the date, account
title, number of leaves, cheque number from start to end, account numer and the
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signature of the applicant on the chequebook issuance register. The officer will also
enter the account number on each cheque of the book and in case of photo account (
either having thumb impression or shaky signs) stamp is impressed written ” All the
cheques to be signed in the presence of the bank officer(this stamp is impressed on
the cheque books of those people who have shaky signs) “Right or left thumb will be
affixed in the presence of bank officer” (This stamp in impressed on the cheque
books of those people who use thumb impressions). And in case of Minor’s account,
every cheque has a stamp impressed written “The account will be operated by minor
if even minor attains the age of majority.”
D) Withdrawal from an Account:

Withdrawal is done through cheques supplied by the Bank. A new cheque book is
issued only on receipts of the requisition slip attached to the cheque book issued
earlier and this offered along with the depositor pass book for entire against cheque
book challan. Cheque book is issued on prudence of the branch manager.
E) Transfer of an Account:
Account can be transferred to any other branches of Habib Bank Ltd., free of charge.
If a shareholder wants to transfer his account, he presents his pass book individually
or sends it to Bank and writes a request for the transfer of an account.
F) Closing of an Account:
A shareholder ready to close his account must present his pass book in order that
withdrawals and the amount of interest due on the account is entered within and final
balance stuck. This balance is then paid to the depositor and his proof of payment is
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taken, the pass book is canceled, unused cheque forms on hand are also
surrendered at the same time.
G) Secrecy:
The confidentiality of depositor’s account is the responsibility of every official
engaged in the Bank service.
H) Money Deposited or Drawn by Post:

When currency is sent by post for deposit, the pass book and a letter starting the
amount of the deposit and the number of the account escort it.
When a depositor desires to withdraw money by post he must forwards his pass
book with a letter stating the number of his account, the amount to be drawn and
either the money is to be remitted by money- order or in currency notes registered.
2) Remittance Department:
Remittances are arithmetic of money sent in payment for or against something. The
remittance department is chiefly concerned with these payments. As it is the
responsibility of the bank to pass on the money to any place where there is a bank.
Remittance is the chief department of the bank. It is the easiest and safest way to
send money to any situate. Remittances are divided into:
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Habib Bank Ltd.
A) Inward Remittance:
Inward remittances refer to payment in goodwill of the banks account holders. Inward
remittance includes all cheques received for collection i.e. cheques and drafts
received for the payment and clearance or drawn on us from customers or other
bank on behalf of their customers are called remittance inward.
B) Outward Remittance:
Outward remittances are the entire payments prepared to other people on behalf of
the account holders in the bank. Outward remittances can also be done for non-
account holders who deposit cash in the bank and remittance tools are prepared for
them. In short, all instruments issued by us which are drawn on other branch of the
same bank or instrument deposited for collection from other bank locally or out of the
city is called remittance outward.
Types of Remittance:
Habib Bank Ltd. Of Pakistan deals with the following types of remittance:
I. Demand Draft:
Demand draft is the on paper order given by one branch of the bank on the behalf of
client to another branch outside the city of the same bank for a certain amount to the
certain person.
It is the most commonly used method for the remittance of money. It is very simple,
firstly a form is to be filled, in which all details are specified that where and in which
branch the draft is to be sent then the money is deposited which is called draft and
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Habib Bank Ltd.
money can by drawn after showing to the bank of the specified branch of the bank.
Only specified person can draw the money on that draft. Another method to secure
the payment of the draft could be the crossing of the draft which means that it will
only be deposited in the payee’s account.
It is unconditional order. The payee is not bound to have an account in the bank. It is
issued to rest of the customer and the bank receives the charges and exchange.
II. Pay Order:
A pay order is on paper order issued by the bank on its own branch, drawn upon and
payable by itself to pay a particular sum of the money to the person. The purpose of
the pay order is to transfer the funds from one place to another. It is usually not
issued in favor of the parties of other cities. Usually the pay order is issued for the
local transfer of money between the parties.
Pay order is less costly method of relocate money. Normally this method is used to
transfer money inside the city. If it is used city wide, it takes a long time.
Procedure of DD and Pay order:

• First remittance application form is filled that is etched in annexure of the
report.
Here the customer is requested to fill update, branch, amount, cheque #,
beneficiary details; his complete name, address, CNIC no., account no. and
the details of the applicant.
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Habib Bank Ltd.
• Customer is asked to submit money on the counter by first filling the pay in
slip and required amount is received by customer from the customer.
• Cash is received by the cashier on counter and he place stamps on the pay in
slip and give the receipt to the customer.
• Then the remittance department will make the DD or pay order and then
handed overt to customer.
3) Clearing Department:
“Clearing house is a place where ambassador, of all bank get together for the
intention of setting the inter bank indebtedness arising from the transmit of deposit by
a customer of a particular bank to another bank.”
This is a superfluous banking facility which is provided to the community in this if they
are maintaining an account with the HBL they can lodge Cheque of any bank in
Pakistan, which will be collected and credited to their respective accounts through
the course of clearing. In this representatives of various banks are gathered at State
Bank of Pakistan and exchanges the Cheque presented to them for debit of the
respective accounts and in second round of meeting provide each other the fate of
those cheques to be credited to respective accounts.
When people present the Cheque of any other bank for clearing, first enter the
Cheque into the clearing register of the bank. Then this Cheque sent to the NIFT for
clearing. NIFT is the department which is created by the SBP for clearing the checks
of different banks.
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NIFT
• National Institutional Facilitations Technologies (Pvt) limited was established

in 1997 by the banking giants of Pakistan, i.e. HBL, NBP, ABL, MCB.
• NIFT has the blessing and the support of the SBP.
• It has offices in all the major cities of Pakistan.
• NIFT facilitates the clearing of cheques between institutions locally (within the
city).
• It is also referred to as the “Automated Clearing House”.
NIFT collects cheques, demand drafts, Pay orders, Travelers Cheques, etc. from
all the branches of different banks within city through its carriers and send them to
the branches on which these are drawn for clearing. After the branches approve
the instruments drawn on them, NIFT prepares a sheet for each branch showing
the number for instruments and amount in its favor and drawn on it and sends it
to each branch.
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Habib Bank Ltd.
SWOT ANALYSIS
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Habib Bank Ltd.
The short form SWOT stands for an organization’s internal Strengths and
Weaknesses and its external Opportunities and Threats. The principle of such
examination is to assemble on company’s strengths in order to take advantage of
opportunities and argue against threats and to accurate company’s weaknesses.
SWOT analysis is based on the supposition that if executives cautiously evaluate
such strengths, weaknesses, opportunities, and threats, a valuable approach for
making sure managerial accomplishment will become apparent.
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Habib Bank Ltd.
SWOT Analysis of HBL
HBL has very effectual net of branches all over the country. Each 10 th Pakistani is
account holder of this bank. HBL has made enormous savings in almost all the
essential economic sectors of Pakistan. HBL not only has made investment in
commerce but also in small scale industry as well. HBL has well-organized & a
smaller amount of technical set up. Habib Bank Ltd. has introduced monthly revenue
plan that provides almost maximum interest rate. ATM was introduced in Pakistan
by Habib Bank Ltd. Master Card facilities are also accessible to the customers.
HBL is measured to be a very sound bank in the financial circles. It is the bank
where the clientele can securely keep their money as long as they want.
In SWOT analysis the most excellent strategies accomplish in organization’s mission

by:
1. Taking advantage of opportunities and strengths.
2. Reducing the effect of its threats and
3. Evading its weaknesses.
Strengths:
• A proficiency or potential that facilitates HBL to visualize and put into practice
its strategies.
• The representatives of HBL are considered as one of the most competent

professionals in the banking world.
43
Habib Bank Ltd.
• I noticed that HBL employees cooperate with their clients as if they are their
personal friends and talk about about their problems as their own.
• Habib Bank Limited has acquired a consistent and easy to use internal
computer system. All information regarding the transactions in customers’
deposits has been automated.
• HBL uphold its data appropriately.
• HBL has very good quality security arrangement.
• HBL is the bigger commercial bank in Pakistan with the system of more than
1439 domestic and international branches.
• Being the leading the way of banking in Pakistan, HBL is the oldest and the
richest in familiarity.
• Habib Bank Ltd. spotlights on consumer banking by rewarding schemes,

products and services suiting best to the requirements and demands of the
customers.
• HBL has opened all its branches at marketable regions so that the customers
face no problems in reaching to the bank.
• The bank is all the time on the look to get better its services mutually to the
domestic as well as overseas customers.
• Human resources development and introduction of new technology towards

contemporary banking.
• 24 hours cash access and secure payment products for high value
transaction.
44
Habib Bank Ltd.
• Having prospective to meet the competitive environment in the market.
• Customer takes benefit from the services at the housing localities.
Weaknesses:
• Maximum number of branches carrying out the proper maintenance and
complexity in providing identical working atmosphere at the every branch
• Inferior organization of revival of the system is a danger to bankruptcy.
• Be deficient in customer feedback.
• Little job contentment.
• Pitiable ATM’s Service
• Irregularity in efficiency and working environment due to the largest of
branches.
• Sense of uncertainty in the employees allocated at little money-making
branches due to the down sizing.
• Females feel nervous in an environment in the middle of the male workers.
• Prey of political, legal and socio-cultural stress
• Short of professionalism in the branch employees frequently.
45
Habib Bank Ltd.
Opportunities:
Huge available market prospective in consumer banking.
An opportunity exists, in shape of opening of ladies banking segment inside the

branch which is completely a new idea and it will pull customers towards bank.
• Chance for mounting value added services combined with corporate banking
relationships, cash management services to large and medium sized
corporate clients.
• Emergent strategy of government on business and commerce sector provide
HBL opportunities to take return of these policies to meet professionally with
the business people to solve their problems with the instant cash and
investment facilities.
• Government is taking very courageous steps to endorse Information
Technology in Pakistan. HBL has an opportunity to recover its technology.
• Huge international net which mainly emphasizes on trade finance with
Pakistan can be operated to valve trade activities in other markets. In addition,
services such as cross border / offshore financing for corporate customers can
be improved.
• 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.
46
Habib Bank Ltd.
• 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:
• Consolidation in the banking segment ensuing in increased rivalry.
• Scarcity of qualified and focused personnel at minor managerial and officer
stage.
• The danger of irregularity and government policy concerning about business
and economics sectors, specially political and regional situation which makes
the environment doubtful.
• Increasing global technological progression.
• Firm regulation by government over credit conveniences to the customers as
poorly as to meet the prudential.
• Loss of assurance of out of the country customers due to freezing of accounts.
• Facing more opposition by overseas banks in the marketplace.
• Overseas banks are flourishing in field of consumer financing.
• Also the rising operation of private banks.
• Highly striking and advance services by overseas banks to their customers.
47
Habib Bank Ltd.
Financial Analysis
48
Habib Bank Ltd.
1. Return on Assets
FORMULA: Net profit after Tax / Total Assets*100
Year 2005 2006 2007 2008 2009

ROA 1.808% 2.138% 1.457% 1.45% 1.55%
2.50%
2.00%
1.50%
1.00% Years
0.50%
0.00%
2005 2006 2007 2008 2009
INTERPRETATION:
ROA measures the overall effectiveness of management in generating profit with its
available assets. The higher return on total assets is considered best.
49
Habib Bank Ltd.
Return on assets decreased in 2007 onwards and it was on peak in year 2006. This
may occurred because of more debt financing in 2006 as compare to years 2007 to
2009 which resulted in declining of net profit and rising of interest cost.
2. Return on Equity:
FORMULA: Net Profit / Equity*100
Year 2005 2006 2007 2008 2009

ROE 24.12% 24.18% 16.19% 16.61% 16.1%
25.00%
20.00%
15.00%
10.00% Years
5.00%
0.00%
2005 2006 2007 2008 2009
INTERPRETATION:
ROE measures the return earned on the common stock holder’s investment on the
firm. Generally the higher the returns the better off are the owners.
50
Habib Bank Ltd.
In 2005 and 2006 ROE is very high which indicates that the more efficient
management is utilizing the equity base and is giving a better return to its investors.
While in the years 2007 and onwards ROE is decreasing this happened may be due
to increased issuance of long-term debts.
3. Advances to Deposits:
FORMULA: Advances / Deposits
Year 2005 2006 2007 2008 2009

Advances 73.3% 76.11% 71.93% 76.43% 66.60%
to deposit
78.00%
76.00%
74.00%
72.00%
70.00%
68.00% Years
66.00%
64.00%
62.00%
60.00%
2005 2006 2007 2008 2009
Interpretation:
This ratio shows advances of the bank as compared to the deposits.
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Habib Bank Ltd.
Loans to deposit show a decreasing trend in alternative year from 2005 to 2009. This
shows that the advances of the bank decreased but on the other side bank deposits
increased. While in year 2006 and 2008 the advances of bank increased and
deposits of bank decreased.
4. Equity to Assets:
FORMULA: Equity / Total assets
Year 2005 2006 2007 2008 2009

Equity to 7.50% 8.84% 9.00% 8.72% 9.64%
assets
10.00%
8.00%
6.00%
4.00% Years
2.00%
0.00%
2005 2006 2007 2008 2009
Interpretation:
The equity to assets ratio shows the profitability and finance of the bank. In 2005
ratio is lowest this means that much of the bank is financed by loans. From 2006 to
52
Habib Bank Ltd.
onwards this ratio increased to 9.64% in 2009 showing better financial and
profitability position of the bank as approximately all of the long term capital is equity.
5. Deposits to total Liability:
FORMULA: Total deposits / Liabilities
Year 2005 2006 2007 2008 2009

Deposits to 88.56% 85.2% 85.0% 87.36% 87.60%
liability
89.00%
88.00%
87.00%
86.00%
Years
85.00%
84.00%
83.00%
2005 2006 2007 2008 2009
Interpretation:
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Habib Bank Ltd.
This ratio shows the relation between the total deposits and total liability. Its value
should be high because deposits of the bank should be high than liabilities.
The value is decreasing in year 2006 and 2007 but increasing in 2008 and onwards
which is a good sign for the company.
6. Equity to deposit ratio:
FORMULA: Equity / Deposits
Year 2005 2006 2007 2008 2009
Equity to 9.16% 11.44% 11.72% 10.96% 12.19%
deposit
ratio
14.00%
12.00%
10.00%
8.00%
6.00% Years
4.00%
2.00%
0.00%
2005 2006 2007 2008 2009
54
Habib Bank Ltd.
Interpretation:
This ratio shows the relation between total equity to the total deposit.
In 2005 ratio is lowest this means that much of the bank was financed by deposits
made to bank rather than equity. From 2006 to onwards this ratio is increasing to
12.19% in 2009 showing better financial and profitable position of the bank as
approximately all of the long term capital is equity with less or no deposits involved in
the financing of bank.
7. Investment to total assets:
FORMULA: Investment / Total Assets
Year 2005 2006 2007 2008 2009

Inv. to total 20% 20.13% 25.71% 17.32% 25.06%
assets
30.00%
25.00%
20.00%
15.00%
Years
10.00%
5.00%
0.00%
2005 2006 2007 2008 2009
Interpretation:
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Habib Bank Ltd.
The above ratio shows the relation between the investment and total assets.
As the calculation show that for the couple of years the ratio was low but the value
has increased in year 2007 and 2009. This means that the investment has increased
a lot as compared to the assets.
8. Advances to Assets:
FORMULA: Loans / Total Assets
Year 2005 2006 2007 2008 2009

Advances 59.91% 58.8% 55.23% 60.86% 52.64%
to assets
65.00%
60.00%
55.00%
Years
50.00%
45.00%
2005 2006 2007 2008 2009
Interpretation:
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Habib Bank Ltd.
This ratio measures the percentage of funds provided by the creditors. Loan to asset
is continuously decreasing except in year 2008. This continuous decrease shows a
decrease to the advances of the bank but on the other side the bank assets increase
rapidly.
9. Cash to deposit ratio:
FORMULA: Cash / Total Deposit
Year 2005 2006 2007 2008 2009

Cash to 14.99% 17.92% 15.53% 16.06% 17.61%
deposit
ratio
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Habib Bank Ltd.
18.00%
17.00%
16.00%
15.00% Years
14.00%
13.00%
2005 2006 2007 2008 2009
Interpretation:
Cash to deposit ratio is lowest in 2005 indicating a decrease in cash while in 2006 it
is highest showing an increase in cash and decrease in deposits. From 2007
onwards cash is increasing continuously but on other hand deposits of bank is
decreasing.
10. Earning per share:
FORMULA: Profit available to Common Shareholders / No. of Equity
Holders
Year 2005 2006 2007 2008 2009

EPS 13.86% 18.30% 14.49% 11.83% 14.70%
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Habib Bank Ltd.
20.00%
15.00%
10.00%
years
5.00%
0.00%
2005 2006 2007 2008 2009
Interpretation:
EPS shows the company’s profitability. In 2006 company has a maximum EPS it
indicates that company is enjoying profits more as compare to year 2007 onwards
till 2009 which shows a tremendous decrease in EPS showing adverse effect to
the company’s profitability.
11. Net Interest Margin:
FORMULA: Interest Income / Earning Assets
Year 2005 2006 2007 2008 2009

Net 4.91% 1.74% 1.74% 1.86% 1.84%
Interest
Ratio
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Habib Bank Ltd.
5.00%
4.00%
3.00%
2.00% Years
1.00%
0.00%
2005 2006 2007 2008 2009
Interpretation:
Net Interest Margin measures difference between interest income generated by

banks or other financial institutions by their lending and interest paid on borrowing.
NIM is highest in the year 2005 and then it decreased rapidly in 2006 and onwards.
This happened because interest expenses were greater than the amount of returns
generated by investments.
12. Net Profit Margin:
FORMULA: Profit after tax / Total income
Year 2005 2006 2007 2008 2009

Net profit 32.31% 35.11% 30.33% 27.90% 29.95%
margin
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Habib Bank Ltd.
40.00%
30.00%
20.00%
Years
10.00%
0.00%
2005 2006 2007 2008 2009
Interpretation:
Net profit margin shows how much a firm is earning per dollar of sales.
In 2006 company is producing highest net profit of sales i.e. 35.11% than in any
other given year. After 2006 the net profit margin is decreasing that is not a good
sign for the company’s profitability.
RECOMMENDATIONS & SUGGESTIONS
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Habib Bank Ltd.
I spend six weeks of my internship in Habib Bank Ltd, The Islamia University Branch
Bahawalpur. During this period I felt as the part of the bank. It was my first
experience to work in a banking environment. I had less knowledge about the
operations of the bank and its ambiance. This internship gave me an opportunity to
learn more about the Banking systems. Based on my experience in HBL I can
recommend or suggest them which can help them in short or long-term issues.
So, I will give following suggestions for the better function of the bank:
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Habib Bank Ltd.
 It is strongly recommended that HBL must introduce employees training
programs on regular basis. So that employees have awareness about the new
developments with the clients.
 Habib Bank Ltd. should update all the branches throughout the country as the
banking competition is very tight and they have to make their banking systems
quicker and reliable.
 Habib Bank Limited even though providing the customer service in better way
but
there is a lot of work to be done in a custom banking due to which employees
work for stretched duration. Management should reduce the burden of the
employees by hiring new qualified staff and trim down the working hours.
 If any bad debt comes up, then the bank should recover those debts as soon
as possible so that its financial position should improve.
 Branch manager’s attitude and behavior should be supportive & friendly in

order to entertain the difficulties faced by the workers.
 All the additional banks are taking hold of the customers on very high interest
rate presented to the depositors, HBL should also implement some approach
to grab the customer and enhance total deposits.
 The amount of women employed by Habib Bank Limited is not as much as
compared to male staff, so it should provide work to more women.
 Working conditions must be improved for the employees.
 Immediate feedback to customer’s inquiries is essential to sustain a healthy
relationship with the customer.
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Habib Bank Ltd.
 Top executive should take all the decisions for the promotion of employees on
the basis of their work done in the bank
 Supplementary conveniences of loans should be provided to individuals for
enhancing the business, studies etc on simple state of affairs.
 For financing actions the procedure should be simple to the customer.
 The recruitment procedure must be reasonable and clear.
 Studies must be carried out regarding degree of customer satisfaction and all
employees of this department should look forward to get criticism whenever
possible.
64
Habib Bank Ltd.
CONCLUSION
Habib Bank Ltd.:
65
Habib Bank Ltd.
Habib Bank Ltd. is obviously the first and foremost selection of each and everyone
who believes in qualitative approach of banking, an atmosphere of extremely
accountable employees. Habib Bank is taking pleasure in a strong market share and
enjoying the taste of high-quality standing in terms of its operational features and
customer support. Habib Bank Ltd. is undoubtedly the unsurpassed bank operating
in Pakistan.
Personal loan is a distinguished feature of HBL experiencing a good reputation and
reasonable mark up with respect to prevailing market mark up with assurance of
satisfaction and support. HBL has additional customers as contrast to other banks, if
they give appropriate concentration to every customer then in coming few years it will
be the principal bank of the country.
I noticed that Habib Bank Ltd. is an economically sound bank. Its proceeds are
increasing gradually more years by year. Its personnel are exceptionally good and
genuine with the bank. But due to the current economic crash, business of the bank
has been reduced.
66
Habib Bank Ltd.
Habib Bank Limited views specialization and service brilliancy as the foundation of its
policy. The people at Bank understand that innovation, creativity, reliability,
customized services and their implementation is the important constituent for their
future enlargement.
HBL is aware that they have paced into 21st century and they must get together its
challenge by obtaining the maximum level of technology. Thus they will be speeding
up their technological advance to facilitate them to deal out their products and
services through most professional and high technology way.
Habib bank was among the top banks of the world but in few years it has lost its
position. HBL is not giving any progress due to political pressure and instability.
Other factors holding back the performance of HBL are unproductive and inefficient
management. Last but not the least corruption is the root cause of declining worth of
HBL.
Removing these factors will not only retain the worth and place of HBL but also lead
it to top ten banks of the world.
67
Habib Bank Ltd.
HBL is lacking in conflict management. There are many problems aroused regarding
any issue that leads to a conflict; HBL must be having a conflict resolving system in
which higher officials must be involved to have a keen and close look on the critical
issues. The decision making will become easier and beneficial as the issues are
observed by the higher officials. This will result in the decreasing of conflict within the
organization resulting in the motivation of workers as they are now working in ethical
environment, ultimately this will lead to increased productivity of the bank.
HBL took a great step of introducing mobile banking. But a huge problem HBL is
facing is the lack of knowledge of client. Client is unaware of this sort of banking.
HBL can launch an organized marketing program to make its customers aware of
their product.
HBL has upgraded its system by installing “MISYS” to ensure real time banking at its
about 300 local and overseas locations.
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Habib Bank Ltd.
Habib Bank, The Islamia University Old Campus Branch:
I want to sum up the pleasant experience I had during my internship program in
Habib Bank Limited, The Islamia University Old Campus Branch. I worked in various
departments of the bank and got the chance to know about the banking operations.
Pension Forms:
On the first day of internship there was
Salary and Pension week was in
process. So the bank was crowded
with people to get their salaries and
pensions.
We were told to help the bank staff by filling the pension forms. It was fun but I had to
do it with responsibility. So I and other internees did this work with full enthusiasm.
After filling out the forms we were asked to record the entries in the register of
Pension Records.
We were told that there are two types of pension:

69
Habib Bank Ltd.
1. Personal Pension:
The pension which is taken by the worker or employee by himself/herself after
he/she is retired from the work it is called PERSONAL PENSION.
2. Family Pension:
The pension which is collected by the family i.e. wife, children etc of the
employee/worker after his/her death is called FAMILY PENSION.
Every individual is assigned a P.P. no. through which he is given the pension and
then the entry is made in the register of the bank to which the pension is paid.
I worked in the various departments of the bank. My workings in those areas are as
follows:
Account Opening Department:
70
Habib Bank Ltd.
This department deals with opening account and saving account for its customer and
all matters regarding there off. I opened the current and saving accounts of individual
customers only.
We were told that there are five basic steps to open an account of any customer.
1. Add New Customer (ANC)
2. Open Customer Account (OCA)
3. Add Customer Address (CAA)
4. Customer’s Information (CIM)
5. Know Your Customer (ZYC)
Keeping in mind these steps I opened accounts of many customers. Most of them
were the employees of The Islamia University so they wanted to maintain a salaried
account with the bank. To open the account the customers were given the account
opening form and a specimen signature card to fill. And with these clients were
required to give the copy of identity card and employment certificate in case they are
employed in any organization.
71
Habib Bank Ltd.
After the paper work the information of the customer was entered in the automated
system, MYSIS, which then gives the account number for that customer. 14 digit
account number is allotted to HBL ac holders. The first four digits are the branch
code where ac is going to be opened. Afterwards the next eight digits are customer
account serial number and last two digits indicate the type of account.
This account number will be used to carry out different transactions by the customer
as the same number will be imprinted on his cheque book.
Account can be OPENED with Minimum Balance Rs.1000/- with no maximum limit.
Deposits Department:
This is the fundamental department of the bank. The entire banking system is based
upon borrowing. Like all banks, deposit department has acknowledged its worth as
the most important. Almost all the operations generated from the deposit department
and with due course of time reflect back to the deposit department. In order to attract
funds bank has introduced various types of deposit schemes that may suit the need
and tastes of a large number of depositors

72
Habib Bank Ltd.
There are three basic types of deposits:
1. Demand Deposits
2. Time Deposits
3. Saving Deposits
Clearing Department:
Clearing is a system by which banks exchange
cheques and other negotiable instruments drawn on
each other within a specified area and thereby
secure payment for their client through the clearing house at specified time” in an
efficient way.
There are two types of clearing:
Inward Clearing:
A type of clearing in which a bank does payment on the behalf of customer is called
Inward Clearing.
73
Habib Bank Ltd.
Outward Clearing:
A type of clearing in which a bank collects on the behalf of customer is called
Outward Clearing.
Outward Bills for Collection (OBC’S)
The cheques, which are sent to their city banks for the local clearing in that city, are
called outward bills for collection.
I also prepared these OBCs during my internship.
The kinds of clearing are as follows:
1. Normal clearing
2. Same Day clearing
3. Inter-City clearing
Cheque Book:
As told above cheque book is a printed book of blank cheques issued by the bank
which is used by customer for further transactions.
During my internship I observed the issuance of cheque book.

74
Habib Bank Ltd.
In short, Habib Bank Limited is the first choice of the students who want to gain the
practical experience of internship. As being the first multinational bank in Pakistan,
HBL has always strived to achieve more market share by focusing on the needs of its
current and potential customers. In this regard, HBL won “THE BANK OF THE
YEAR 2009”award which is a big achievement for HBL’s management and its hard
working employees.
75

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Habib Bank Ltd.

Internship Report, 2010

Department of Management Sciences demands every student of BBA/MBA program

Department of Management Sciences demands every student of BBA/MBA program

A bank performs basic functions that are:

 Accept money as deposit

 Investing deposits to earn profit

Each branch of the bank is divided into different

Remittance and Collection Section deals with customers who want to

In the end I have given conclusion of the entire report.

Why Bank is important?

Loan facility provided by the bank works as an encouragement to the produce to

Commercial bank is occupied in performing the routine duties of banking business.

Commercial banks are having profit earning concerns. They

The function of a modern commercial bank can be divided

 General utility Service

History of banking in Pakistan

Pakistan has indeed unique banking

HISTORY OF HABIB BANK LIMITED

Mohammed Ali Jinnah, Pakistan's founding father,

On June 13, 2002 Pakistan’s Privatization Commission announced that the

VISION, MISSION & VALUES

“Enabling people to progress with a confidence and success.”

“To be recognized as the leading financial institution of Pakistan and a

Next are some of the main objectives of HBL.

HBL is among the principal commercial bank of Pakistan. It accounts for a

Corporate & Commercial Banking

HBL operated under Government possession from 1974-2004. After privatization in

A segment is a noticeable constituent of the bank that is occupied in providing

The bank operates in five geographic regions, being:

 Asia Pacific (including South Asia)

What does Board of Directors do?

• To construct the policies in order to support the business of bank.

• To declare the rate of interest on advances and loans.

• To make the policies for the benefit of bank recruits.

List of Board of Directors

Sultan Ali Allan CHAIRMAN

R. Zakir Mahmood PRESIDENT & CEO

Mushtaq Malik DIRECTOR

Ahmad Jawad DIRECTOR

Yasin Malik DIRECTOR

Moez Jamal DIRECTOR

R. Zakir Mahmood PRESIDENT & CEO

Sohail Malik RISK MANAGEMENT

Saima Kamil CORPORATE BANKING

Nauman K Dar INTL BANKING & CEO HABIB ALLIED

Zafar Aziz Usmani HR & ORG DEVELOPMENT

Mudasir K Khan GLOBAL OPERATION

Jamil Iqbal CHIEF COMPLIANCE OFFICER

Faizan Mitha GLOBAL TREASURY

Saleem Amlani AUDIT & INVESTIGATION

Aslam Gatit ASSET REMEDIAL MANAGEMENT

Tulu Islam IT & SYSTEMS

Kashif Shah INVESTMENT BANKING

Aly Mustansir BRAND MANAGER

Member Executive Board

FUNCTIONS AND DEPARTMENTS

• Receiving of money and deposits

• Collecting negotiable instruments on behalf of customer.

• Issuing Letter of Credit for the customer.

• Receiving values for safe custody.

• Issuing guarantees and LC’s.

• Transfer money from one place to another.