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Project On Planning

HBL Planning

Submitted
Submitted by:

Fatima
Class:

To:
MAM KIRAN KIYANI
Shazia Sulaiman
Samina Mukhtar
Muqeet Muntaha
Faiza Batool
Ayesha Waheed
MBA 32

INTERNATIONAL ISLAMIC
UNIVERESITY
ISLAMABAD

Table of Contents
INTRODUCTION TO HBL:................................................................2
HISTORY of HBL:............................................................................ 3
MANAGEMENT LEVEL CHART OF HBL:............................................6
DEPARTMENTAL CHART OF HBL:....................................................7
EXECUTIVE SUMMARY:...................................................................8
VISION OF HBL:.............................................................................9
MISSION OF HBL:........................................................................... 9
MANAGEMENT FUNCTIONS IN HBL:...............................................9
PLANNING:.................................................................................. 9
ORGANIZING:.............................................................................. 9
LEADING:..................................................................................10
CONTROLLING:.........................................................................10
SPECIALITY OF HBL:....................................................................10
VALUES OF HBL:..........................................................................11
PRODUCTS OF HBL:.....................................................................11
SERVICES OF HBL:.......................................................................11
SWOT ANALYSIS:.........................................................................11
STRENGTHS:.............................................................................11
WEAKNESSES:........................................................................... 12
OPPORTUNITIES:.......................................................................12
THREATS:.................................................................................. 12
CORPORATE SOCIAL RESPONSIBILITY (CSR):...............................12
CONCLUSION AND RECOMMENDATION:.......................................13
QUESTIONNAIRE:......................................................................... 14
REFERENCES:.............................................................................. 15
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INTRODUCTION TO HBL:
HBL was the first commercial bank to be established in Pakistan in
1947. Over the years, HBL has grown its branch network and become
the largest private sector bank with over 1,600 branches and 1,650 ATMs
globally and a customer base exceeding eight million relationships.
The Government of Pakistan privatized HBL in 2004 through
which AKFED acquired 51% of the Bank's shareholding and
management control. HBL is majority owned (51%) by the Aga Khan
Fund for Economic Development, 42.5% of the shareholding is retained
by the Government of Pakistan (GOP), whilst 7.5% is owned by the
general public i.e. over 170,000 shareholders following the public listing
that took place in July 2007.
With a global presence in 29 countries, HBL is also the largest
domestic multinational. The Bank is expanding its presence in principal
international markets including the UK, UAE, South and Central Asia,
Africa and the Far East.
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.
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HISTORY of HBL:
Habib Esmail, founder of Habib Group, started his career in
Bombay in 1891 at the age of 13 on a salary of Rs. 5 per month in a firm
that dealt in copper and brass utensils. He worked day and night,
arriving before the shop opened, staying till late in the night, and then
walking home to save money on conveyance. No wonder that in the
short span of five years, at the age of 18, he was made a partner in the
firm. Even at that young age, he had established an excellent reputation
for honesty, hard work, fair play, trustworthiness, humility. These values
continue to guide the activities of Habib Group to this day.
During the next 17 years, he captured over 60 percent of the local
utensils business and diversified into export of copper, cotton scrap iron
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and manganese ore, selling to East Africa, Italy, France and Great
Britain. Being a person of great insight, he sent his representatives to
Europe in 1912 and established branch offices in Genoa and Vienna.
Simultaneously, he initiated business relationships with Japan and
China.
His reputation for honesty and fair play was so well known that his
customers and local merchants would leave their surplus funds with him
for safe-keeping and investment, thus establishing the foundation of the
family's banking business. In 1921, he started Habib & Sons. The firm
traded in cotton, oil seeds, and bullion and acted as a merchant bank. It
eventually became the flagship of the family and the parent company of
Habib Bank Limited.
Habib Bank Limited was established in Bombay in 1941 by the sons
of Habib Esmail. The bank had over 30 branches operating in India at
the time of partition. Quaid-e-Azam Mohammad Ali Jinnah reposed
confidence in the bank by opening his personal account. On the creation
of Pakistan in 1947, and following the advice of the Quaid-e-Azam,
Habib Family shifted all of its businesses including Habib Bank to
Pakistan. The bank played a vital role in meeting the financial and
banking needs of Pakistan. It continued to record tremendous growth
and progress, it emerged as the leading private-sector commercial bank
in Pakistan when it was taken over by the Government of Pakistan along
with all other Pakistani banks on January 1, 1974.
In 1991, the government again decided to allow the private sector to
establish commercial banks in the country. Dawood Habib Group was
amongst the first to be granted permission to set up a new bank under
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this policy. Bank AL Habib Limited was incorporated in October 1991


by the grandsons of Habib Esmail and started operations in January
1992. Although Bank AL Habib commenced operations in 1992, it
embodies the same high standards of integrity, prudence, and trust which
have characterized Habib Family's banking operations in Pakistan and
abroad for about 70 years.
The bank is particularly conscious of the trust reposed in it by the
depositors, and its prime duty is to protect and honor this trust all times.
Guided by the values taught and practiced by Habib Esmail more than a
century ago, the bank has continued to grow and progress in all areas of
its operations. In a short span of 20 years, the Bank's assets have grown
to more than Rs. 380 billion, with a network of 452 branches and subbranches, a Wholesale Branch in the Kingdom of Bahrain, and
Representative Offices in Dubai, Istanbul and Beijing, China

MANAGEMENT LEVEL CHART OF HBL

DEPARTMENTAL CHART OF HBL

EXECUTIVE SUMMARY:

This report is for academic purpose. It was assigned to us as an


assignment and project of our course Principles of Management. In the
report we have mentioned the organization structure, policies, strategies,
working styles of the organization, decision-making styles, SWOT
analysis etc.
We conducted Questionnaires, interviews from HBL (IIU
Islamabad) branch from top management, low-level management and
also searched at internet and collected information about organization.

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

MANAGEMENT FUNCTIONS IN HBL

PLANNING:

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Defining goals, establishing strategies for achieving those goals, and


developing plans to integrate and coordinate work activities.
In HBL
Planning is not highly centralized. Decisions are not made at top
level management only. All members are involved in decision
making.
For branch internal working there is case to case planning by
managers with the coordination of employees.
Strategies are maintained to attract customer.
Planning is made to meet objective or task.
Branch also make extra plan for contingency conditions.

ORGANIZING:
Arranging and structuring work to accomplish the organizations
goals.
HBL strives to become a cohesive and unified force, to offer the
customer, a level of service beyond their expectations. This force is
derived from participating and collective endeavors, a common set
of goals and a spirit to share the glory and the strength to face
failures together.

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There is also a high degree of interaction among department


managers.
Division of labor for e.g. cashier for cash dealing, Accountant for
preparing financial statement.
Operational staff for public dealing.
HRM (Human resource management) department for management.
Work is assigned as per abilities.
Competent staff is very helpful in management function.
Regional office provides substitutes if anyone from staff is on
leave.

LEADING:
Working with and through people to accomplish organizational
goals.

The leadership approach established in HBL is team leadership


and the positive attitude of HBL employees towards their job is
because of increasing employee job satisfaction.
Have team leadership styles.
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Leader provides guideline to staff how to work efficiently.


The staff is motivated by cash rewards and promotions. Reward
depends upon performance.
Staff is updated with new policies through: Calling meetings,
signing circular, telling orally.
CONTROLLING:
Monitoring, comparing and correcting work performance.

HBL impose external control on its external employees and the


criterion used by management to evaluate the employees is their
performance.
Annual reports are sent to the top level management about each
and every employee which evaluates their performance.
Contract base jobs.
Task is divides into quarters.
Evaluation of completion of tasks on monthly basis.
Staff is controlled through friendly behavior.
Conflicts are settled through the coordination and communication.
SPECIALITY OF HBL:
Freedom account is specially offered by HBL.
International wide online banking.
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Wide branch network all over the world.

VALUES OF HBL:
Our values are the main principles that dene our culture and are
brought to life in our attitudes and behavior. Our values make us unique
and unmistakable.
PRODUCTS OF HBL:
Auto Finance, car loan, car to car.
Credit card
Deposit Accounts
Personal Loan
Bank Assurance
SERVICES OF HBL:
Commercial Banking
Corporate Banking
Investment Banking
Islamic Banking
Cash Management
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Global Treasuring
Asset Management
SWOT ANALYSIS:
A tool that identifies the strengths, weaknesses, opportunities and
threats of an organization. Specifically, SWOT is a basic,
straightforward model that assesses what an organization can and cannot
do as well as its potential opportunities and threats.

STRENGTHS:
Effective Network of Branches all over the Country
Is the largest commercial bank in Pakistan with the network of
over 1439 domestic and international branches
Maintains the data properly
Have experienced cashiers
HBL is the largest private bank in Pakistan
HBL is the market leader in introduction of e-banking
HBL has opened all its branches at commercial areas so that the
customers or clients face no problems in reaching to the bank.
24 hours cash access
Introduction of new technology towards modern banking
WEAKNESSES:
We cannot control huge mobs during fee deposit days
Victim of political, legal and socio-cultural pressures
Lack of customer feed back
Centralized management in particular areas
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Low job satisfaction


Poor ATM service
OPPORTUNITIES:
On the job training & instruction session can be conduct.
With some additional efforts bank can attract high deposit from
overseas & Pakistan
Great innovations can help HBL to produce unique products &
services that meet customers needs.
Bank can use thumb impression instead of ATM card.
HBL has an opportunity to promote IT sector in Pakistan by
finance and organizing events.
E- Banking facility is also a new opportunity which is flourishing
business

THREATS:
Growing global technological advancement
Also the increasing the operations of private banks
Facing more competitions by foreign banks in the market
Highly attractive and advance services by foreign banks to their
customers
CORPORATE SOCIAL RESPONSIBILITY (CSR):
HBL is committed to fulfilling its role as a responsible corporate citizen,
and in that connection has formed the HBL Foundation, which has been
mandated to promote development and advance the welfare and well
being of the people of Pakistan and of other countries of the world with
the object of improving their quality of life.
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CONCLUSION AND RECOMMENDATION:


HBL is the largest bank in the private sector and since its establishment
it has progressed and improved tremendously and has a customer base
exceeding five million but it can still advance further if it adopt new
changing IT technologies as there is still room for some improvements it
should train its employees about the new IT trends. Moreover, certain
needs of the employees should also be consider like bank timings should
be acceptable and employee should be given importance and must be
consulted in some decision making processes. Improved friendly relation
are required between the top and the middle management. This will
make the employees work even better for their organization. During
planning mangers should consider risk factor and have strategies to
overcome these risk factors.

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QUESTIONNAIRE:
1. How do you define management?
2. Whats the role of a manager?
3. Do you give any authority to your lower level managers?
4. What benefits do you provide to your customers?
5. Do you give fair rewards to your employees?
6. Do you give any authority to your low level managers?
7. What benefits do you provide to your customers?4
8. Do you follow the formalized structure in your bank?
9. Do you promote team work?
10.
Do you involve your all members in decision making?
11.
How would you organize your plans for the bank?
12.
How your banking strategies differ from other banks?
13.
Whats your view on management?
14.
What qualities make an employee efficient?
15.
What are your future plans for the organization?
16.
How do you motivate you motivate your employees?
17.
What type of threats do you consider?
18.
What type of standard do you maintain in your organization?
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19.
What are your special policies for students?
20.
How do you control your all members?
21.
Is your organization following a strong culture or weak
culture?
22.
Do you study your employees behavior?
23.
Are your members working happily in the bank?
24.
Are your customers satisfied or dissatisfied?
25.
Are your employees motivated or de-motivated?
26.
Do you have any online banking facility?
27.
How a manager does contribute to a larger organizations
goals?
28.
What are the official languages of your bank?
29.
What factors do you see as a threat for you in your
environment?
30.
What are you doing for the betterment of society?
31.
What are your real and stated goals?
32.
What are your biggest strengths?
33.
What are your weaknesses?
34.
What have you done to improve your bank knowledge in the
last year?
35.
What challenges are you looking for this bank?
36.
Where do you see your bank in the next four years?

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REFERENCES:
http://www.hbl.com/
http://www.hbl.com/about-us.php
http://www.hbl.com/about-us-our-brand.php
https://www.bankalhabib.com
en.wikipedia.org/wiki/SWOT_analysis
http://www.google.com.pk/imgres?
imgurl=http://image.slidesharecdn.com/managmentprojecthbl
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P&tbm=isch&ved=0CEIQMygeMB4

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