By : Nayab Ali Asad Raja Hammad Raja Jawad Hassan Syed Sunain Haider Syed Mohammad Raza

History
HBL established operations in Pakistan in 1947 and moved its head office to Karachi. The first international branch was established in Colombo, Sri Lanka in 1951 and Habib Bank Plaza was built in 1972 to commemorate the banks 25th Anniversary. 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. International operations were expanded to include the USA, Singapore, Oman, Belgium, Seychelles and Maldives

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

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

HBLs Passion
We understand that not all success is measurable much like the trust of the customers, the vision of our stakeholders, and the legacy of our brand that have endured for over six decades, this year we bring a fresh perspective of who we are and what we do as we look to the years ahead.

Integrity
HBL is the leading bank in Pakistan and their success depends upon trust. Their customers - and society in general expect them to possess and steadfastly adhere to high moral principles and professional standards.

Customer Focus
We understand fully the needs of our customers and adapt their products and services to meet these. They always strive to put the satisfaction of our customers first.

HBLs Business Segment and Regions

Retail Banking Corporate/Commercial Banking Treasury International Banking Group Head Office Regions : Asia, Europe, North America, Middle East.

HBLs Achievements
In 2010, HBLs profit was 47,567,704 Million Rs HBL has donated 2.6 million Rs in the Charity. HBL has 1460 Branches all over Pakistan in 23 cities.

The Largest banking network in Pakistan is larger than you think.

If HBL lockers were people, they would be able to fill the famous oval cricket ground in London 6 times

The LARGEST network in Pakistan, larger than you think If HBL Debit card issued were ladder, it would allow you to scale mount Everest 7 times HBL has branches in 300 areas across Pakistan were there are no other bank For every beat of your heart HBL makes a cash transaction.

 HBL has more customer relationships than the combine population of Oman, Bahrain Maldives 6 times more people use HBL to pay utility bills each year than the number of people who visit Eiffel tower in Paris.

The LARGEST banking network

HBLs Awards
6 October 2010 - HBL wins two global finance awards 15 April 2010 - HBL wins Best Emerging Market Banks award in Pakistan for 2010 6 October 2009 - HBL receives 3 Global Finance Awards 13 May 2009 - 'The Best Emerging Market Bank in Pakistan 30 March 2009 - HBL among Top 500 Global Financial Brands 6 December 2008 - 'Most innovative Global Trade Finance' award 6 December 2008 - 'Best bank In Pakistan' Award 6 December 2008 - HBL Milestones - 'Buzziest Brands' Awards

HBLs Management
Board of Directors Audit Committee Human Resource Chief Financial Officer Legal Advisor Risk Management IT

HBLs Customers
Individual Customers Car Loan Credit Cards Deposit Accounts Debit Card Phone Banking Mutual Funds

HBLs Nature of Products

Business Customers Corporate Banking Commercial Banking Investment Banking Islamic Banking Cash Management Zarai Banking Global Treasury Asset Management

Rating (HBL): HBL is currently rated AA (Long term) A-1+ (Short term)

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, ourCommercial Bankinggroup provides a wide range of products that meet specific customer needs. TheCorporate BankingGroup focuses on personalized services to large corporate borrowers who need tailored facilities. The Corporate Bank manages a diverse portfolio, being an active player in a multitude of sectors including textiles, sugar, leather, pharmaceuticals, fertilizer, petrochemicals, power, aviation, automotive, telecom, oil and gas and FMCGs. TheInvestment BankingGroup is a market leader. It provides innovative capital strategy solutions to major local and multinational entities.

Suppliers: All the technical equipments e.g Computers, fax machine, printing machines are purchased from INBOX . Buyers: Merchants (POS Terminal)

Competitors:

MCB UBL National Bank Allied Bank

HBL 1460 Branches 700 Online Branches 55 Branches worldwide. Deposit Base 11 billion $ Domestic market share of over 40%. 60% CASA

MCB 1260 Branches 650 Online Branches Deposit Base 9 billion $ 70% CASA

HBL Network

HBL

MCB

Share Holders
51% AKFED 42.5% Govt. Of Pakistan 7.5% General public
Privatized in 2004

Targets:
C.C (Credit cards) P.L (Personal Loans) A.L (Auto Loan also know as Car Financing) Insurance CASA ( Current Account/Saving Account) Islamic Banking

HBL wins Best Emerging Market Banks award in Pakistan for 2010:
April 15, 2010 Global Finance presented HBL with the Best Emerging Market Banks award in Pakistan for 2010. This award was conferred on HBL in recognition of its superior performance, enhanced profitability, expanding asset base and innovative products and services

Macro Environment Law & Order Political Situation Economic Factors Technological Factors

Strengths, Weaknesses, Opportunities and Threats (SWOT). SWOT analysis is a tool for auditing an organization and its environment. It is the first stage of planning and helps marketers to focus on key issues. Strengths and weaknesses are internal factors. Opportunities and threats are external factors.

A strength could be: Your specialist marketing expertise. A new, innovative product or service. Location of your business. Quality processes and procedures. Any other aspect of your business that adds value to your product or service.

A weakness could be: Lack of marketing expertise. Undifferentiated products or services (i.e. in relation to your competitors). Location of your business. Poor quality goods or services. Damaged reputation.

An opportunity could be: A developing market such as the Internet. Mergers, joint ventures or strategic alliances. Moving into new market segments that offer improved profits. A new international market. A market vacated by an ineffective

A threat could be: A new competitor in your home market. Price wars with competitors. A competitor has a new, innovative product or service. Competitors have superior access to channels of distribution. Taxation is introduced on your product or service

Recommendations
HBL is the Best bank in Pakistan but with huge network mostly online server of bank is busy and not available for the online money transfer facility. The big reason of unavailability online service is that all lines are connected through PTCL land line system that is the reason mostly service is unavailable. I strongly recommended higher authorities to resolve that matter through a arrange some fast (Digital Subscriber Line) it is the best solution to connect online facility all the time specially in banking hours. The system is using in HBL is Mysis which is import from America in the year of 2008 but this system is very slow which is not supporting out banking needs as per requirements because mostly branches of HBL are not online branches they all are still batch branches (Old System). I would also recommend that we have to arrange online facility at rural areas where necessory.it will help people to get their online branch network in their regions. At some places there are no ATM Facility in Habib Bank Branches.