hbl-final
TRANSCRIPT
Hailey College of Banking & Finance
REPORT
On
HABIB BANK LIMITED
Presented to: Prof.
Presented by: AQEEL ANWAR
Roll No: E07MBA073 Section: A
UNIVERSITY OF THE PUNJAB
LAHORE
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HISTORY
Habib Bank Limited started its commercial operation from Bombay on August
25, 1941 with a Fixed capital of 25,000 rupees. The four Brothers formed Habib
Bank namely Ahmed Habib, Dawood Habib, Muhammad Ali Habib and Ghulam Ali
Habib. The Bank had only Rs 1.03 crore by way of advances and invested Rs. 12
lakhs in government securities.
After the creation of Pakistan, Quaid-e-Azam, Muhammed Ali Jinnah,
impressed by its initial performance asked the Bank to move its operations to
Karachi. Quaid-e-Azam on December 29, 1945 opened a current account with HBL.
He also opened an account with Habib Bank Limited in the name of Muslim League
Bihar relief fund.
Habib bank survived its most crucial stage from 1941 to 1947 and has
overcome numerous challenges. After independence and the shifting of Headquarter
from Bombay to Karachi it faced much opposition and new responsibilities which
were handled superbly by the bank. Efforts were made to increase the standards of
service to the people, increasing banking hours and improving the physical
appearances of the branches making it popular amongst the people. Habib Bank
was the first to recruit and train Muslims in the banking profession. The first banking
Training scheme was started by the bank in 1946. In 1948 there were only 23
branches of Pakistani Banks in the country. For this purpose HBL pioneered its first
training programme in 1946 and many other programs since then onwards.
It was Habib Bank which took the credit for the transfer of hundreds of crores
of rupees from India to Pakistan. The Habib were the first to start the facilities like
Gift Cheques Rupee, Travelers Cheques, Students Saving Schemes, Workers
Saving Scheme, Drive in Banking, Mobile Banking, Credit Card System, Executors
and Trustee Service, Short Term, and Long Term Loan Schemes for small
businessmen. This was followed by mechanization and modernization of branches.
Habib Bank celebrated its silver jubilee in 1966. the foundation stone of Habib Bank
Plaza, the head office building of the bank, the tallest building in Pakistan at that
time, was also laid by the then President of Pakistan, Field Marshal Muhammad
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Ayub Khan. The government of Pakistan issued special commemorative postage
stamps to appreciate Habib Bank's efforts for the stable economy of the country. It
came out with the new image of "Best example of better service" (Behter Khidmat Ki
Behtareen Misal) in 1966.
Major expansion in the branch network was done in 1973 when a policy was
adopted according to which there should be one branch for a population of 5000
people. On 1st January 1974 Habib Bank entered a new phase with the
nationalization of Pakistani banks. All Pakistani commercial banks were nationalized
and merged into five major banks i.e. Habib Bank, National Bank, United Bank,
Allied Bank and Muslim Commercial Bank. Foreign Banks were excluded from the
law of nationalization. The whole concept of commercial banking in Pakistan
changed focusing to help Small industries, traders and farmers.
HBL was lauded by the International Banking community and bestowed the
American Gold Coin Award. Habib Bank has had the honor of having won this award
of excellence for its Prize Savings Account Scheme in 1975.
In 1982, the Gold Mercury award was conferred on the bank for its pioneer
role and outstanding service in the community.
Then in 1984 Habib Bank was awarded Chamber of Commerce Istanbul ‘Gold
Medal’ and a certificate in reorganization of its valuable contribution towards the
economic development of Turkey.
Habib Bank launched the first Habib Bank Modaraba in March 1991 to
transform the interest based finance system into Islamic concept of Riba - free
business and financial transactions. Since then Habib Bank plays an active role to
provide truly Islamic mode of Investment opportunities. HBL completed 50 years of
operations, its golden jubilee in August 1991. It is the first Pakistani bank to celebrate
its golden jubilee.
The bank is also a pioneer of computer services in banking. It was the first
bank to introduce computerized services in banking in 1967. Since then HBL has set
up different computer centers countrywide. While the ATM networks cover 45 cities
and provide the facility of 145 ATMs.
The privatization of the bank with management control being acquired by the
Agha Khan Fund for Economic Development (AKFED) the bank anticipates further
progress as AKFED brings considerable expertise in international finance and
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business and is familiar with conditions in Pakistan, where it already has extensive
operations in various fields.
Government of Pakistan has divested its 10% stake (34.50 million shares;
5.0% of total issued shares) of Habib Bank Limited (HBL) with a green shoe option of
5.0% (17.25 million shares; 2.5% of total issued shares) from its existing holding of
338.10 million shares, at an issue price of Rs 235.00 per share.
HBL VISION:
Enabling people to advance with confidence and success.
HBL MISSION:
To make our customers prosper, our staff excels and creates value for
shareholders.
HBL VALUES:
HBL is firmly grounded with a corporate philosophy that incorporates solid
values which each individual associated with the bank abides by:
Excellence
Integrity
Meritocracy
Customer Focus
Progressiveness
QUAID’S VIEW
Quaid-e-Azam, who impressed by its initial performance asked the bank to
move its operations to Karachi at 1943 and HBL became a symbol of pride and
progress for the people of Pakistan.
HEAD OFFICE
Head office of HBL is in Karachi for 35 years at “I.I Chundrigar Road”
BRANCH NETWORK
HBL plays a central role in Pakistan’s financial and economic development.
HBL have an extensive network of more than 1400 domestic branches, which are
largest in Pakistan. HBL have also 55 international branches, which provide
comprehensive services. That’s form the backbone of the bank’s operations. FIRST
Branch held in BOMBAY in 1941 and starts his services with a fixed capital of Rs.
25,000. Its International operations are strongly capitalized and are primarily funded
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by core retail deposits in each of the countries. HBL plays a central role in Pakistan’s
financial and Economic Development.
Domestic Branches
Kashmir Lahore Karachi
Azad Kashmir Punjab Sindh Balochistan NWFP
Retail branches 82 718 279 123 205
Corporate branches - 1 9 1 1
Foreign Branches No of Branches Year of establishment
Africa
Kenya 5 1956
Mauritius 4 1964
Seychelles 1 1976
Sudan 1 1982
Bangladesh 2 1976
Fiji Islands 1 1991
Maldives 1 1976
Singapore 1 1971
Srilanka 2 1951KEPZ
Bahrain 4 1969
Lebanon 1 1964
Oman 11 1972
UAE 8 1966
Belgium 1 1975
France 1 1980
Turkey 1 1983
Netherlands 1 1979
USA 1 1971
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CREDIT RATINGS OF HBL
HBL has strong credit rating & it is among the first 1000 banks of world (world
class bank)
Habib Bank Limited JCR-VIS A-1+, AA June 2007.
SOCIAL COMMITMENT
The Public Relation Division of HBL maintains effective rapport with the
general public by communicating the policies and schemes of the bank through
press and electronic media. Besides maintaining close relationship with journalists &
advertising agencies, the Division also receives the visiting dignitaries and
delegations from abroad.
HBL believes in serving the nation and building the country strong. We are
always at the forefront to support noble causes and promote the social & cultural
activities in the country. The Public Relation Division of HBL sponsors various social,
cultural and sports events to generate healthy activities in the society. It also
organizes religious programs to uphold the religious tradition of our people. The
Division represents the bank at important forums to exchange views on national &
International issues with various organizations to boost the intellectual activities.
MANAGEMENT COMMITTEE
DR. Zakir Mahmood
President and Chief Executive Officer
OTHER MEMBERS;
The other group members who are operating following Sectors;
Ayaz Ahmed
Group Chief Financial Officer
Jamil A. Khan
Group Executive
Global Operations
Jamil Iqbal
Group Executive MISYS
Business Process Re-engineering
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Mudassir H Khan
Group Chief Compliance Officer
Global Compliance
Salim Amlani
Group Executive
Audit, BRR & Investigation
Shahid M Loan
SEVP & Group Executive
Global Treasury
Sima Kamil
SEVP & Group Executive
Corporate Banking
Zafar Aziz Osmani
SEVP & Group Executive
HR & Organization Development
HBL MAIN FUNCTIONS
Besides social commitment and retail banking, HBL performs also other
functions:
Acceptance of Deposits
It is the main function of every bank. So, HBL accepts deposits for the
purpose of advancing. HBL accepts deposits in following terms:
Current Account
Saving Account
Fixed Deposit Accounts
Issuing Loans
After accepting deposits, HBL issues loans for the purpose of Agriculture,
Industrial, & Social activities. HBL advancing loans in the following terms:
Overdraft
Discounting Bills Of Exchange
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Loans
Cash Credit Limit
Collection of Dividends
HBL acts as an agent of its clients and collects Dividends & Interests on
stocks and shares, HBL charges nominal commission against the provision of such
services.
Collection of Cheques
HBL acts as an agent of its clients, while collecting and making payments of
bills and cheques.
Trustee
A client may direct HBL to act as Trustee, while dealing with other parties.
HBL charges a small fee for provision of such services.
Deposit Slip
HBL issues deposit slips to its Fixed depositors on depositing their amounts.
These slips act as a medium between HBL and its clients for their further dealings.
Voucher
It is related with cash, when some cash is deposit or drew, and then this
written evidence supports this dealing.
Debit Voucher
When an Account Holder draws some money from HBL then the bank issues
him a Debit Voucher, because his account has decreased and debited by HBL.
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Credit Voucher
When an Account Holder deposits some money into HBL then the bank
issues him a Credit Voucher, because his account has increased and credited by
HBL.
Debit Advice
The function of debit advice is the same as of debit voucher, because all
these transactions related to debiting its account holders.
Credit Advice
The function of credit advice is the same as of credit voucher, because all
these transactions related to its account holders.
Other Functions
The other functions, which HBL provides, are as follows:
Funds Transfers
Providing Trade Information
Under-Writing Services
Zakat Collection
Finances Foreign Trade
RETAIL BANKING
B RANCH O PERATIONS
DEPOSITS
Deposit represent saving of the people and organization, which are deposited with
the banks. Basic function of all commercial banks is mobilization of deposits. Deposit
used by banks for financing to different types of borrowers. These are the raw
material from which banks create their services for business and industry. Deposits
are liabilities of the banks owed to its depositors. Deposit of Habib bank can be kept
in the following accounts.
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CD Deposits
These are initial deposit for account opening. Current deposit is a deposit
payable on demand. No restriction on withdrawal, no Zakat Deduction.
Can be opened in the name of:
Individual
Firms
Trust
Private/ Public Limited Companies
Club
Societies
Institutions
PLS Deposits
This stand for profit and loss sharing accounts. PLS rates are declared by bank
half yearly. No profit would be paid if the profit is less than Rs 10 for the half year.
Zakat deduction is as per rules. Can be opened by:
Individuals
Charitable institutions
Zakat / Usher Committee
Local Bodies
Firms/ Companies
Eligibility
All Pakistani’s Resident/Non-Resident can open and operate the Account.
Any Foreign National having valid Resident Pakistan VISA can open and operate the
Account.
Requirements for Opening of Account:
Duly filled prescribed A/C opening FORM.
Photo Copy of National Identity Card (Resident Pakistani).
Two Passport size photographs for Shaky Signatures/Thumb Impression
(Resident Pakistani).
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Photo copy of Passport with Page bearing Resident Visa of the Country
where Pakistani Residing (Attestation by HBL Branch or Pakistan Embassy).
Two Passport size photographs and signatures on A/C Opening Form for
Non-Resident Pakistani with Shaky Signatures/Thumb Impression.
(Attestation by HBL Branch or Pakistan Embassy).
Photo Copy of Passport with Page bearing Resident Visa of Pakistan (Foreign
Nationals).
Features
Account can be opened with Minimum Balance Rs.1000/- with no maximum
limit.
Checking account
Profit is payable at yearly rate declared every half year.
Profit is calculated on monthly products i.e. on minimum balance of Rs. 5
000/- and above from 1st day to the last day of the month.
Service charges Rs.52.50 if average balance is less than Rs. 10,000/- during
the month.
Profit is Paid/Credited in Account on half yearly basis.
Statement of Account dispatched on half yearly basis after posting of profit.
There is no restriction for withdrawals of amount and numbers of cheques.
Conditions
Deduction of Zakat – With-holding Tax as per rules of the Government.
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PLS Special Saving Deposit Accounts
Deposit Slab & Profit
Indicative Rate 01.01.2008 to 30.06.2008
Eligibility
All Pakistani’s Resident/Non-Resident Individual/Company can open and
operate the Account.
Any Foreign National Individual/Company having valid Resident Pakistan
VISA/Work permit can open and operate the Account.
The depositors falling under any of the above category must maintain the
required average balance to earn profit.
Requirements for Opening of Account
Duly filled prescribed A/C opening FORM.
In case of individuals, same terms as of PLS SB & in case of companies etc.
as following: -
Attested photocopy of N.I.C./Passport of Account Holder(s), Proprietor,
Partners, Directors and office Bearers as the case may be.
Certified true copy of the certificate of incorporation or registration (in case of
limited companies & registered bodies only).
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Certified true copy of the certificate of commencement of business (in case of
public limited companies only).
Certified true copy of the memorandum and articles of association (in case of
limited companies).
Certified true copy of rules and regulations or By-Laws (in case of association
etc.).
Certified true copy of the resolution of the Board of Directors/Managing
Committee/Governing Body regarding conduct of the account.
List containing names and signatures of the Directors/Office Bearers duly
certified by CLA/Registration Authority.
Letter of partnership or certified copy of partnership deed (in case of
partnership).
Features
Account can be OPENED with Minimum Balance Rs.1000/- with no maximum
limit.
Checking account
Profit is payable at indicatives rates for each half year.
Profit under this scheme is calculated and paid to the depositors on daily
products basis on the 1st working day of the following month according to
above slab.
In case the average balance during any calendar month changes (rises/falls)
from a slab, the profit for that month will be paid at the rate applicable to
relevant average balance slab. If during a calendar month a party maintains
average balance which does not come within the ambit of SSD scheme then
No Profit shall be paid.
SERVICE CHARGES Rs.180/- if average balance is less than Rs.5,000/-
during half year. Profit is paid in Cash or Credited in Account. Statement of
Account dispatched on monthly basis. There is no restriction for withdrawals
of amount and numbers of cheques.
Conditions
Deduction of Zakat – With-holding Tax as per rules of the Government.
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Munafa Plus Deposit Certificate
These are kind of Term Deposits/ Time Deposits. Its duration ranges from 3 to
6 months. And from 1 to 10 years, in multiple of years. Minimum deposit is of
100,000/ and any amount exceeding 100,000/- in multiple of thousands. Profit
payment is monthly, quarterly/ Half yearly/ Yearly and at maturity. Fixed Profit rates
are offered.
Insurance Scheme:
Insurance schemes are offered in two ways
On Natural Death
MPDC amount subject to a maximum of Rs 1.00 Million
Accidental Death
Two times of MPDC amount subject to a maximum of Rs Two million
No receipts would be issued. Customer must have CD/SB Account. Customer will
file an additional AOF and an authority to debit his or her account. No cheque will be
used for debiting an account in any case.
Special Notice Time Deposits
A PLS/ SNTD is a NIB Time deposit instrument, kept for an indefinite period
by depositor and withdrawable by giving an advance notice of an agreed period prior
to date of withdrawal. An SNTD falls due for repayment on the expiry of agreed
period. The profit is paid for actual period during which the deposit remains with
bank. SNTD are also issued by the bank on behalf of borrowers for building sinking
funds as required in the sanctioned advice of Documents Against acceptance LC/
Delivery of Documents.
Pls 7/30 Days Time Deposits
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Deposit Slab
Indicative Rate 01.01.2008 to 30.06.2008
Eligibility
All Pakistani’s Resident/Non-Resident Companies Firms, Govt. /Semi Govt.
Depts. Can purchase an SNTD.
Any Foreign National having valid Resident Pakistan VISA can purchase an
SNTD.
Requirements for Opening of Account;
Duly filled prescribed A/C opening FORM.
Photo Copy of National Identity Card (Resident Pakistani).
Two Passport size photographs for Shaky Signatures/Thumb Impression
(Resident Pakistani).
Photo copy of Passport with Page bearing Resident Visa of the Country
where Pakistani Residing (Attestation by HBL Branch or Pakistan Embassy).
Two Passport size photographs and signatures on A/C Opening Form for
Non-Resident Pakistani with Shaky Signatures/Thumb Impression.
(Attestation by HBL Branch or Pakistan Embassy).
Photo Copy of Passport with Page bearing Resident Visa of Pakistan (Foreign
Nationals).
Features
SNTD can be purchased with Minimum Balance Rs.1000/- with no maximum
limit.
Profit is payable at yearly rate declared every half year and on date of
encashment.
Profit is calculated for the days deposit remained with Bank.
No profit/return is paid for premature encashment before 7 days or 30 days
(as the case may be) from date of issue.
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Similarly if notice given falls short of 7 or 30 days (as the case may be), no
profit shall be paid for the days short of required notice.
Profit is paid Cash or Credited in Account on encashment.
Conditions; Deduction of Zakat – With-holding Tax as per rules of the
Government.
Accounts
Following are the different types of accounts
Individual Accounts
Joint Account
Proprietary Firm
Partnership Firm
Private/ Public Ltd Co’s Accounts
Association/ Club Accounts
Societies/Union Accounts
Account of Executors
Trust Accounts
Minor Accounts
Value Accounts
Super Value Accounts
C OLLECTION
Generally four types of cheques and other instruments & other instruments
are paid /collected.
Cash payment
Cash transfer
Clearing/transfer delivery/local collection
Collection of inland/foreign bills
C LEARING
The process for settlement of banker’s mutual accounts, for the claims arising
on account of various instruments, drawn on/by member/sub members of the
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clearinghouse. The system is controlled/managed by State Bank of Pakistan or
National bank of Pakistan (where SBP has no office) Clearing house is a meeting
point of representative of the member banks. where instruments are changed for
settlement.
Transfer Delivery
It is the service of transfer deposit within the branch free of charges.
Local Collection
This facility is provided within the city for transfer of deposit without charges
Foreign Bills
Bills which are presented from/to foreign banks for clearance.
In-Land Bills
Clean Bills
Bills, which are without any assisting documents of title to goods (i.e
R/R, T/R, B/L, AWB)
Documentary Bills
The bills where the documents of title to goods are attached with the
bill of exchange.
There are two main categories of bills: Demand bills & Usance Bills
R EMITTANCES
Bank remittances are cheap as compare to other modes of remittances
available to the public i.e. money order. Normally amount can be remitted through
banks. Important source of earning i.e. commission, service charges and float
income.The risk involved in physical transportation of money is eliminated. Demand
draft are used for settlement of debts without handling actual cash.in HBL there is a
prescribed form for remittance in which we provide beneficiary detail such as name,
address, NIC or passport #, bank/branch name, account. And also Applicant details
i.e. name, address, NIC #, charge a/c #.
In-Land Remittances
Demand Draft
It is a written order, drawn by one office of a bank upon another office of the
same bank, to pay a certain sum of money to or to the order of a specified person.
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Demand draft is in order form, it is not bearer & a negotiable instrument, not issued
to minor or insane person & also not to a person who is unable to sign, not having
account, may be advised to apply through literate person signing on his behalf. It can
be issued to a firm, company or local authority on their written request signed by
authorized person.
Foreign Remittance
Foreign Demand Draft
It is just like a local demand draft but it is made/requested in foreign banks &
paid here locally in PAK Rupee.
Home Mail Transfer
Foreign Traveler Cheques
CONSUMER BANKING
HBL A UTO F INANCE Habib Bank Auto Finance, offers the customer, an expedient and economical
way of fulfilling his requirement of owning the car of his choice on his terms. This
lease product has been designed to provide the consumer flexibility in terms of
choice of car and tenure. Options of affordable down payments, convenient
repayment arrangements in the form of monthly rental payments, which are tailored
to the expected cash flows of the customer are some of the host of value added
features, this product offers its customers.
Salient Features of HBL Auto Finance
Low Mark-ups leading to affordable monthly rentals
Available throughout Pakistan
Tenures ranging from 36 to 60 months
Low Processing Charges
Deferred Payment Option
Financing of amounts up to Rs. 1.5 million
Insurance premium rates as low as 3%
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Worldwide personal accidental insurance coverage for the entire family of the
lessee of up to Rs. 200,000/-
Car choices of up to 1600 cc (New cars only)
Who Can Apply??
Work experience), Self Employed Individuals (minimum three years in
business) and Professionals (minimum one year in business)
Age Consideration
Age between 25 – 60 (60 at maturity of loan)
Minimum Documentation Required
Completed Application Form
Personal:
Attested copy of NIC
Two recent Passport size Photographs
Copy of latest paid residential utility bill (not Mobile Phone Bill)
NTN Certificate (wherever applicable)
Income Related:
Latest salary Certificate (Salaried Individuals)
Bank Statement 6 Months (Salaried), 12 Months(Self Employed &
Professionals)
Occupational:
Employment Letter
Proprietorship Certificate / Partnership Deed (Self Employed or Professionals)
Certified latest Form A and Form 29 along with Articles and Memorandum of
Association (Self
Employed or Professionals)
Certificate of Incorporation (Self Employed or Professionals)
Professional Body Registration copy (if applicable)
How to Apply??
Visit your nearest HBL designated branch
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Submit filled application along with documentation required
The branch will inform you if your application has been approved
HBL H OUSE F INANCE
Habib Bank brings to you the most affordable and convenient scheme to
finance your own house. Habib Bank – House Finance, a demand / running finance
facility to assist you in turning your vision into a reality. With adaptable options,
varying amounts and flexible tenures you can start shifting to, building or renovating
your own house in a matter of weeks!
The Habib Bank – House Finance Scheme is an installment loan facility,
secured by properties in residential areas. The scheme gives multiple options in the
types of related financing one can avail. Through this product one can purchase
one’s own house these are loans for the purchase of residential property for the
purpose of self-occupation by the borrower in approved and developed areas.
Renovate one’s own House – These loans are against owner occupied residential
property for home improvement and renovation.
Self construct one’s own House – Financing for the construction of residential
property within approved cities/areas, in approved and developed schemes – on
already owned residential plots.
This scheme also offers a running finance facility, secured by an owned
house in a residential area for: House Re-Finance – This is a multi-purpose facility
that can be availed by you as running finance to invest in your business or for
personal purposes.
Salient Features of HBL House Finance
The loan can be paid back in financing tenures ranging from 3 to 20 years.
The repayment of the loan is in equal monthly installments and is through
direct debit authority or post-dated cheques.
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Per party limit for all options, other than Home Improvement are at a
maximum of Rs.7.5 million.
Home Improvement limits range from Rs. 5 lacs to Rs.3 million
Minimal Processing Charges
Who Can Apply??
Pakistani residents
Salaried / Self Employed Individuals and Professionals
Age Consideration
Age between 22 – 65 (60 for Salaried Individuals)
Minimum Documentation Required
Personal:
Copy of NIC (attested)
Copy of latest paid residential utility bill(not Mobile Phone Bill)
Two passport size photographs
Copy of NTN Card/Certificate OR Copy of latest Income Tax Assessment
Order
Income Related:
For Demand Finance Facility
Salaried:
Two latest Salary Slips and latest 6 months personal Bank Account Statement
Self Employed Professionals and Businessman:
Latest one year personal Bank Account Statement.
Company Bank Statement in case of Proprietorship can be accepted and/or
Income Tax
Assessment Order
Occupational:
Salaried Individuals:
Letter from Employer mentioning the date of joining, current job status and
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gross emoluments, deductions and net take-home.
Self Employed Professionals and Businessmen:
Proprietor:
Bank Certificate mentioning date of Account opening, name of business and
name of customer or Tax Returns
Partner:
Bank Certificate mentioning date of Account opening, name of business and
name of the
partners
Attested copy of the Partnership Deed or Tax Returns
Director:
Memorandum and Article of Association and attested copy of Registered
Form 29/A
How to Apply??
For your convenience, Habib Bank has designated specific branches in your city to
provide you with this facility.
All you would have to do is visit one of these branches, get an Application Form and
submit the completed Application Form along with the requested documentation to
apply.
Once your application has been accepted you will be called in to complete the
remaining formalities to finalize the procedure.
HBL FLEXI LOANS
Habib Bank Flexi Loans is a personal loan product, which is available for salaried
individuals for a variety of reasons. Whether it is for a child’s education, a much
needed vacation, a daughter’s wedding or even just a shopping spree, HBL Flexi
Loans is a flexible financing scheme which can actually provide the much needed
cash to fulfill all such requirements.
Salient Features of HBL Flexi Loans
Low Mark-ups leading to affordable monthly installments.
Mark-up slabs vary for various categories of salaried individuals
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Financing from Rs. 10,000 to Rs. 500,000/-
Available throughout Pakistan from over 400 designated
Habib Bank branches
Tenures ranging from 12 to 60 months
Low Processing Charges
Full Credit Life Insurance
Who Can Apply??
Pakistani residents:
Salaried individuals (With a minimum of one year’s work experience)
Age Consideration:
Age between 23 – 60 (60 at maturity of loan)
Minimum Documentation Required:
Completed Application Form
Personal:
Attested copy of NIC
Company Identification Card (with photograph)
Copy of latest paid residential utility bill (not Mobile Phone Bill)
Income Related:
Three Months Salary Certificate (including latest)
Occupational:
Employment Letter
How to Apply??
Visit your nearest HBL designated branch
Submit filled application along with documentation required
The branch will inform you if your application has been approved
The amount will be credited to your account
HBL LIFE STYLES
Habib Bank’s Lifestyles Financing Scheme provides financing for household
appliances and consumer electronics on easy terms and flexible tenures. The
product aims to bring comfort into each domestic unit by providing financing for
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essential domestic items, the purchase of which may be postponed by households
due to paucity of funds. The bank aims to provide speedy financing so that families
do not defer purchase of such essentials, and all such items are effortlessly
accessible as and when required.
Salient Features of HBL Lifestyles
Loans for salaried / self employed individuals or professionals
Low mark-ups leading to affordable monthly installments.
Financing from Rs. 10,000 to Rs. 500,000/-
Available throughout Pakistan from over 330 designated
Habib Bank branches
Fixed tenures of 12, 18, 24 and 36 months
Low Processing Charges
Full Credit Life Insurance
Free Doorstep Delivery of Items
Who Can Apply??
Pakistani residents
Salaried (minimum one year work experience), Self Employed Individuals (minimum
three years in business) and Professionals (minimum one year in business)
Age Consideration
Age between 25 – 60 (60 at maturity of loan)
Minimum Documentation Required
Completed Application Form:
Personal:
Attested copy of NIC
Two recent Passport size Photographs
Copy of latest paid residential utility bill (not Mobile Phone Bill)
NTN Certificate (wherever applicable)
Income Related:
Latest Salary Certificate (Salaried Individuals)
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Bank Statement 6 Months (Salaried); 12 Months (Self-Employed or
Professionals)
Occupational:
Employment Letter
Proprietorship Certificate / Partnership Deed (Self Employed or Professionals)
How to Apply??
Visit a Display Outlet of any business partner and decide on item(s) and models to
purchase under scheme
Visit your nearest HBL designated branch
Submit filled application along with documentation required
The branch will inform you if your application has been approved
The item(s) will be delivered free of cost at your doorstep
Current Business Partners
Samsung Audio Visuals
Samsung Home Appliances
Dawlance
LG
Philips
Singer
A GRICULTURE F INANCE
Agriculture sector is the backbone of our economy because almost 70% of
industrial raw material comes from agriculture sector. Agriculture sector contributes
25% of our GDP. Agriculture credit is the form of capital and one of the four factors
of production.
Farm Credit
It includes seeds, fertilizers, pesticides etc. loan for tractors, tubewells,
machinery comes under the heading of farm credit.
Non-Farm Credit
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It includes Poultry, Fisheries, Livestock and dairy farming.
Season Wise Financing
Rabi Financing
HBL allow financing for Rabi Crops from 1st Sep to 31 January of next years.
Kharif Financing
HBL allow financing for Rabi Crops from 1st February to 31st August.
Haryali Finance Scheme
It is 3 years revolving finance scheme for agri-production purpose. It is
running finance limit, which is sanctioned for three years. The amount of limit is
determined on the basis one year credit requirements for purchase of inputs for crop
grown on the land cultivated by the borrower. Usually total input requirements of all
crops grown during the year are calculated in consultation with the farmer. The
documentation is done once in three years for the total period of finance.
Eligibility Criteria:
This scheme is applicable throughout Pakistan.
The applicant must be a land owner, cultivator
The applicant must be an account holder of the branch
Land offered as security as shown in agri-pass book must not encumbered
The land of the borrower should be located in an area which could be
supervised by the lending branch
Farm Transport Loan
It is for small and big pickups for a period of three – five years repayable in
easy monthly installments. Debt equity ratio is 90:10. Agri-land, Rural/ Urban
property, saving certificates and bank deposits can be offered as security. Transport
is supposed to be fully insured.
LiveStock and Fish Farming
It meets our requirements for dairy products, meat, eggs etc. It also helps in
fertilizing land. It is for cattle/ goat raising.
Loan for Farm Water management
As we know that agriculture cannot flourish without water. Lot of water is
wasted without irrigating land in our country. And the problem of water logging and
salinity is there. So the loan for three to five years’ tenure is given for purchase of
26
tubewells/ turbines to ensure proper irrigation of cultivated land. Debt Equity Ratio is
80:20. Security is agri-land, Urban or rural property/ saving certificates/ Deposit.
Tractor Lease Finance
It is against security of land/ property/ saving certificates or two personal
guarantees acceptable to the bank. Debt Equity ratio is 80:20. The loan is for three
to five years repayable in two half yearly installments. Quotation from the authorized
tractor dealer is required. If security is bank deposit then no need for equity deposit.
The tractor is to be comprehensively insured.
Loan for Tobacco growers
A maximum finance of 100,000/- per grower can be provided as per
recommendations of PTC/ LTC against two sureties acceptable to the bank for
actual input requirements as demand finance for one tobacco season. Verification of
Halka Patwari or any other revenue official not required.
Finance to be repaid from sale proceeds of tobacco crops.
NIB (NON- INTEREST BASED ) MODES OF FINANCING
It is to get rid of interest/ usuary/ Riba from our economy and banking system. It is to
transform our banking system strictly in line with the teachings of Islam.To achieve
these objectives there must occur a basic change in the relationship of banker and
customer. Under NIB financing bank is no more a lender of money rather it should
become a partner of the business.
Three broad categories of NIB financing are as under
Financing by lending
Lending with service charges (Ju’ala)
Lending with out service charges (Qarze Hasana)
Trade related Modes of Financing:
M ARK - UP (B AI -M UAJJAL )
27
Financing Institutions shall buy an item at the request of the customer. The seller
should deliver the goods to the buyer while the buyer agrees to pay the price at a
later stage. Repayment can be lump sump or in installment at marked up price.
M ARK D OWN
This mode of finance is used for discounting/ purchase of bill of exchange and/ or
documents. The profit is secured from the difference in the face value and the
marked down price of the bill.
L EASING
Two types of leasing
Operating Lease
Financial Lease
There are two parties in lease financing Lessor (The bank) and Lessee (the
customer). Lessor should purchase the fixed asset (Plant and machinery) and shall
retain its ownership. The lessor should give possession of the asset to the lessee for
use. The lessee pays a rent of the asset for a specified period. The leasing banks
are generally less concerned about financial account of the lessee.
H IRE P URCHASE (B AI -S ALAM )
Under this finance banks cater to the fixed investment needs of various sectors. The
assets are purchased on joint ownership basis. Repayment includes a part of the
principal and a share of profit earned from the assets. It is so adjusted that at the end
of the agreement the amount of finance and share of profit is fully amortized. Mode
of repayment is monthly installment. In case of default banks can take possession of
the asset.
E-BANKING
HBL E-bank is your bank at your fingertips
HBL E-bank is complete…
All your banking needs are covered in a single user interface.
28
HBL E-bank is convenient….
Access your accounts from your desktop any time any where across the globe
and avoid the hassles of branch banking.
HBL E-bank is economical…
All it takes is a Dial up to the Bank or access HBL E-bank site. No extra
charges, no new hardware software and no more frequent visits to the Bank and the
time wasted in arranging appointments, raveling, parking and queuing at the Bank
for ordinary money management requirements.
HBL E-bank Improves Fund Management
Latest information of your company / personal account(s) both in Rupees and
other currencies on your desktop computer provides a great facility to manage your
funds flow in a more efficient manner. You can check whether you have sufficient
funds in your account for the present day’s needs or you have to arrange funds from
other account(s) resources to meet your needs.
HBL E-bank improves working
Effective management of excess cash float, accelerated accounts
management, immediate reconciliation and electronic filing saves time, space and
allows easy retrieval thus improving working quality and control.
HBL E-bank is secure…
Uncompromised security features supported by carefully controlled set of
private passwords only permits authorized persons to access HBL E-bank from
office / home. The HBL E-bank customers also have the option to decide the access
rights of their users to access / manage their E-banking activities by using their
private passwords.
HBL E-bank is user friendly…
It is designed with you in mind. Simple step-by-step processes show you how
to use it. An extensive on-screen help is also available in the system besides the
formal documentary guidance and assistance/training provided by the Bank to the
HBL E-bank users.
HBL E-bank ensures confidentiality…
The inherent high degree of data encryption and authentication features in the
system ensures absolute data integrity of all value transactions / information routed
to or received from the Bank, giving the user complete peace of mind.
29
E-BANK SERVICES
The customer needs are changing rapidly and they are demanding
sophisticated, swift, secure and low cost services to meet their banking
requirements. In line with Habib Bank Limited’s (HBL’s) tradition for leadership,
state-of-the-art technology is being employed to provide a complete e-banking
package to our wide-range of customers all over the globe.
HBL is offering value added, swift, efficient, hassle free, cost effective and
secure e-banking services to its customers across the globe which allows them to
manage the funds flow in their accounts with us in a more efficient manner from their
desktop any time any where with just a few clicks of the mouse, what we call your
bank at your fingertips. The HBL E-bank facilities are available in all our Branches
withinPakistan.
HBL is currently offering windows-based two electronic banking products to its
customers, which give access to information on their accounts and the ability to act
on the latest information received. The powerful and highly secure HBL network
enables our clients to download the latest information of their accounts on their PCs.
PC Banking
Internet Banking
The features of our both products are the same. The only difference is the mode of
communication. In Internet Banking you use Internet to get connected to HBL E-bank
Data Server while with PC Banking, you use a dial-up connection.
E-BANK APPLICATIONS
If you would like to apply for PC or Internet Banking Services of HBL, please follow
the under mentioned steps:
You must be a customer of HBL and have account(s) in any of our Branches
within Pakistan.
30
Obtain PC / Internet Services Application Form from any of our Branches
within Pakistan that is nearest to you.
Fill out the Application Form and note to complete all columns.
The Applicant’s Title of Account in the Bank’s records must be the same as
mentioned on the HBL E-bank Application Form where applications are
received for Accounts of Companies / Firms the individual accounts of their
executives cannot be incorporated in the Company’s Site and require
separate Application Form to be completed.
Submit the completed PC / Internet Banking Services Application Form to
your branch for necessary verification of Title of Account/s, Account
Number/s, and Authorized Signature/s for the account(s) mentioned in
the form. In case of more than one account maintained in our various On-line
Branches, all such accounts also require necessary verification of Title of
Account, Account Number and Authorized Signature from the respective
branches.
E-BANK HELP DESK
The HBL E-bank package includes comprehensive User Manuals for PC & Internet
Banking Modules and on-screen helps instructions for each function. Should you
have any questions regarding connection, starting the system or the day-to-day
running of the system, the Bank’s Help Desk is there to assist you.
We are committed to fast response and our Help Desk is available from 09:00 A.M.
to 08:00 P.M. on Mondays to Fridays and from 09:00 A.M. to 02:00 P.M. on
Saturdays to assist, provide guidance and to solve any problems.
Our appreciation is best expressed by our being of service to you.
E-BANK SECURITY FEATURES
HBL realizes the importance of exercising ‘Security’ over the data that is transmitted
both for itself and our customers and that is why we are using the latest available
security features at all levels which will give confidence to our customers while using
our e-banking services.
31
Secure Log-In
To log-in you need to enter your Site ID (provided by the Bank) and a private
password of your own choice. When you log-in, the Site ID and Password is
automatically encrypted so that no-one can read it.
Password Controls
You can change/create the password of your own choice any time at your
convenience. The following are the parameters that must be observed while
making/changing of password:
Password must be of 8 characters – alphanumeric.
Alphanumeric cannot be in sequence/series e.g. 23, 78, 12, ab, ef, ijk etc.
Password cannot contain duplicate characters.
Last 6 Previously used Passwords cannot be repeated.
The expiry period of passwords is 30 days in P.C. Banking & 90 days in
Internet Banking Services.
Encryption Technology
HBL E-bank is hosted on a secure server that uses the latest encryption
technology at all levels i.e. from Log-in process to transmission of any Information
from client’s end to HBL E-bank Server or vice versa. The encryption is on all data
generated at both ends manually and automatically through the system security
protocol. The data / information that fail to pass this integrity checking procedure are
not accepted on the HBL E-bank Server.
SSL Technology
For managing your encrypted communication session we use Secure Sockets
Layer (SSL) Protocol – 128 bit encryption.
Firewall
In addition to using encryption tools, a Firewall is also used to protect network
and provide safeguard for your account(s) information held on HBL E-bank Server.
This barrier provides high quality of screening that only allows authorized access to
HBL E-bank server.
Digital Certification
HBL E-banking uses online certification issued by a reputed third party. A
padlock symbol displayed at the right side of the bottom of the browser screen
shows the internet users that the website is secure and genuine.
32
Corporate Controls
Password controls for Super User and Sub Users
Different Access Rights for Super User and Sub Users
Single / Dual Password Authorization for all transfer instructions
Pre-defined Beneficiaries Option Audit Trail
PC BANKING
PC Banking is one of the E-banking services being offered by the Bank. This
allows two-way communication between the Bank and its Corporate, Retail and
Commercial Customers and gives the client access to download the information of
their account(s) both in Pak Rupees & Foreign Currency to their desktop PC through
a dial-up connection.
With PC Banking our customers enjoy the following secured facilities:
Statement of Account(s)
Single Account Balances
Group Accounts Balances
Account to Account Transfers (Only available within our On-line Branches)
Payment to Third Party by requesting the following:
Issuance of Draft
Issuance of Pay Order
Issuance of Telegraphic Transfer
Issuance of Mail Transfer
Payments can also be made in Foreign Currencies (if permitted under Foreign
Exchange Regulations). All authorized payment instructions received on any
working day by HBL Embank before 1:30 P.M. (Monday to Thursday) and
12:30 Noon (Friday & Saturday) will be acted upon the same day. Payment
instruction(s) received after these timings will be entertained on next working
day.
Services to be offered in future
Utility Bills Payment
Cheque Book Requests
Exchange Rates
33
Market Commentary
Product Information
Secure E-mail.
Equipment Requirement
The minimum equipment required for PC Banking product of HBL E-bank is
as follows:
IBM Compatible PC
P3 Processor + 64MB Ram (Minimum)
Windows 95 / 98 / NT / 2000 / XP
56K Modem (AT HAYES compatible) 3 Com / US Robotics (Preferred)
DUN-Dial up Networking (Windows)
Hard Disk – Free space: at least 250 MB (for HBL E-bank application)
Telephone Line – that can use a modem i.e. Analogue.
INTERNET BANKING
Internet Banking is another medium of our E-banking services, which allows
our Retail, Commercial and Individual Customers to access the information of their
account(s) both in Pak Rupees & Foreign Currency by connecting to HBL E-bank
site from their desktop through Internet.
Internet Banking Services provide the following secured facilities to our
clients: -
Statement of Account(s)
Single Account Balances
Group Accounts Balances
Account to Account Transfers (Only available within our On-line Branches)
Payment to Third Party by requesting the following:
Issuance of Draft
Issuance of Pay Order
Issuance of Telegraphic Transfer
Issuance of Mail Transfer
34
Payments can also be made in Foreign Currencies (if permitted under Foreign
Exchange Regulations). All authorized payment instructions received on any working
day by HBL E-bank before 1:30 P.M. (Monday to Thursday) and 12:30 Noon (Friday
& Saturday) will be acted upon the same day. Payment instruction(s) received after
these timings will be entertained in next working day.
Services to be offered in future
Utility Bills Payment
Cheque Book Requests
System Requirement
Internet Explorer version 5.5 preferable.
Java Virtual Machine (JVM) should be available on the PC.
OTHER SERVICES
HBL MASTER CARD
Habib Bank MasterCard opens a world of convenience for you. Be it shopping
or traveling or medical expense, HBL MasterCard sets you free from the hassles of
carrying cash, wherever you are. You have the option to choose from our Domestic
or International card depending on your requirements.
Facilities:
Worldwide acceptability
Up to 30% of your spending limit as cash advance
Travel accident insurance coverage worth Rs. 2.5 million
Photo feature to help avoid misuse
HBL LOCKERS:
HBL also provides huge facilities of lockers to their A/C Holders with some
charges. some of functions related to the lockers are given below:
Main Branch of Locker:
35
The main branch of Locker and this branch have also a huge locker to
providing the such needs for their A/C Holders. This branch in Karachi where as the
main head quarter also in Karachi which provides huge services to their customers
and employees.
Some Things Which Considered Safe:
Like; Jewelry, House documents, Important bills, Use full things which considered to
exposed to theft, also admitted in branches of HBL for safety and sound ness. Bank
is reliable of your things.
HBL HAJJ/UMRA SERVICES:
HBL also introduced the new policies for the sake of its Good Will and to grow
good reputation in the society. So HBL introduced Hajj/Umbra packages for his
customers. So, besides showing his reputation in the financial and economic sectors,
it’s also provides packages for his employees, and A/c Holders, and customers for
performing their Hajj or Umbra. So, HBL also create Religious sector in his sectors.
VALUE VISA DEBIT CARD:
Introduction:
Step into a world of ease and convenience and welcome a new and
innovative way of making purchases! We bring to you Habib Bank Value Debit Card
the truly secure and convenient payment solution backed by the international
acceptance and recognition of Visa International. Simply use your Value Card at
outlets for payment of daily purchases and experience the ultimate ease and
convenience. Pursue your heart’s desire, travel, shop, entertain, refuel yourself and
your car because you’ve just added Value to your life.
Habib Bank Value Debit Card:
Habib Bank Value Debit Card is a secure and convenient payment tool. It is
linked to the personal Habib Bank account of the customer. When the customer uses
Value Card at outlets for payment of daily purchases, the exact purchase amount is
deducted from their personal Habib Bank account.
Benefits of Value Card:
Your Money, Your Control –
36
Value Card is the ideal way of paying for your shopping and purchases as it
gives you access to the exact amount of money you need from your account, when
you need it. Also, no interest or credit is involved on payment with Habib Bank Value
Card because you spend from the money available in your personal Habib Bank
account.
Ease & Security
Value Card is the quick, easy and convenient way of making payments for
purchases as you don’t have to visit ATMs to withdraw cash or count notes for
making payments. Also, paying with Value Card is safer than carrying large amounts
of cash because with a single swipe the exact purchase amount is automatically
deducted from your personal Habib Bank account.
No Liability on a Lost / Stolen Card –
In case of card loss or theft, you are protected against fraudulent debit card
transactions made on your card after it is reported lost / stolen. Therefore, card loss
or theft should be immediately reported to HBL 24 hour Customer Service Unit at
0800- 11224-toll free number or Visa Global Customer Assistance Service helpline
for the relevant country if you are traveling abroad.
International Recognition & Acceptability –
Your Value Card is backed by Visa International making it acceptable at over
20 million Visa merchants worldwide including 10,000 merchants in Pakistan. As an
ATM card it is accepted at over 700 1-Link and M Net ATMs in Pakistan and over
864,000 Visa ATMs worldwide.
Free Account Statement –
Value cardholders will receive a free of charge monthly account statement of
all debit card and ATM transactions to help them keep track of their spending.
Features of Value Visa Debit Card; Classic Gold Daily Spending limits – Point of
Sale (Debit Card) Rs. 50,000 Rs. 100,000 Daily ATM Cash withdrawal Rs. 20,000
Rs. 25,000
Exclusive Discounts & Deals-
Habib Bank brings “Value Debit Deals” for all its Value Debit Cardholders.
With Habib Bank Value Card you can avail magnificent discounts and deals at your
favorite outlets.
Insurance Cover –
37
On spending up to Rs. 5000 (single transaction or collective purchases) on
Value Gold Card in one month, you are entitled for Life Insurance (accidental Death)
of Rest. 100,000 for the next 30 days. (Persons above 65 years of age are not
eligible for this insurance cover).
Funds Transfer Facility –
Funds transfer facility through HBL ATMs provide Habib Bank Value
cardholders the facility of transferring funds between linked accounts (from own
account to own account, from own account to third party account) maintained with
online branches of HBL. The daily funds transfer limit on Value Classic Card is Rs.
25,000 and on Value Gold Card is Rest. 50,000. If you want to avail the Funds
Transfer facility, please fill “Account Link Form”. Supplementary Debit Card - Now
your family too can enjoy the convenience and benefits of Habib
Bank Value Card!
Habib Bank Value Supplementary card has been specially designed keeping in
mind the daily purchase requirements of you and your family. You can get
supplementary cards for your immediate family i.e.:
Parents Husband /
Wife
Brother /
Sister
Son /
Daughter
Facilities:
Habib Bank Value Supplementary card offers all Habib Bank Value Debit
Card facilities as well as Cash Withdrawal and PIN Change options on ATMs.
Supplementary cards have the same ATM Cash Withdrawal limit as the Basic Card.
However, on Basic cardholder’s request, these ATM facilities can be blocked so that
the Supplementary Card may be used for debit card transactions only. Choose the
desired spending limit (Rs.) for each supplementary card from the following options:
· 5,000 10,000
38
· 20,000 50,000
· 100,000 (for Gold cardholders only)
Monthly Card Statement
All supplementary card/s transaction details will be included in the Basic card
statement.
Apply for Supplementary Cards
You can apply for up to 2 supplementary cards if you are a Value Classic
cardholder and up to 4 supplementary cards if you are a Value Gold cardholder.
VALUE VISA DEBIT DEALS
Value Debit Card exclusive discounts & deals at your favorite outlets!
Habib Bank brings “Value Debit Deals” for all its Value Debit cardholders. Your Card
entitles you to discounts and savings on your purchases at your favorite outlets.
Thus, not only do you enjoy convenience, safety and international acceptability on
your Card, but also you can save on your daily purchases. So, make each shopping
spree exciting by availing Value offers at our partner shops and outlets.
HBL PAYMENTS OF UTILITY BILLS
In some branches of HBL provides to the people to paid their dues or bills
related to their use ness in their daily life routine. All such bills like Electric Bills,
Water Bills, Sui Gas Bills, are must be paid in HBL branches during their working
hours. The bills must be accepted in its branches with the amount charged which is
written in bills.
VALUE VISA DEBIT CARD CHARGES
CARD CHARGES
Annual Fee – Basic Classic Card Rs. 350
Annual Fee – Basic Gold Card Rs. 1000
Annual Fee – Supplementary Classic Card Rs. 100
Annual Fee – Supplementary Gold Card Rs. 250
Card Replacement Fee Rs. 100
POS Transaction Fee (Local) –
Nil
POS Transaction Fee (International) –
39
2% of transaction amount (Minimum US$5 Maximum US$20)
ATM CHARGES:
Cash Withdrawal
HBL ATMs Nil
1 Link ATMs Rs. 20 per withdrawal
Mnet ATMs Rs. 20 per withdrawal
Visa ATMs (International) 3% of transaction amount or US$5, whichever is
higher (per withdrawal)
Balance Inquiry
HBL ATMs Nil
1 Link ATMs Nil
MNet ATMs Rs. 5 (per inquiry)
Visa ATMs (International) US$ 5 (per inquiry)
Mini Statement - HBL ATMs Rs. 5 (per statement)
Funds Transfer (HBL ATMs) Rs. 50 (per transfer)
HBL ATM’S
ATM’S is the abbreviation of Automated Teller Machines As concern with his
name we find that this machine belongs to cash transactions. Which deals with cash
transfer or drew out from this machine where this facility is available. In Pakistan the
ATM’S machines are 114 whereas Lahore have 26 branches and its networks in 37
cities. The main branches of ATM’S in Lahore are Cantonment branch, Davis road
branch, and Shah Alam market branch.
ANNEXURE
ANNEXURE 1:
Details of Branch Network
Online Branches
40
Abbottabad 1
Attock 2
Bahawalpur 4
Bannu 1
Chitral 1
D.G.Khan 1
D.I.Khan 1
Faisalabad 10
Gujranwala 5
Gujar Khan 1
Gujrat 3
Haripur 1
Hyderabad 4
Islamabad 17
Jamshoro 1
Jhang 1
Jhelum 3
Karachi 56
Kohat 1
Kharian 2
Kasur 1
Khanewal 1
Lahore 37
Lala Moosa 1
Larkana 1
Mirpurkhas 1
Muzaffarabad (AK) 2
Multan 7
Mardan 1
Mingora 1
Mirpur (AK) 2
Murree 1
Nawabshah 1
41
Noshera 1
Okara 1
Peshawar 9
Quetta 6
Rawalpindi 16
Rahimyar Khan 2
Sahiwal 2
Sargodha 3
Sialkot 7
Sukkur 2
Sheikhupura 1
Wah Cantt 1
Wazirabad 1
Total Branches 225
ANNEXURE 2
HBL Branches of ATM’s
The branches of ATM’S in Pakistan as follows;
HABIB BANK LTD. ATMS
KARACHI
1 Zamzama Boulevard Branch
2 Nursery Branch
3 PAF Shahrah-e- Faisal
4 Elphinstone Street Branch
5 P.I.A. Airport Corporate Sub Centre
6 Clifton Branch
7 Jinnah Terminal Branch
8 Sir Syed Road Branch
9 Barkat-e-Hyderi Branch
10 Defense Housing Society
42
11 Karsaz Branch
12 Rizvia Society Branch
13 Mercantile Branch
14 Mercantile Branch Karachi
15 Shahrah-e- Pakistan
16 Badar Comm.Area, 26 Street, D.H.A
17 Hassan Square Branch
18 FTC Branch
19 KMC Branch
20 Saddar Sub Centre
21 Shaheen (Mauripur Road) Branch
22 Korangi Road Phase-2 (DHA)
23 Tibet Centre
24 JPMC Branch
25 Gulistan-e-Jauhar Branch
26 Muslim Town Branch
LAHORE
1 Cantonment Branch
2 Circular Road Branch
3 Shah Alam Market Branch
4 Shahrah-e- Quaid-e-Azam (The Mall)
5 Davis Road Branch
6 Gulberg Main Market Branch
7 Model Town Branch
8 Chowk Hall Mcleod Road Branch
9 Gulberg-III Super Market
10 New Muslim Town Branch
11 Fortress Stadium Branch
12 Shadman Colony Branch
13 Corporate Centre
14 Allama Iqbal Town Branch
15 Panorama Centre Branch
43
16 Allama Iqbal International Airport Branch
17 Nisbet Road Branch, Lahore
18 Shad Bagh Branch
19 Samanabad Branch
20 Ferozepur Road Branch (Ichhra)
21 Engineering University Branch
22 Baghbanpura Branch
23 Lake Road Branch
24 Jail Road Branch
25 PAF Sarfaraz Rafiqui Road Branch
26 Mughalpura Branch
ISLAMABAD
1 Aabpara Market Branch
2 Foreign Affairs Building
3 CDA Civic Centre Branch
4 Corporate Centre
5 F-7 Commercial Area Branch
6 F-6 Super Market Branch
7 PTV Head Quarters
8 G-9/4 Industrial / Trading Centre
RAWALPINDI
1 Lalkurti Branch
2 S.D.V. Branch
3 Rehmanabad Branch
4 PAF Chaklala Base Branch
5 Satellite Town Branch
6 Main Airport Road Branch
7 Kashmir Road Branch
8 City Branch
PESHAWAR
1 Bank Square Branch
2 Hayatabad Branch
44
3 Arbab Road Branch
4 PAF Cavagnary Road Branch
FAISALABAD
1 Circular Road Centre
2 Punjab Medical College
3 Madina Town Branch
4 D. Ground Sub Centre
SIALKOT
1 Paris Road Centre
2 Cantonment Branch
3 Small Industries Estate Sub Centre
GUJRANWALA
1 Bank Square Branch
2 Satellite Town Branch
3 G.T. Road Branch
MULTAN
1 Cantonment Branch
2 Gulgasht Colony Branch
3 Hussain Agahi Branch
4 Mumtazabad Branch
QUETTA
1 High Court Branch
2 Jinnah Road Branch
3 Balochistan University Branch
HYDERABAD
1 District Council Branch
2 Station Road Branch
3 Latifabad Unit No.7 Branch
SUKKUR
1 Military Road Branch
45
MIRPUR AZAD KASHMIR
Bank Square Nangi Branch
BHAWALPUR
Chowk Fowara Branch
ABBOTTABAD
Jinnah Road Branch
SAHIWAL
High Street Jinnah Road Branch
WAH CANTT
Wah Cantt-P.O.F
SARGODHA
1 Kutchery Bazar Branch
2 Satellite Town Branch
3 PAF Shaheen Branch
JHELUM
Chowk Shandar Branch
HARI PUR
Haripur Main Bazar Branch
SHEIKHUPURA
Railway Road Branch
MURREE
Jinnah Road Branch
MARDAN
Bank Road Branch
ATTOCK
City Branch
DG KHAN
Main Bazar Branch
46
MUZAFARABAD
Chattar Domel Branch
GUJRAT
Gharibpura Branch
RAHIMYARKHAN
Shahi Road Branch
KOHAT
Hungo Road Branch
NOWSHERA
Cantt District Nowshera Branch
KASUR
Railway Road Branch
MINGORA
Bank Square Branch
KHARIAN
Cantt Branch
WAZIRABAD
Kutchery Chowk Branch
KHANEWAL
Main Branch
KAMRA
Pakistan Aeronautical Complex KAMRA
LARKANA
Bunder Road Branch
NAWABSHAH
Masjid Road Banch
OKARA
Mandi Road Branch
47
HAFIZABAD
Grain Market Branch
MIRPURKHAS
Jinnah Road Branch
ANNEXURE 4
Total ATM’S branches
And its network covers;
Total ATMs 114
ATM Network Covers 37 Cities
HBL ISSUING BRANCHES OF VALUE VISA DEBITCARD;
HABIB BANK LTD. VALUE DEBIT CARD
ISSUING BRANCHES
KARACHI
1 Zamzama Boulevard Branch
2 Nursery Branch
3 PAF Shahrah-e- Faisal
4 Elphinstone Street Branch
5 P.I.A. Airport Corporate Sub Centre
6 Clifton Branch
7 Jinnah Terminal Branch
8 Sir Syed Road Branch
9 Barkat-e-Hyderi Branch
10 Defense Housing Society
11 Karsaz Branch
12 Rizvia Society Branch
13 Mercantile Branch
14 Mercantile Branch Karachi
15 Shahrah-e- Pakistan
16 Badar Comm.Area, 26 Street, D.H.A
48
17 Hassan Square Branch
18 FTC Branch
19 KMC Branch
20 Saddar Sub Centre
21 Shaheen (Mauripur Road) Branch
22 Korangi Road Phase-2 (DHA)
23 Tibet Centre
24 JPMC Branch
25 Gulistan-e-Jauhar Branch
26 Muslim Town Branch
27 Foreign Exchange Centre
28 Iddgah Branch
29 SITE Branch
30 Central Corporate Centre
31 Habib Bank Annexe Branch
32 Napier Road Sub Centre
33 State Life Corporate Centre
34 Club Road Branch
35 Cloth Market Branch
36 SDV Branch
37 Tariq Road Centre
38 Industrial Estate, Site Centre
39 Jodia Bazar Sub Centre
40 Korangi Industrial Area Centre
41 Shahrah-e-Jahangir Branch
42 Pakistan Steel Mill Corporate Sub Centre
43 Bahadurabad Branch
44 West Wharf Branch
45 Ram Bharti Street Sub Centre
46 Stock Exchange Branch
47 KPT Branch
48 Shaheed-e-Millat Road
49 PNSC Branch
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50 PECHS Commercial Area Branch
51 Ibrahim Hyderi Goth
52 Landhi Industrial Area Branch
53 Timber Market Branch
54 Korangi No.5 Branch
55 Modern Housing Society Branch
56 KDA Civic Centre Branch
57 Sindhi Muslim Housing Socirty Branch
58 New Challi Branch
59 Alnoor Society Branch
60 Yousuf Plaza Branch
61 Port Qasim Branch
62 Malir Cantt Branch
LAHORE
63 Cantonment Branch
64 Circular Road Branch
65 Shah Alam Market Branch
66 Shahrah-e- Quaid-e-Azam (The Mall)
67 Davis Road Branch
68 Gulberg Main Market Branch
69 Model Town Branch
70 Chowk Hall Mcleod Road Branch
71 Gulberg-III Super Market
72 New Muslim Town Branch
73 Fortress Stadium Branch
74 Shadman Colony Branch
75 Corporate Centre
76 Allama Iqbal Town Branch
77 Panorama Centre Branch
78 Allama Iqbal International Airport Branch
79 Nisbet Road Branch, Lahore
80 Shad Bagh Branch
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81 Samanabad Branch
82 Ferozepur Road Branch (Ichhra)
83 Engineering University Branch
84 Baghbanpura Branch
85 Lake Road Branch
86 Jail Road Branch
87 PAF Sarfaraz Rafiqui Road Branch
88 Mughalpura Branch
89 Cavalry Ground Branch
90 Badami Bagh Sub Centre
91 Lahore Development Authority Branch
92 Brandreth Road Branch
93 Opposite High Court Branch
94 Stock Exchange Branch
95 Bilal Park Branch
96 DHA Branch
97 PECO Road Centre
98 Punjab University New Campus Branch
99 Punjab University Old Campus Branch
100 Wapda House Branch
101 Empress Road Branch
102 Gardee Square Branch
ISLAMABAD
103 Aabpara Market Branch
104 Foreign Affairs Building
105 CDA Civic Centre Branch
106 Corporate Centre
107 F-7 Commercial Area Branch
108 F-6 Super Market Branch
109 PTV Head Quarters
110 G-9/4 Industrial / Trading Centre
111 Secretariate ''A'' Block Branch
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112 Secretariate ''Q'' Block Branch
113 H9-Shalimar Recording Branch
114 Quaid-e-Azam University Branch
115 Supreme Court Building
116 I-9 Industrial Area
117 Islamic University Branch
118 Federal BISE Branch
119 Jinnah Avenue Branch
RAWALPINDI
120 Lalkurti Branch
121 S.D.V. Branch
122 Rehmanabad Branch
123 PAF Chaklala Base Branch
124 Satellite Town Branch
125 Main Airport Road Branch
126 Kashmir Road Branch
127 City Branch
128 Corporate Centre
129 Massy Gate Branch
130 Narankari Bazar Branch
131 Liaquat Road Branch
132 Asghar Mall Branch
133 Services Branch
134 GHQ Branch
MORGAH (District Rawalpindi)
135 Morgah Corporate Sub Centre
PESHAWAR
136 Bank Square Branch
137 Hayatabad Branch
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138 Arbab Road Branch
139 PAF Cavagnary Road Branch
140 Super Market Cantt Plaza Sadder Branch
141 City Branch
142 Cantt Branch
143 Tehkal Bala Branch
144 Jamrood Road Branch
FAISALABAD
145 Circular Road Centre
146 Punjab Medical College
147 Madina Town Branch
148 D. Ground Sub Centre
149 Corporate Centre
150 Municipal Complex Branch
151 District Council Branch
152 State Life Building Branch
153 Satyana Road Branch
154 Yarn Market Branch
SIALKOT
155 Paris Road Centre
156 Cantonment Branch
157 Small Industries Estate Sub Centre
158 City Branch
159 M.F. Elahi Building Sub Centre
160 Neika Pura Branch
Adda (District Sialkot)
161 Adda Branch
GUJRANWALA
162 Bank Square Branch
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163 Satellite Town Branch
164 G.T. Road Branch
165 Gulabpura Cantt
166 Trust Plaza, Sub Centre
MULTAN
167 Cantonment Branch
168 Gulgasht Colony Branch
169 Hussain Agahi Branch
170 Mumtazabad Branch
171 BISE Branch
172 Corporate Centre
173 Samijabad Branch
174 Bahauddin Zakaria University
QUETTA
175 High Court Branch
176 Jinnah Road Branch
177 Balochistan University Branch
178 Complex Branch
179 Satellite Town Branch
180 Cantt Branch
HYDERABAD
181 District Council Branch
182 Station Road Branch
183 Latifabad Unit No.7 Branch
184 Jamshoro Sind University, New Campus
185 Main Bazar Saddar Branch
SUKKUR
186 Military Road Branch
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187 Frere Road Branch
MIRPUR AZAD KASHMIR
188 Bank Square Nangi Branch
189 Main Bazar Branch
BHAWALPUR
190 Chowk Fowara Branch
191 Farid Gate Branch
192 Model Town 'A'
193 Ghalla Mandi
ABBOTTABAD
194 Jinnah Road Branch
SAHIWAL
195 High Street Jinnah Road Branch
196 Jinnah Chowk Branch
WAH CANTT
197 Wah Cantt-P.O.F
SARGODHA
198 Kutchery Bazar Branch
199 Satellite Town Branch
200 PAF Shaheen Branch
JHELUM
201 Chowk Shandar Branch
202 Fauji Textile Mills Branch
203 Ram Din Bazar Branch
HARI PUR
204 Haripur Main Bazar Branch
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SHEIKHUPURA
205 Railway Road Branch
MURREE
206 Jinnah Road Branch
MARDAN
207 Bank Road Branch
ATTOCK
208 City Branch
DG KHAN
209 Main Bazar Branch
MUZAFARABAD
210 Chattar Domel Branch
211 Main Branch
GUJRAT
212 Gharibpura Branch
213 Pakistan Chowk Branch
214 Circular Road Branch
RAHIMYARKHAN
215 Shahi Road Branch
SADIQABAD
216 Machi Goth Branch
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JHANG
217 Shaheed Road Branch
KOHAT
218 Hungo Road Branch
NOWSHERA
219 Cantt District Nowshera Branch
KASUR
220 Railway Road Branch
MINGORA
221 Bank Square Branch
KHARIAN
222 Cantt Branch
223 City Branch
D.I.KHAN
224 Circular Road Branch
LALAMUSA
225 G.T. Road Branch
GUJAR KHAN
226 G.T. Road Branch
WAZIRABAD
227 Kutchery Chowk Branch
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KHANEWAL
228 Main Branch
KAMRA
229 Pakistan Aeronautical Complex KAMRA
LARKANA
230 Bunder Road Branch
NAWABSHAH
231 Masjid Road Banch
OKARA
232 Mandi Road Branch
HAFIZABAD
233 Grain Market Branch
MIRPURKHAS
234 Jinnah Road Branch
CHAKWAL
235 Bhaun Chowk Branch
BUNNU
236 Preedy Gate Branch
MURIDKE
237 Muridke Branch
HBL OVERSEAS BRANCHES
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Overseas branches of HBL also helping in the Presidents relief fund some of
branches discussed below,
Branch Name
Habib Bank Limited Colombo
Habib Bank Limited Dhaka
Habib Bank Limited Chittagong
Habib Bank Limited Fiji
Habib Bank Limited Maldives
Habib Bank Limited Brussels
Habib Bank Limited Rotterdam
Habib Bank Limited Kenya (Kenyatta Ave)
Habib Bank Limited Kabul
Habib Bank Limited Dubai
Habib Bank Limited Bahrain
Habib Bank Limited Bahrain (OBU)
Habib Bank Limited Oman
Habib Bank Limited New York
Habib Bank Limited Singapore
Habib-UK PLC
Habib Bank Limited Mauritious
Habib Finance Australia Ltd. Sydney
Habib Bank Limited Beirut
Habib Bank Limited Turkey
Habib Bank Limited Paris
Habib Bank Limited Hong Kong
P OINTS OF SOCIAL COMMITMENT
The important points of social commitment as follows:
SPORTS
HEALTH
EDUCATION
CULTURE
PROMOTIONAL SUPPORT
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OTHER CONTRIBUTIONS
Sports
1. Cricket
2. Hockey
3. Football
4. Table Tennis
5. Basket Ball
Cricket
HBL has a history of providing great cricketers to Pakistan Cricket. Our cricket
players have brought laurels to our bank as well as to the country. Players like Javed
Miandad, Mohsin Khan, Abdul Qadir, Salim Malik and Ijaz Ahmed joined Habib Bank
at very early stage of their career. The exposure given by the bank helped them
polish their skills to become renowned cricketers of the world. These days players
like Shahid Khan Afridi, Younus Khan, Saleem Elahi, Danish Kaneria, Hasan Raza,
Kabir Khan, Atiq-uz-Zaman and Imran Farhat are representing HBL.
Some notable achievements of our cricket team:
WILLS Cup One Day Trophy;
Winner: 1984, 1986, 1989, 1990, 1991&1993
Runners Up: 1983, 1992
Patrons Trophy Grade-I;
Winner: 1976-77, 1977-78, 1987-88, 1991-92, 1992-93, 1997-98, 1998-99
Runners Up: 1990-91, 1996-97
Quaid-e-Azam Trophy;
Winner: 1977-78
Runners Up: 1978-79, 1988-89 & 1999-2000
Hockey
Habib bank has produced a number of Olympians and International Hockey
players like late Munawar-uz-Zaman, Hanif Khan, Waseem Feroze, Safdar Abbas,
and Iftikhar Syed who represented Pakistan in early Seventy’s and Eighty’s.
Presently players like Sohail Abbas, Waseem Ahmad, Kashif Jawwad, and Sameer
Hussain represented Pakistan in the Sydney Olympic 2000.
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Besides these, other players like Haider Hussain, Naveed Iqbal, Mohammad
Khalid, Mubasshir ukhtar, Ajaz Khokhar and Asad Qureshi have also represented
Pakistan in various International Tournaments.
Major achievements of our Hockey Team are:
Winner: All Pakistan Gold Cup Tournament at Lahore in 1989
Winner: All Pakistan President Gold Cup at Peshawar in 1991
Winner: All Pakistan Environmental Tournament at Peshawar in 1995
Winner: All Pakistan Col: Sher Khan Shaheed Tournament at Rawalpindi in 1999
Runner Up: 48th Habib Bank National Championship 2000-2001
Patrons Trophy Grade-I;
Winner: 1976-77, 1977-78, 1987-88, 1991-92, 1992-93, 1997-98, 1998-99
Runners Up: 1990-91, 1996-97
Quaid-e-Azam Trophy;
Winner: 1977-78
Runners Up: 1978-79, 1988-89 & 1999-2000
Football
In Football, players like Mohammad Tariq, Late Mohammad Shafi, Moosa
Ghazi not only played for the country but also led the country on different occasions.
Major contributions of our Football Team are:
National Championship;
Winner: 1981, 1985
Runners Up: 1982, 2000
3rd Position: 1980-91, 1992,1996
Besides above, during the period between 1975-1996;
Winner in various All Pakistan Football Tournaments (20)
Runner up in various All Pakistan Tournaments (15)
Table tennis;
Our women’s Table Tennis team has a record of winning the National
Championship of team events for consecutive 13 years (from 1978 – 1990). Nazo
Tahir, Robina Arif, Seema Kaleem and Shabnam Bilal won the individual ladies
National Championship twelve times among themselves.
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Nazo Tahir won the Gold Medal in the 4th SAF Games. On account of her
excellent performance, the President of Pakistan awarded her Pride of Performance.
In men’s events, Arif Nakhuda, Sohail Hayat and Javed Ghaffar won six individual
National Championship. Our Table Tennis team also won men’s team events in 1990
and 1996.
Basket ball;
Our Basketball team has also been actively participating in the national
events. S.M. Tanveer, Majid Mohammad, Mohammad Azam, Abdul Rahim are some
of our players who have led the National team on different occasion at the
International level. The major contributions of the team include:
National Championship;
Winner: 1982, 1983 & 1984
Runners up: 1980, 1981, 1992 and 1993
3rd Position: 1985, 1987, 1988, 1990, 1991, 1994 & 1995
Winner: Sindh Olympics (SAO) basketball championship.
Winner: All Pakistan Tournament from 1978 to 1996 (thirty one times)
Runners Up: All Pakistan Tournaments from 1978 to 1996 (fourteen times)
3rd Position: 23rd National Games at Peshawar in 1990.
International and good will tours;
Cricket
Visited: U.A.E., Kuwait & Oman on Good Will tours.
Runner up: Super Wills Cup, held in India.
Hockey
Winner: Quaid-e-Azam International Cup, held in Colombo, Srilanka.
Football
3rd Position: “Asian Club Championship”, Colombo, Srilanka.
Table Tennis
Winner: All Dubai Table Tennis Championship
Health
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Annual fund raising campaign of December 2000 of
Marie Adelaide Leprosy center.
Fund Raising Campaign of Shoukat Khanum Memorial Hospital.
Zakat Raising Campaign for JPMC, Cardiovascular, patient’s welfare.
Pakistan Medical Association Conference.
Promotion of Kidney Centre Karachi.
Marie Adelaide Leprosy Center.
Shoukat Khanum Cancer Hospital, Lahore.
JPMC, Cardiovascular.
Pakistan Medical Association.
Kidney Center, Karachi. 13th International Psychiatric conference held in
Karachi.
EDUCATION
University of Karachi.
Sindh IT Board.
Providing Science Equipment / Home Economics Material for Government
Girls High
School, Sinjoro, Distt. Sanghar, Sindh.
The Indus Entrepreneur TIE.
Sindh Madressa-tul Islam, Karachi. Professional institutions i.e. I.B.P. /
I.B.A. /I.B.M.
Institute of Chartered Accountant.
CULTURE
Calligraphy promotion of Pakistan Navy at Maritime Museum.
Promotion of Fine Arts to Mr. S.L. Hussain.
Hyderabad Bankers Club.
Promotion of culture by Art Council of Pakistan, Karachi.
Promotion of activities at press club & press associations.
Promotion of Ramazan Festival with Karachi Sheraton.
PROMOTIONAL SUPPORT
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Calligraphy exhibitions.
Art Council of Pakistan, Karachi.
Press Club.
Horticulture Foundation of Pakistan.
Silk Route festival-Gilgit 2000.
Marketing Association of Pakistan.
Export Exhibition.
Chamber of Commerce & Industry.
Federation of Pakistan Chamber of Commerce & Industry.
All Pakistan Newspapers Society.
Council of Newspapers Editors.
Korangi Association of Trade & Industry.
OTHER CONTRIBUTIONS
100th anniversary of Quaid-e-Azam’s Sindh Madressa-tul Islam.
Promotion of Horticulture Foundation of Pakistan.
Various seminars at professional institutions like I.B.P., I.B.A.
Chamber of Commerce & Industry Hyderabad.
Promotion of Pak China relationship and tourism through Silk Route festival –
Gilgit 2000.
EARTH-QUAKE & HBL
PRESIDENT'S RELIEF FUND EARTHQUAKE VICTIMS-2005
All Habib Bank Branches operating in Pakistan & Abroad and all its
subsidiaries including Habib Finance International Ltd.-Hong Kong / Habib Finance
(Australia) Ltd.-Sydney and Habib Allied International Bank PLC-UK have been
authorized to accept Donation from its customers as well as non-customers by Cash
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or Cheque ete. for the relief of earthquake victims-2005 in the account specially
opened for providing relief to the earthquake victims titled:
SWOT ANALYSIS
SWOT is the abbreviation of four words these are S stands for strength W
stand for weaknesses O stands for opportunities and T stand for threats. Strength
and weaknesses are the internal factors of the organization and it also known as the
micro factors but the opportunities and threats are the external factors and these are
known as the macro factors micro factors are controllable factors but the macro
factors are not controllable.
This is the theory that when ever the organization form then they have to
come to know about their strength the they come to know about their weaknesses
then the have to find out their opportunities and then they come to know about their
threats but according to the latest theory the word SWOT is know as WOTS
according to them they said that a new organization never come to know about their
strengths first always they come to know about their weaknesses first then they
come to know that what opportunities they have in the particular sector and then they
have come to know about their competitors and at the last they come to know about
their strengths. So the easiest way to know about any organization is the SWOT
analysis.
S TRENGTHS
Strong brand recognition
Strong brand recognition in the domestic market and niche foreign markets.
Strong distribution capability
Strong distribution capability through the largest domestic and overseas
network amongst all commercial banks in Pakistan.
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Market presence
Established market presence – 20% market share.
Large Domestic Deposit
Large (over 5 million accounts) and loyal domestic deposit base with low cost
deposits.
International Operations
Most international operations are funded by stable and core retail deposits
Different Products
HBL has many products for it all type of customers. So it depends on
customer that what product he like means that in which type the customer wants to
invest in the HBL. But it’s the facility form the HBL that they provide a maximum
number of products actually the HBL targeting all type of customers they have not
only a one target market the target every on whether a person is the salaried person
or business man they gave the facility to certain organization that they open their
employee’s salary account with HBL. HBL provides a complete range of banking
products and services including retail banking, corporate banking, trade finance,
consumer finance, credit cards and lease finance. Such a wide product portfolio,
along with increasing greater hedging of business risks also significantly increases
cross selling opportunities.
Credit rating
Strong credit rating & it is among the first 1000 banks of world (world class
bank)
Focused business strategy
Focused business strategy supported by appropriate organization structure,
operating procedures, and human resource and information technology initiatives.
Corporate Market
Large single party exposure limit and relationship with large groups has made
the bank a major player in the corporate market.
Largest Treasury function
Largest Treasury function amongst all commercial banks in Pakistan enables
ability to achieve attractive rates in the interbank market
Maximum number of branches
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HBL has maximum number of branches in all over Pakistan. HBL plays a
central role in Pakistan’s financial and economic development. HBL have an
extensive network of 1425 domestic branches which are largest in Pakistan. HBL
have also 55 international branches which provide comprehensive services. That’s
form the backbone of the bank’s operations.
Better Service
HBL has the good service department they providing their customers a
complete satisfaction according to their requirement. The reason that they are
providing the best services to their customers is that they want to remain in good
terms with customers at all levels.
Online Facility / Phone Banking
The customer needs are changing rapidly and they are demanding
sophisticated, swift, secure and low cost services to meet their banking
requirements. In line with Habib Bank (HBL) tradition for leadership, state-of-the-art
technology is being employed to provide a complete e-banking package
to our wide-range of customers all over the globe.
HBL is offering value added, swift, efficient, hassle free, and secure e-banking
services to its customers across the globe which allows them to manage the funds
flow in their accounts with us in a more efficient manner from their desktop any time
any where with just a few clicks of the mouse, what we call your bank at your
fingertips. The HBL E-bank facilities are available in all our Branches within Pakistan.
& bank is just away on a phone call.
Less Chance of Fraud
Because of online banking HBL have lees chances of fraud. Because
whenever some transactions have done this is at the time and at the spot enter in
the system that is directly connected the main server at Karachi. So the employees
have top balance their journal daily because other wise they have get memo form
the organization and this make their value down in the organization.
Lockers Facility
Many banks provide the facility of lockers but not in their 80% branches but
HBL is the only bank, which provides the lockers facility to their customers at their all
branches.
Well decorated and designed branches
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All branches of HBL is well designed and decorated all branches are designed by the
architects and designed by the interior designers.
Monthly Branch Meetings
Monthly branch meetings are held with in the branch to solve the problem or
how to bring new accounts who achieve his or her target and who have to achieve
how much more means to say that they have all things in the meeting which make
them best in their zone.
Seminars
HBL always conduct the seminars on certain topics as for service quality or
some other like that and the concerning person or every branch of the city have to
attend that seminar for the improvement and the knowledge about tat what their
bank improve for them and for the customers regarding to their department.
Award and appreciation of employees
HBL always appreciated its best employees who work hard for their
organization. The employees who bring the big account before their targets or the
amount above their target that employees are appreciated by awards in form of
cash, souvenir and certificate and these awards are present at the seminar at the
front of all branches employees.
Foreign Exchange Facility
Bank provide the facility of foreign exchange facility if any customer has the
foreign exchange account at Bank and after withdrawal of the amount from the bank
and he want to exchange his money in the local currency or some other currency
then the Bank employees or branch employees have good contact and account of
foreign exchange changer at their bank to them they call and ask them for the rate
and if the customer satisfied to the rate then they said them that for the certain
amount change the following currency they have the account their in the branch so
they gave the local currency at the bank and take the foreign currency with them on
their own responsibility. This will increase the business of the bank also.
Linked Account Facility
At HBL the customers who have more than one account they have the facility
that for different accounts thy have the same account number only the suffix is
changed so this is the facility for the customer that he can remember his account
easily.
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Relaxation for employees
For employees the relaxation is that the employees get the medical leaves
and 1 month vacations in one year with their pay and in case of some emergency the
employees have allow to leave, this is direct dealing of employees with their branch
manager.
Very easy to open accounts
At HBL it’s very easy to open an account no need of any reference you just
come instep and open your account in the particular suffix you want to. So this is the
strength if the HBL that the get more customers.
Employee back up is provided
In every branch of HBL the back up of every employee is there in case of
emergency is some officer not came at the bank so the other back up is there who
knows about al that things or even at the time of vacations they have the back up
who make his or her work for these days.
Utility bills collection
Collection of utility bills there at HBL. This is positive point of the Bank they
have the facility of the collection of utility bills for customer, this facility will make their
reputation more strong and this makes a plus point of their bank.
W EAKNESSES
Technology not up to date
Up gradation of technology in all branches not yet complete A number of
branches still have to be refurbished / upgraded, or automated, as these are not up
to the standard.
Government Interventions
Undue government intervention in shaping the administrative policies of the
bank due to being a public sector entity.
High Ratio of non-performing loans
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Historically high ratio of non-performing loans. This ratio has been managed
down due to balance sheet growth. In addition, these loans have now been
adequately provided.
Low rate of interests
HBL Bank has low rate of interests on Pls as compare to the other banks but
they have some good rate of interest in their products like value a/c but its rates are
also not too good as compare to the other banks.
Charges of cheque book
The other reason that many times there is conflict of the Bank customers have
those they why they have to pay to the bank. Customers are on right because many
of the banks are not charging for cheque book.
Transaction charges
The other weakness of the HBL Bank that they have charging the transaction
charges at first the State Bank have start but after a few months State Bank stop that
but HBL Bank still have that in their profit and loss account that they charge
transaction charges.
Increment in employee’s salaries
The other main weakness of the Bank is that they are not increment their
employee’s salary according to the world labor organization that is 10 % every year
but in Bank such thing is not happens according to that rule.
Late Promotions
The other thing that for the employee’s point of view the weakness is the Bank
is that they are to promote their employees even they have a time of promotion but
they are not promoted that is also not fair with the employees.
Un-balances appreciation
No balance appreciation are there at HBL for every employees the officers
who are below grade are not awarded as compare to the higher grade officers like
cashiers, operators etc.
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O PPORTUNITIES
Huge untapped market potential in consumer banking.
Opportunity for developing value added services combined with corporate
banking relationships, cash management services to large and medium sized
corporate clients.
Large international network which principally focuses on trade finance with
Pakistan can be utilized to tap trade activities in other markets. In addition,
services such as cross border / offshore financing for corporate customers
can be enhanced.
Benefits of recent expenditure on technology and branch upgrades soon to
start flowing.
Increasing regulatory support for universal banking activities. Stability in
Afghanistan leading to increased banking opportunities in Pakistan,
Afghanistan and in Central Asia.
Further reduction in intermediation costs possible, with improving technology.
Possibility of transferring non performing assets
THREATS
Following are the threats faced by the HBL these are almost the same threat,
which is faced by the other bank also because the threat is the micro factor, and it is
not in the hands of the organization it’s the environmental factor.
Competitors
HBL have the threat from their competitors in their main competitors are
Standard chartered, ABN Amro, Muslim Commercial Bank etc. because to compete
each other they have to launch the different products and different things to attract
their customers.
Government policies
The main thing that is the threat for the HBL is that is the government policies
that in the political situation like our country no one does not know that what going to
be happen in future not future perception. Same as the government that no one
71
knows that what type of policies they have in future so this is the biggest threat for
every industry.
Concentration risk
Concentration risk is high as major exposure is towards the textile sector and
government, as is the case with most of the Nationalized Commercial Banks
Consolidation
Consolidation in the banking sector resulting in increased competition.
W EBSITES
www.hbl.com
www.privatisation.gov.pk
www.sbp.gov.pk
N EWS P APERS
Economic Bulletin
ANNUAL REPORTS
Habib Bank.
Bank Alfalah Securities.
72
FAQs
Q. What are the total numbers of HBL branches?
A. HBL has 1437 local branches with 703 Rural, 734 Urban
& 40 International Branches.
Q. How many are HBL’s Islamic Branches and where Located?
A. Currently HBL is with just one Islamic branch located at Karachi.
Q. What is Shareholding Pattern in HBL?
Shareholder %age
Agha Khan Fund 51.000
State Bank of Pakistan 43.047
General Public 5.000
Others 00.953
100.00
Q. What is area of Credit Risk for HBL?
A. HBL is concentrated in the textile Sector with total Advances of Rs. 67.5Bn
Q. What is HBL’s Share in total Banking Sector?
A. HBL has total market share of 20%, moreover it has 16.5% share in overall
Advances and 14.3% share in overall Deposits.
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