2.

1 History of Habib Bank Limited:

Habib bank Limited was established in 1948 . Habib Bank Limited was first
time establish with the family business in the name of the Mithabai Nathoo in
Bombay , First it was the steel business in the starting which is suited outside
of the sub-continent of the India. In 1981 The young Muslim was hire as a
employee in this business his name was Habib Esmail , He was very
hardworking young man , for his honesty an sincerity and devotion of hard
working he was not become the only shareholder of this business also he
become the president of that business .Habib Esmail has four children his name
was Ahmad Habib, Muhammad Ali Habib, Ghulam Ali Habib and the last is
Daud Ali Habib. The children of the Habib Esmail after get the education he
was change the name of that company into the Habib & Sons Lmited. After the
death of the Habib Esmail in 1928 the third son of the Habib Esmail hold that
company his name was the Muhammad Ali Habbib , He become the successful
business man and give the lot development in that company . In 1941 the family
business of the Habib & sons establish in the Bomby the first branch was opened
and also called the name of the financial institution from to steel business .In
the branch of the Habib & Sons the Quaid-e-Azam was the first person who
opened his personal account in this branch first time. At the time of
commencement. HBL was start with the paid up capital 2.5 millions. Quaid-e-
Azam was also impressed with the banking performance of the HBL and request
that the headquarter of HBL to shift into the Karachi.

2.2 Nature of the Habib Bank Limited:

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Habib Bank Limited is a banking company incorporated in Pakistan and related in
commercial banking services. The Bank’s ordinary shares are listed on all the stock
exchanges in Pakistan whereas it’s Global Depository Receipts (GDRs) representing
two ordinary shares are traded on the International Order Book (IOB) system of the
London Stock Exchange.
The Bank operates in four business segments:
1. Corporate finance
2. Trading and sales
3. Retail and consumer banking
4. Commercial banking

 Corporate Finance
Corporate finance includes underwriting, securitization, investment banking,
syndications, initial public offerings (IPO) related activities (excluding investments)
and secondary private placements.

 Trading & Sales

Trading & sales segment includes fixed income, equity, foreign
exchange commodities, lending’s to financial institutions and brokerage
debt.

 Retail & Consumer Banking

Retail & consumer banking includes retail lending and deposits, banking services,
private lending and deposits, banking services and retail offered to its retail customers
and small and medium enterprises.

 Commercial Banking
Commercial banking segment includes project finance, export finance, trade finance,
leasing, lending, guarantees and bills of exchange relating to its corporate customers.

Mission, Vision &value of the Habib Bank Limited:

Page 2 of 34
  Mission:

To be observe that as the particular famous financial institution in Pakistan and

productive international bank in the developed market and give the customer new
product and services and profitable values to our shareholders, customers , and
employees.
 Vision:
the vision of the HBL is that the provide the new productive and advance
facility to the customer .

 Habib Bank limited Values:

Habib Bank limited are some basic values and these values are followings.

 Humanity :
We boost up a culture of collective / communal respect and treat with the customer and
all team members with humanity and care.

 Integrity
Integrity also the value of the HBL . Integrity means the synergy and
collective team in one to achieve the goals. HBL focus on the integrity.

 Meritocracy
Meritocracy is also the Value of the HBL , HBL create the meritocracy and
same system of the Human resource practices on the basis of the achievement
of the goals.
 Team Work:
In HBL all employees work as a team member and provide the services to the
customer according to their need and demand and HBL also focus on the
collective goal achievement .
 Culture of Innovation :

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 HBL focus on the new ideas and gave the reward and honor as a recognition to
that person which was the source of help to change in the idea. After the
separation of the India and Pakistan here are many branches was opened in
Pakistan . HBL help the build and completion of the different projects like
WARSAK dam , and WAPDA project.

2.3 Competitors of Habib Bank limited:

The competitors of HBL are :
 National Bank Limited
 United Bank Limited
 Muslim Commercial Bank
 Allied Bank
 Standard Character
 Bank Alfalah

2.4 Sponsors of Habib Bank Limited:

The following two are the main sponsors of Habib Bank Limited.
1- Agha Khan Group the big sponsor of Habib Bank limited with the grater
share like 51%
2- Government and general public with 49%

2.5 Awards and Achievement of Habib Bank Limited:

The awards and achievement of Habib bank limited are following:

 In 2008 Habib bank limited get the award of best bank in Pakistan.
 In 2008 Habib bank limited also get the most innovative market award.
 In 2009 the Habib bank limited get the award of “the best emerging market bank
in Pakistan”.
 In 2009 the Habib bank limited get the award of the among top 500 global
financial brands.
1n 2009 the Habib bank limited get the 2 awards first is best bank award and
the second is trade finance provider. These award are the recognition of the

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 Habib Bank limited. These achievement of HBL bank got through the provide
the good product and services in the market where operate it

2.6 Business Volume of the Habib bank limited:

2013 2014 2015
Rs: in millions Rs : in millions Rs : in millions
Paid up capital 6383 6911 7602
Shareholder equity 52245 61975 69180
Gross Advance 272847 269722 274144
Investment 96632 167134 213061
Deposits 330182 360765 431372
Total assets 443616 509224 567553
Fund base income 28483 35779 36834
Profit after tax 21868 23155 26253
Per branch
performance dross 257.4 249.51 242.18
advance
Per branch
performance 311.49 340.05 381.07
deposits.
liabilities 439484 488349 499467
Operating expense 12462 13160 14254
Operating activities 78148 70369 6736
Investing activities 58701 48123 8568
Financing activity 64123 63654 61345

2.7 Products of the Habib Bank Limited:

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The products are the Habib Bank Limited are followings:
2.91- Savings accounts.
2.92- Current accounts
2.93 Foreign Currency
2.94 Terms accounts

2.91 Saving Accounts :

Saving accounts includes the following accounts :

 HBL Value account
 Profit &loss accounts
 Daily Munafa Account

 HBL Value Accounts:

It includes :
o In this account 7.50% profit per annual
o In this account Deposit limit from Rs. 10,000 to Rs. 1,000,000
o HBL value account provide HBL Debit Card & Chequebook
facilities
o In this account Profit calculated on monthly basis
o Profit & loss Accounts:
PLS Saving accounts include the following:
o In this account 6.09% profit per annual base
o In profit & loss account Profit paid bi-annually
o HBL Debit Card
o In this account provide the Inter Branch Transaction System
facilities
o In this account Funds transfer to any bank through HBL
Phone Banking
o In profit &loss account no minimum balance required
o Profit and loss account provide the facility of unlimited
transactions

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 o Daily Munafa Account:
Daily Munafa Accounts includes the followings ;
o In this Profit calculated daily base and paid every month
o Daily munafa account is Special account for earn foreign
remittances
o In daily munafa account 6.17% profit annual
o In this account Profit paid on month base
o In this account required theMinimum balance of Rs. 20,000
2.92 -Current Accounts:
Current account includes the following accounts:
o HBL freedom Accounts
o HBL business value Accounts
o Current account
o Basic Banking Accounts.
o
o HBL Freedom Account:
HBL freedom account include the following :
HBL Freedom Account decrease the cost of inter-city transactions by
allowing free transactions using financial instrument such as pay orders,
cheques and fund transfers.
o HBL business Value account:
HBL business value account include the following :
o This account is Unique transactional for Businessmen
o In this Profit calculated on daily basis but paid every quarter
o In this account no requirement of minimum balance.
o In this account Funds transfer to any bank using the HBL
Phone Banking.
o Current Account:
HBL current account include the following :
o Rs 1000 is the Initial balance requirement for the current
account.
o Rs 10000 is the minimum balance requirement for the current
account .

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 o In current account Profit cannot be calculated.
o Basic Banking Account:
Basic banking accounts includes the followings :
o Rs 1000 is the Initial balance requirement for basic banking
account.
o In this account no minimum balance requirement.
o In this account Profit cannot be calculated.
o In this account unlimited withdrawals through
2.9.3 Terms Accounts:
In term deposit account we can deposit your money for fix period of time and
earn profit of this secure money .
o HBL Advance Account
o Investment Plus Deposit
o Investment Banking
o Cash Management

2.8 HBL Advance account:

o HBL advance account give the profit for deposited amount

for period 1 Year to 7.50%
o 3 Year time period to 7.43%
o 5 Year time period to 7.15%
o 10 Year time period to 8.20%
o HBL advance account provide the Loan facility up to 90% of
investment
o Minimum investment required for this account of PRs.
25,000
o In this account we Withdrawal the amount at end of fixed
term

2.8.1 Investment plus deposits:

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 o Investment plus deposit account for Institutions
o In investment and deposit account Profit paid at maturity
o the Minimum investment of this account of PRs. 20
million**
o In this account Withdrawal at end of fixed term

2.8.2 Investment Banking:

The Investment Banking Group perform the function in the three
important business sectors: Project Finance, Debt Capital Markets &
Syndications and Equity ,Capital Markets & Advisory.

2.8.3 Cash Management

HBL provide the different floor for customers to get Cash
Management Services all over the Pakistan. include the followings :
3 Cash management benefit to Centralized Collections / Funds Transfer
4 It provide the benefit of Centralized Payments
5 It provide the benefit of IT/Operations
6 Through cash management Easy Collect the product
7 Through cash management product Standing Instruction via Debit Authority
(SIDA)
8 Through cash management Outward Bills for Collection (OBC)
9 Payment of Salaries / Expenses
10 Through cash management Online Cheque Payments (Vendor Payments)
11 Utility Bill Payments

2.11 Other Products of Habib Bank limited :

o Car loans
o Home loans
o Personal loans
o Bancassurance
 Car Loans :

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 HBL help to get the car by simple process through the good remarkable sevices
car loans include the different features,
o On the basis of your choice which you will get the car local or imported
o Depend on the payment length up to 7 years
o Up to the 85%of financing for the car which you are get from loan
 Home loan :
HBL provide the facility of the home loan through this loan you can purchase
the new house or repair the existing house .home loans.
 Personal loans :
Habib bank limited provide the facility of the personal loans to its customer we
can get the cash in the form of the cash through habib bank limited according to
their need .personal loan include the following features.
o Processing fee for the approval of the loan
o Payment process within the 12 to 60 months
o The amount of the loan is 25000 to 2000000
o Personal loans are free life insurance

 Bancassurance:
Habib bank limited and new jubilee life insurance company introduce the
bancassurance it include the Amaan (retirement plan ) and Tabeer ( marriage
and education plan) in retirement pension plan HBL provide the facility for
growth by the post retirement income benefit. On the other hand tabeer is the
plan in which HBL provide the facility to the parents to the child and give the
lump sum amount for the purpose of the education and marriage for the period

2.12 Services of the Habib Bank Limited:

Abib bank limited provide the different services to his customer
according to their need these services are followings.
o ATM
o Internet Banking

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 o Mobile Banking
o Phone banking
o Debit card
o Credit card
2.12.1 ATM
HBL provide the service of the ATM .its include the following.
o Cash withdrawl
o Information of the account inquiry
o It is a mini statement
o Funds transfer
o Utility bill payment
2.12.2 Internet Banking:
HBL provide the sevices of the internet banking it includes the following,
o Funds transfer
o HBL credit card bill payment
o Cheque book request
o Utility bills payment.

2.12.3 Mobile Banking:

Habib bank limited provide the services of the mobile banking it include the
followings;
o Funds transfer services
o Through mobile banking payment of the utility bills
o Credit card balance service provide
o Credit card statement services
2.12.4 Phone Banking:
HBL provide the services of the phone banking it include the folllowings.
o Balance inquiry
o Account information
o Credit card activation
2.12.5 Debit Cards:
HBL provide the services of ATM can b usable from HBL debit card. and it
is up to 15% famous in restaurants.

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2.12.6 Credit Cards:
HBL provide the services of the golden cards and green cards. Minimum
amount of the golden cards is 15000 and maximum amount is 50000. In green
credit cars minimum amount is 20000 and maximum is 149000.

3. Organizational Structure of the Habib Bank Limited

3.1 Main Offices:

Head Office:
HBL Plaza
1.1 Chandigarh Road
Karachi -75650, Pakistan
Phone: 021-32418000 (50 lines)
Fax: 021-39217511
Registered Office:
4th Floor, Habib Bank Tower
Jinnah Avenue Islamabad, Pakistan
Phone: 051-2872203 & 051-2821183
Fax: 051-2872205
National Tax Number: 0698187-

3.2 Branches of the Habib Bank limited:

Habib bank limited has more than 1700 branches at domestic level. 55 branches in 26
foreign branches
it includes the,USA, UAE, Pakistan, India, Afghanistan, Iran, Nigeria, China

,UK, HongKong, Labnon, Bahrin, Keynea, Nepal

National Branches:

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City Name Branch Name
Attock City Branch
Bhakkar Main Branch
Bhalwal Liaqat Shaheed Road Branch
Chakwal Railway Road Branch
Chiniot Circular Road Branch
Faisalabad Circular Road Branch
Samanabad Road Branch
Narwala Road Branch
Gujranwala Gondlanwala Road
College Road
Khokharke Khiali Shahpur
Qilla Didar Singh

Gilgit Main Branch

Gojra Railway Road Branch
Gojar Khan G.T. Road, Branch
Gujrat Circular Road Branch
Hafizabad Main Branch
Islamabad Board of Intermediate and Sec.
Education Branch
Jaranwala Grain Market Branch
Jauharabad Main Branch
Jhang Saddar Shaheed Road Branch
Jhelum Ram Din Bazar Branch
Kamaliya Railway Road Branch
Kasur Railway Road Branch
Mandi Baha ud Din Main Branch
Faisalabad Circular Road Branch
Mianwali Zaka Centre Branch
Okara Mandi Road, Branch
Pattoki Pattoki Branch
Pind Dadan Khan Main Branch
Rabwah Main Branch

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Rawalpindi Raja Bazar Branch
Faiz Abad Branch
Sialkot City Branch
Samundri Ghalla Mandi Branch
Sargodha Fatima Jinnah Road Branch
Sheikhupura Railway Road Branch
Skardu Main Branch
Toba Tek Singh Main Branch
Wah Cantt Wah Cantt Branch
Wazirabad Main Bazar Branch

3.3 Total staff Strength of the Habib Bank Limited:

The total staff strength of the Habib Bank limited are 2300 working in this bank
apply to non-core activities add the security, transport and other manual work.

3.4 Domestic Operation of HBL :

RGB Group Executive

Regional Office

Zonal Offices

Branches

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3.5 Organizational Structure of the Habib Bank Limited:

HBL Organizational Hierarchy;

Chairman

Board of Directors

Senior Executive Vice

President

Executive Vice President

Vice President

Assistant Vice President

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3.6 Board of Directors of the Habib Bank Limited:
Name Designation
Sultan Ali Allan Chairman
Zakir Mahmood President and CEO
Iain Donald Cheyne Director
Sajid Zahid Director
Ahmad Jawad Director
Mushtaq Malik Director

3.7 Management Team of the Habib Bank Limited:

Name Designation Functional responsibilities

Sultan Ali Allana Chairman

R.Zakir Mahmood President and CEO

Sima Kamil Group Executive Corporatre Banking

Ayaz Ahmed Chief financial officer

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 Zafar Aziz Usmani Group executive Human resource and
organizational development

Jamil Iqbal Chief compliance officer

Salim Almani Group Executive Audit

Tulu Islam Group Executive IT and Systems

Kashif Shah Group Executive Investment Banking

Nausheen Ahmad Comapany secretary and head

of law

Sohail Malik Group Executive Risk Management

Nauman K.Dar Group Executive International Banking and

CEO, Habib allied
International Bank Plc., UK.

Abid Sattar Group Executive Retail and consumer banking

Muddarssir H.Khan Group Executive Global Operation

Faizan Mitha Group Executive Global Treasury

Aslam Gadit Group Executive Asset remedial management

Mirza Saleem Baig Group Executive Commercial Banking

Jamil A.Khan Group Executive Administration and Services

Aly Mustansir Head of Marketing and Brand

Management

3.8 Department of the Habib Bank Limited:

The department of the Habib bank Limited are followings:

3.8.1 Clearing Department

3.8.2 Account Opening Department
3.8.3 Credit Department

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3.8.4 Remittance Department
3.8.5 Cash Department
3.8.1 -Clearing Department:
Clearing department is most very important, because in this department
sometimes cheques are drawn on one bank and holder deposits the cheque
the same in other bank for the purpose of the collect of the amount clearing
means the deal of the transaction between the banks.in the clearing house
different functions are performed in this department
Inword clearing :
In inword clearing the cheque is drawn in one bank to other bank and the
customer in this process just receive the amount.
Outword Clearing:
In outword clearing the cheque is send to the clearing house for the clearing and in this
deparment the amount is fixed payment to the bank on the behalf of its customer.in this
clearing proper schedule are prepare and attach the pay in slip as a separate document.

2- Account Opening Department:

Account opening department is the primary relationship between the bank and
customer. There are different types of the bank such as saving account , current account
, deposit account , basic banking account , profit and loss account , partnership account
,joint stock business account etc. Most of the people deposit their money into bank and
get the profit from bank for future savings these profit which the people earn in the
form of profit is called interest. Most of the people open the current account and fixed
deposit account, saving account. For the purpose of the opening any type of account to
fulfill the some requirement and these requirements are followings.
o One photocopy of the national identity card of the both customer and introducer.
o Original identity card for the purpose of the confirmation.
o Account opening for student the photocopy of the student card are required.
o If the account opening for the employees of the government, required the
appointment letter must.
o If the account open is customer must required The 3 Snapes if customer apply
the thumb impression.

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 o At the time of the account opening it is necessary that the customer is present
there.
o 1000-5000 amount is required for the account opening and this amount is
depend upon on the nature of the account.
There are some formalities which is required for the account opening.
o Formal application .
o Obtaining introduction
o Signature specimen
o Minimum initial deposits.
After opening an account the cheque books or ATM’s issued to the customers
3.8.3 Credit Department:

1. Credit department is the most department in the banking sector because the
main purpose of the bank is to collect the money to the wealthy people and
further get these money in the form of the loan to the needy people as high
interest rate, basically the credit is the major factor of the bank earning ,The
major function of this department to minimize the risk for the bank by using the
credit policy . The credit department when the give to the loan to the other then
he keep in mind of the characteristic of the risk First he check out the character
of that person investigate the all relevant information collect about that person.,
second that the collateral of that person which is give as a security on the behalf
of the loan , Third the check the capacity of the borrower asset and liabilities
who repay the loan or not , fourth check out the financing and economic
condition of that person which is effect the loan repay or not.Further the HBL
provide the advance loan to its customer it includes the Over Draft, Cash Credit,
Demand Loans, Agriculture financing , Staff Financing

3.8.4 Cash department:

Cash department basically perform the function of the cash received and
payment cash department receive the money from the customer and further
pay the money to the customer through the cheques.The cash department
provide the facility of the cheque book to the custom the to withdraw
amount from bank This department maintains the following sheets, books,
ledger of accounts.,Cash received voucher sheet, Cash paid voucher sheet.,
Paying-in-slip, Cheque Book, Cash balance book

Page 19 of 34
.3.8.5 Remittance Department:

Remittance department perform the function of the transferring of the funds

from one bank to another and from one person to another person, there are different
procedure of the transferring the funds
 Demand Draft
 Mail Transfer
 Telegraphic Transfer
 Pay Slip

 Demand Draft:
branch requiring and pay the some specific amount of that person who
Demand draft is the draft which is use to sent the money from one place
to another place is called demand draft , in which the one branch is
issuing the draft of the other send the draft.
 Pay order:
Pay order also the source of the transfer of the money from one place to
another.in pay order money is transfer with in the city .
 Mail Transfer
Mail transfer is also the source of the money transferring , by using of
the mail transferring the customer fill up the form and dispatch the
money with form the bank also get the money as commission and send
the money to other.
 Telegraphic
Telegraphic is also the source of the money transfer . In telegraphic money is transfer
by the telefax the customer also fill the form and give the detail of the place then the
bank get the charges and sent the money.

3.9 Accounting System of the Habib Bank Limited;

The accounting system of the Habib bank limited is followings;

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Maintain Balance inquire, Product inquire, Transaction history, Statement requests,
Cheque book request, Stop payment, Pay order / DD request, Balance certificate, Fund
transfers , A/ C maintains, Verification / generation / change of TPIN numbers, Utility
bill payments.
Habib bank limited branch, recorded the all transections which is done by daily,
weekly, monthly basis and maintain the proper record of each transection The following
are the important statements prepared by the account section: -
• Balance sheet on daily basis.
• Pak account on daily basis.
• Provisional income and expenditure statement on monthly basis

3.10 Finance System of the Habib Bank Limited:

The finance system of the HBL is followings;
Demand finance, Fixed assets financing (FAF), House Finance, Running finance, Cash
Finance, Musharika Financing, LMM Finance (Local Manufactured Machinery), Hire
Purchase Financing, Bridge finance.

Page 21 of 34
.10.1 Finance Department Hierarchy:

Page 22 of 34
 Introduction of the Habib Bank Limited:
(Pakistan chowk branch Gujrat)
I Worked as internee for six week at Habib Bank Limited pakistan chowk branch
Gujrat. This branch of bank is cover the all area which is near to the Jail Chowk ,
Kashmir Pura , Jalalpur Jattan road , Bhimber Road .

 No of Accounts in this Branch:

Types of account Numbers.
o Saving account 1834
o Current account 905
o Term deposit Account 30
o Total 2769

 Lockers of this Branch :

o Extra large 0
o Large 20
o Medium 80
o Small 80
o Total 100

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5-HBL Pakistan chowk branch Structure:

Branch Manager:
Shabir Hussain Shah

Operation Manager:
Muhammad Usman

Personal Operations: Services:

bankers:
Sufi imran (TSO)
Muhammad
Sajidm alik
Madam naila (GBO) Nouman
Madam nosheen
Sir sarfraz (Chief teller)

Page 24 of 34
5.1WORK DONE BY ME:

.Shabir Hussain Shah is the branch manager of the Habib Bank Limited Pakistan chowk
,Branch Gujrat. Operation Manager Muhammad usman is the supervisor during of my
internship period. Muhammad usman operation manager guide me each and every think
about the bank which is become the source for me in internship. examine that during
the internship period of six week when the branch manager is not present in the bank
then the operation manager hold the full control of the bank .

5.2 Detail of the Supervisor:

Name of
Supervisor: Rank: Qualification Age
Shabbir Hussain Branch manager MSC Economics
Shah 36 year
Muhammad Operation Manager B.com Hons 25 years
Usman
Muhammad Faisal Manager Teller M.com 23 year
Kamran Ali Cash officer BS I.T 26 year
Muhammad Imran Credit manager BBA Hons 28 year
Waqas Nadeem RBO MBA finance 28 years

5.3 Weekly Time Table:

As a internee I am go to the Habib Bank Limited Pakistan chowk branch Gujrat, From
9: 00 AM to 2:00 PM. In this branch I observe that mostly rush in bank during the time
period of the 10:am to 1:00 pm . customer are coming in the bank for the purpose of
the utility bills pay and withdraw the money from bank.

Page 25 of 34
5.4 Weekly Timetable:

Time
period: Timing: Working: Supervisor: Duties
Performed:
Week 9:00AM Account Waqas When I enter
1and 2 to 2:00PM Opening : Nadeem the HBL bank
for internship
then I am
spent the first
2 week to
Learn about
account
opening .
Week 3 9:00AM Filling the Waqas During the
to 2:00PM deposited Nadeem internship of
slip week 3 I
learned about
the filling the
deposit slips
filling process
and process
the deposit the
money into
the bank.
Week 4 9:00AM Filling the Kamran Ali: During the 4
to 2:00PM Cheques week of the
internship I
am lean about
the process of

Page 26 of 34
 the cheques
fillings,it
include the
name of the
account
holder, date of
the presented
day and sign
one sign at the
bottomand the
2 sign at the
back side of
the cheques.
Week 5 9:00AM ATM card Muhammad During the
to 2:00PM issuing Faisal: internship of
process: the 5 week I
am learn about
the ATM card,
process of
ATM card
issuance to
cutomer ,it
include the
filling forms
,activation and
charges which
is cut again
this card.

Page 27 of 34
 Week 6 9:00AM Verify the Muhammad During the last
to 2:00PM document Usman week of my
internship the
operation
manger allot
the work to
verify the
document of
the earlier
open account
of any type
like utility
bills . my
work is that I
am verify the
stamp of the
staff of that
accounts .

6-Ratio Analysis of the Habib Bank Limited:

(2014,2015,2016)
 Current Ratio:
= Current asset /current liability
2013 2014 2015
Current ratio 1.09 1.09 1.10

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 The current ratio of the HBL for the year 2013,2014and 2015 is show the
increasing trend because the amount of the current asset is increase to pay the liabilities
each year.

 Quick Ratio:
= current asset – inventories/ current liabilities
2013 2014 2015
Quick ratio 1.09 1.09 1.10

The quick ration of the Habib bank limited for the year 2013, 2014and 2015 is
show the good performance of the bank because each year increase the current
asset to pay the current liabilities.

 Debt Ratio:
=total liabilities /total assets *100

2013 2014 2015

Debt ratio 91.05% 90.03% 85.53%

The debt ratio of the Habib Bank limited company for the year 2013,2014,and
2015is show the decreasing trend because year the HBL bank has more total
asset to pay the debt.
 Net profit margin ratio:

=Net Income / Revenues

2013 2014 2015

Net profit 27.70% 32.38%% 32.14%
margin ratio

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The net profit margin rartio represent that how company earned the profit until the
revenue the net profit margin of the HBL is show the good performance of the bank
and show the increasing trend .

 Return on Asset:
=(Net Profit /total assets)*100
2013 2014 2015
Return on asset 1.46% 1.76%% 1.91%
ratio

Return on asset ratio provide the help to how management is using its assets to
generate earnings. The return on asset ratio of the HBL bank is show the decreasing
trend for each year yhis is the indication that the earing of the babk is low and the debt
of the bank is high.so this situation is not good for bank.

 Return on Equity Ratio:

=(Profit after tax/equity)*100
2014 2015 2016
Return on 22.912 25-303 24.130
equity ratio

Return on equity ratio shows that how much profit a company

generates with the shareholders money which they are invested. This
ratio is show that the increasing trend for the year 2013,2014,and 2015
. this ratio is the indication that the positive impact on the performance
of the HBL because in this bank shareholder invest more each year.

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 LLiquidity /solvency ratios;

Working capital = current assets- current liabilities

2013 2014 2015

Liquidity 2003.96 2878.40 3041.82
/solvency ratio

Working capital management is important for the firm’s ability to meet

short term liabilities. the working capital of the Habib bank limited is
showing the increasing trend for the every year as compare to the
previous year and this is this indication of the good performance of the
bank.

 Earning per share ratio:

Profit after tax/No. of ordinary shares
L
2013 2014 2015
Earning per 60.66 62.48 61.91
share ratio

Earning per share is the indication of the worth of the share of the bank
.it is very important for the investor point of view because this ratio tell
us the earing of the investor per share of the bank .The earing per ratio
of HBL show the increasing trend in 2014 as compare the 20013 and in
2015 show the decreasing trend as compare to the previous year.

 Price to Earing ratio:

= Market value of share/EPS
2013 2014 2015
Price to earning 5.16 9.8 10.3
ratio

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The price to earning ratio is the indication of the how much price we will pay and how
much price earn against the paid of amount . if the price ratio is higher then the market
share of the company is higher. The price earning ratio of the HBL bank is show the
increasing trend each year as compare to the previous year.
7- During my internship I dealt with many customers and employees,
this was a great experience to learn.

II. How to deal with customers

III. How to work under pressure i.e in rush hours.
IV. How to manage an office.
V. My communication skills were improved.
VI. I observed some signs of mismanagement which I think can be removed if
branch manager take more responsibility.
VII. I observed the practical application of many accounting concepts.

Swot Analysis of this Branch:

SWOT analysis of the HBL Bank and my findings are here under explained.
Strength:
 The big strength of this branch , It include in the more branches in the
Pakistan domestic and international level .
 HBL Pakistan Chowk branch is consider the other all 7 branches in the
area of the Gujrat.
 HBL play a important role in the market because HBL ful, lfil the
customer need and Demand properly.
 The deposit of the HBL is more than the other branches.
 HBL use the new advancement technology in different departments like
remittance section and accounting section.

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  Good mangment is the Strength of the HBL
 Product innovation & resources.
 Good private bank in the Gujrat.
 Pakistan chowk branch hire the well experience employees.
 Provide the ATM services.
 Good Relation the manager with employee of the Pakistan chowk
branch.
Weakness:
 The HBL chowk Pakistan branch ,the deposit is less because there are
already 6to7 branches in Gujrat.
 Less customer feedback due to the branches are more in the Gujrat city.
 In Chowk Pakistan branch the employees are not satisfy by this job.
 In this branch female employee are not worked .
 Online banking system is not available because it is not the main branch.
 No proper marketing skills available in this branch.
 Lack of proper research & development in this branch.
 The management of this branch not proper use the i.t facilities properly.
Opportunities:
 The opportunity of this branch to introduce the new product in this
business.
 The Pakistan chowk branch got the opportunity to take interest in the
market segment.
 Opportunity that to increase the banking hour to facilitate the customer.
 Improve the online system and minimize the risk .
 Increasing the ATM locations.
Threats:
 Day by day increasing in the number of the branches of banks in the
area of Gujrat.
 Political intability of the Gujrat city.
 Lack of technology

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  Increase the competition due to existing the more branches in the
Gujrat.

Conclusion:
HBL was establish in 1941 in Bomby at first time . At the time of the
independence the condition of the banking sector is very poor and no proper financial
institution in sub-continent . In 1941 the branch of the HBL was opened in India first
branch. Quaid-e-Azam was the first person who opened his personal account in this
bank , After that the HBL perform the banking activities in India . HBL perform the
banking operation speedily and become the goof financial institution in the
subcontinent.
Quaid-e-Azam was also impressed with the banking activities of the HBL and request
that the shift the head quarter of the HBL from Bomby to Karachi. So HBL perform the
banking activities in Karachi in Pakistan .In1974 HBL become the nationalized the
commercial bank and perform the banking activities at international level and its
branches operates at national and domestic level. There are almost 1420 branches of
HBL operate in domestic level and 55 branches operates at national level . Throughout
the HBL start the credit policy and giving the loans to the customer .HBL provide the
loan for the completion of the projects of the Pakistan like WARSAK &WAPDA. And
HBL provide the services to its customer like ATM ,online banking etc.

Recommendations:
 HBL Pakistan chowk branch need to improve your marketing plans for the
awareness of the customer.in Gujrat.
 HBL chowk Pakistan branch try to enhance the increase the online facility .
 HBL need to try the good and strong relationship with customer by getting the
feedback.
 Pakitan chowk branch need to improve the dressing style of all employees.
 Increase the employee motivation.


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