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Hbl Presentation Transcript

  • 1. INTRODUCTION TO HBL  HBL was established in Bombay in 1941  Established operations as the commercial bank in, Pakistan in 1947  First international branch was established in Colombo, Sri Lanka in 1951  It was the 1st Muslim bank of the sub continent  It was nationalized in 1974  It was privatized again in 2004
  • 2. INTRODUCTIN TO HBL (cont’d)  It is one of the largest banks of Pakistan  1466 branches inside country  112 overseas offices in 25 countries  AKFED acquired 51% of shares of HBL, against an investment of PKR 22.409 billion.  HBL awarded best bank of the year 2009
  • 3. Abdus Salam Enabling people to advance with confidence and success To make our customers prosper, our staff excel and create value for shareholder •Excellence • Integrity • Progressiveness •Meritocracy •Customer focus
  • 4. PRODUCTS Of HBL Different products are segmented by ages,needs,wants and customer’s satisfaction. These products are as follows: 1. DEPOSIT ACCOUNT  Current Account.  Foreign Currency Account  PLS Account  Term Deposit Account  HBL Freedom Account  HBL Business Value Account
  • 5. PRODUCTS Of HBL (cont’d)  HBL Advantage Account  HBL Value Account  Daily Munafa Account 2.HBL ID 3.Money Club 4.Personal Loan 5.HBL Easy Loan 6.Credit Card 7.Debit Card
  • 6. PRODUCTS Of HBL (cont’d) 8.HBL Car To Car 9.HBL Small Business Finance 10.HBL Easy Access 11.Internet Banking 12.Phone Banking 13.Mobile Banking 14.Prestige Banking
  • 7. PRODUCTS Of HBL (cont’d) 15.Housing Finance 16.Lifestyle OTHER PRODUCTS: 17.Dollar Traveler cheque 18.Deposit Growth Certificate 19.Special Five Years Certificate 20.Haj Accidental Scheme
  • 8. PRODUCTS Of HBL (cont’d) 21.Auto Cash Teller Cheque 22.Transport Finance Scheme 23.Haryali Farm Transport Scheme 25.Muhafiz Rupee Traveler Cheque 26.HBL I card As Your Debit Card 27.HBL Fast Transfer 28.SWIFT
  • 9.  TERM DEPOSIT ACCOUNT Term account is for meet your daily banking needs.  Account Opening Amount: No charges  Minimum Deposit: Rs.25,000  Maturity Rate: After 3months,6months,1year  Interest Rate: 7%, 7.50%, 10.25%  Features: • Free cheque books and ATM cards. • Free Account statements
  • 10. CURRENT ACCOUNT This type of account is made for the business current deposits to meet your daily banking needs.  Account Opening Amount: Rs.1,000  Minimum Deposit: Rs.5,000  Maturity Rate: NIL  Interest Rate: NIL  Features: • No profit and loss on this account
  • 11. FOREIGN CURRENCY ACCOUNT Offered in multiple currencies.  Account Opening Amount:1,000$, 1,800 €  Minimum Deposit: 1,000$ OR €  Interest Rate: min 0.1 and max 0.90  Features: • Loan up to 90%
  • 12. SAVING ACCOUNT HBL’s saving account cater to individual saving habits. After the Islamlization of banking system in the country it has given the name as PLS account.  Account Opening Amount: Rs.100  Minimum Deposit: Rs.20,000  Maturity Rate: NIL  Interest Rate: 5.06% annually
  • 13. HBL VALUE ACCOUNT Now don’t worry about sudden finances.  Account Opening Amount: No charge  Minimum Deposit: Rs.10,000  Maturity Rate: NIL  Interest Rate: 8% annually  Features:maddddoooooo  Moooomooooo  Shakoooorrrr  Mustakeemmm  Khubsurat  Shakeeerrraaa  Benazeerrrr
  • 14. HBL BUSINESS VALUE ACCOUNT Now for businesspersons there are different transactions account.  Account Opening Amount: NIL  Minimum Deposit: Rs.10,000  Maturity Rate: NIL  Interest Rate: NIL  Features:  Free duplicate account statements
  • 15. 2.HBL ID HBL ID is to attract the age group of 18-24.to learn them how to manage there finances, how to spend, how to save money etc so that the finally get there desire item. FEATURES:  Open an account with any amount and enjoy the flexibility of no minimum balance .  Saving buckets for 3 or 12 months. profit rate up to 9%  Free cheque book teen age.  Mobile Top-ups facility.
  • 16. 3.MONEY CLUB HBL offers money club younger saving account for age 6 to 7 years. FEATURES:  Open an account with any amount.  Attractive profit rate.  Free cheque book and debit card.  Welcome pack and gifts.  Savings rewards are given at monthly or annually bases.
  • 17. 4.PERSONAL LOAN With HBL personal loan, gain the freedom to use hard cash for all your needs. FEATURES:  Loan amount from Rs.25,000 to Rs.2,000,000.  Choice of 12,24,36,48,60 months for pay back.  Lowest mark-up.  Quick processing.  Mobile Top-ups facility.
  • 18. 5.HBL CREDIT CARD With HBL credit card, get more from life FEATURES  Online shopping facilities  Special discounts on using HBL credit card in various stores  Installment plans for generators, appliances, mobile handsets and more  Cash advances, balance transfer an
  • 19. 6.HBL DEBIT CARD With HBL Debit Card, enjoy 24/7 access to your HBL account where ever you are FEATURES  No need to carry cash  Maximum limit of transaction from ATM Card is Rs.25,000  Access to over 30 millions outlets and 1.4 million ATMs worldwide  No liability of lost/stolen card once HBL is notified  Statement generation via HBL ATMs, internet banking and branches
  • 20. 7.HBL CAR TO CAR With HBL car to car, upgrade your car frequently at half the monthly installment FEATURES  Installment 0% to 0% less than conventional financing  Free upgrade to a new car every 2years  Security via insurance and tracking system  Buy back guarantee
  • 21. 8.PHONE BANKING Call 111-111-425 for:  Banker’s cheque request.  Purchase mobile prepaid vouchers.  Balance enquiry.  Account information.  HBL debit card activation & de- activation.  HBL credit card activation & de- activation.  Stop cheque payment request. Babojeeee
  • 22. 9.MOBILE BANKING With HBL mobile banking you can access your account through your GPRS enabled mobile phone and perform important actions. FEATURES:  Utility bill payment.  Mobile postpaid bill payment and top-up facility only for Ufone and Warid customers.  Purchase mobile prepaid vouchers.  HBL credit card bill payment.  Maintain account settings.  Ufone customer’s can acess:mini statement, ufone postpaid bill payment, prepaid Uload etc
  • 23. 10.PRESTIGE BANKING Prestige banking is for old employees and customers having account in HBL. FEATURES:  Personalized services.  Free cheque book.  Free debit card with exceed limit.  Black color cheque book and ATM card.  Facilities in airport lounge.
  • 24. 11.HOUSING FINANCE Financing available for: • Purchase of house. • Home improvement and renovation. • Self construction. FEATURES:  Lowest mark-up, monthly installments.  5 years fixed rates.  Lowest processing charges.  Finance range is from 3-20 years.  Financing limit up-to RS.7.5million.  RS 30million for home improvement.  Quick processing.
  • 25. PRESENTED BY 1.USMAN 2.AYESHA 3.IZZA minariAbdus Salam 27