1. In the Name of
Allah
The Most Beneficent,
The Merciful

2. Presented By
 Jaffar Tayyar 48
 Syed Ali Kamran 50
 S.Hussain Zainulabideen 85
 Yasir Aslam 88
 Mirza Ali Raza 90

3. .

4. Our Topic

5. BANK DEFINITION:
"Banks are institution that enjoys the
public money doing nothing for the
public".
Banker
Banker includes a body of person whether
incorporated or not who carry on business of banking

6. Customer
Customer is defined as one who has account
with the bank, the word customer signifies a
relationship in which duration is not of the
essence

7. History of Banking
Authorities hold the opinion that the word bank is
derived from the German word “Back” which
means joint stock fund. Later on, when the
Germans occupied major part of Italy, the word
“Back” was Italianize into “Bank”
It is, therefore not possible to decide as to which
of the opinion is correct, for no record is available
to ascertain the validity of any of the opinions.

8. History of Banking in Pakistan
At the time of independence, there were 487 offices of
scheduled banks in the territories now constituting
Pakistan. Following the announcement of independence
Plan in June 1947, the Hindus residing in the territories
now comprising Pakistan started transfer their assets to
India. Moreover, the banks including those having their
registered offices in Pakistan, transferred them to India
in order to bring

9. OUR BANKING SYSTEM
TODAY
The Banking Business as we know it today is composed
of three separate and distinct principal functions.
1- The acquiring of funds to invest and loan.
2-The investing of such funds in loans and bonds.
3-The servicing of such funds, such as providing of
checking/saving facilities, and the collection of draft,
notes and checks.
.

10. INTRODUCTION TO HABIB
BANK LIMITED
On 25th of August 1941, Habib Bank inaugurated its
operations with the bank’s first branch in Bombay. In
1947 Karachi saw its first commercial bank of the newly
formed Islamic Republic of Pakistan, when the bank
shifted its head office there. Throughout the decades,
HBL has held the mantle of a dynamic leader, by adding
value to the live of its customers

11. Habbib Bank Objectives
Habbib bank has following objectives:
4)Main objective of Habbib bank is to earn profit.
2)To provide services to their customers and
assistance in the development of commerce and
trade.
Habbib bank also has another responsibility to give
service to their communities. It watches the growth
and development of his community especially the
commerce and business of the area.

12. Our Mission
To be recognized as the leading financial institution of
Pakistan and a dynamic international bank in the
emerging markets, providing our customers with a
premium set of innovative products and services, and
granting superior value to our stakeholders –
shareholders, customers and employees.

13. Types of account
The main types of account are:
1) CD account (current deposit
account).
2) PLS account (profit loss saving
account).
3) Fixed term deposit account .
i) Short term.
ii) Long term
4) Joint account.

14. Detail of accounts
1. CD account
i)Minimum & Maximum
Balance.
ii) Purpose.

15. iii) For withdrew
money:
How to open a CD account
opening:
i) A form filled.
ii) Three photos required.
iii) Attach the copy of NIC card
iv)Attest the any Account holder HBL

18. Signature verification
card.

19. DEPOSIT SLIP

20. 2)PLS Saving Account:
i) Minimum & Maximum
Balance.
ii) Withdrawals.

21. How to open PLS
Account?
i) To fill the form of PLS account
which given by the Bank
ii) Attach the copy of NIC
card.
iii) Three photo required.
iv) Attest the any Account
holder HBL.

24. Signature
verification card.

25. DEPOSIT SLIP

26. 3)Fixed Deposits
i)short term deposits
ii)long term deposits

27. 4)Joint account
Procedure:
1) To fill the form of account which given by the
Bank.
2) Photos copy of NIC.
3) Attest the any Account holder HBL.
4) Signatures of two OR more person.

28. 1) DEMAND DRAFT(DD):
2)TELEGRAPHIC
TRANSFER(TT):

31. Types of loans
 Cash Finance
 Demand Finance
 Demand Finance to Staff
 Finance Against Local Manufactured
Machinery
 Housing Finance
 Agricultural Finance
 Finance for Government Operations

32. 1)RUNNING FINANCE
 Purpose
 SECURITY
1)CASH FINANCE
 PURPOSE
 SECURITY
 PERIOD

33. 3. DEMAND FINANCE
 PURPOSE
 SECURITY
 PERIOD

34. 4. DEMAND FINANCE TO
STAFF
 PURPOSE
 SECURITY
 PERIOD

35. 5)FINANCE AGAINST LOCALLY
MANUFACTURED MACHINERY:
 PURPOSE
 SECURITY
 PERIOD

36. 6.HOUSING FINANCE
 PURPOSE
 SECURITY
 LIMIT
 PERIOD

37. 7. AGRICULTURAL FINANCE
 PURPOSE
 LIMIT
 PERIOD

38. 08. FINANCE FOR
GOVERNMENT
COMMODITIES OPERATIONS

39. PRODUCTS AND SERVICES
OF HBL
 HAJ SERVICES
 LOCKER FACILITY
Types of lockers:
There are four types of lockers:
 Small (Yearly Rent is RS.1000)
 Medium (Yearly Rent is RS.1500)
 Large( Yearly Rent is RS.2500)
 Extra large (Yearly Rent is RS.3000)
1)SECURITY

40. Online banking
 Atm card:
 Value visa debit card

43. TRAVELER CHEQUES
 REQUIREMENT
 VERIFICATION
UTILITY SERVICES

44. INCOME HEAD OF CANTT
BRANCH
Profit on the sale of assets
 Services charges
 Rent received on Lockers
 Postage charges recovered
 Account maintaining charges
 Markup on Demand Finance
 Markup on Running Finance
 Markup on Cash finance
 Commission on TT/ DD

45. EXPENDITURES CANTT
BRANCH
 Profit paid on PLS Account
 Interest on PAK Account
 Education exp.
 Medical exp.
 Entertainment exp.
 Rent paid.
 Postage exp.
 Stationary exp.
 Depreciation on computer& Tele Equipment, furniture
 Paid Bill of electricity/Gas/Telephone

46. STRENGTHS
 It has great number of branches in
Pakistan.
 HBL was the first bank who first
introduced ATM card in Pakistan.
 Advertisement of HBL is very good as of
other banks.
 Out look of the HBL branches is very
attractive to the people.

47. WEAKNESSES
 Some employees are low educated
 No entertainment facilities are available in
the Bank when customer goes to the Bank
and wait for a longer time. These facilities
can be the newspaper, magazines, etc.

48. Suggestions &
Recommendations
 If HBL reduce their interest rate then they
can attract more customers .
 All branches must be online.
 Installation of ATM machines at all its
branches, as it will help generate huge
revenue due to its high utility.
 When a prize is given to a branch on his
excellent performance it should be divided in
all employees of branch.
 They must increase their profit rate.