This document discusses employee turnover at HBL Bank. It defines employee turnover and describes different types. Voluntary turnover occurs when employees choose to leave, while involuntary is when employees are forced to leave. Functional turnover is the departure of low performers, while dysfunctional is the loss of high performers. The document examines reasons for leaving, factors affecting turnover, and provides a SWOT analysis of HBL's employee retention practices. It concludes with recommendations to improve HBL's human resource management.