Habib Bank (Hbl).

Term Report
On
Habib Bank Limited
Submitted To: Ms. Tayyaba Hussaini
Human Resource
Management
Habib Bank Limited
Group Members:
Mohsin H. Alqamari
(MEXN—230529)
Farzan Nazeer
(MEXN—230525)
Syed Ahmed Owais
(MEXN—230541)2007 - 2010 1Hamdard University Students - Batch 2010

Acknowledgement
First of all we are very much thankful to All Mighty Allah who gave
us health and ability to analyze and write this report. After that we
would like to thank our respected teacher Ms. Tayyaba Hussaini
who gave us this assignment, which provided wonderful
opportunities to learn and also opened a different dimension of
thinking.
HBL
thinking.
Last but not the least we would like to thank to human resource In
charge- RHQ Karachi Region North, Mr. Mumtaz Ali Zaidi, all staff
of HBL their tremendous support, patience and their semi-infinite
number of help that was more essential in the completion of this
report.
It is all about teamwork and coordination, that we have been able to
achieve our goal. Working professionally and effort from each.
2007 - 2010 2Hamdard University Students - Batch 2010

HBL
EXECUTIVE SUMMARY
The projects with in it self dynamic in nature that kept on changing time to time
and due to its dynamic nature it’s hard to justify any bank & their employees
behavior in the short period, from public to privatization time because to write
words on any bank & their employees about its behavior need a through study
of there people and environment.of there people and environment.
In it we focused on the bank response to its employee and the employee’s
attitude towards the bank. While gathering the information the HR – Policy,
Planning & Implementation Division is the valuable resource to understand
the bank & their employee’s patterns.
The material we have gathered through valuable resources is almost
authenticated towards the organization current scenario. In broadly specking
we have covered all the major functions of Human Resource Department of
HBL.

HBL
The Habib Bank is a leader in Pakistan’s services industry. An
extensive network of 1400 domestic branches – the largest in
Pakistan – and present in 25 countries across five continents.
This network has enabled HBL to provide comprehensive
services that meet customer needs. This has ensured thriving
client relationships that form the backbone of the Bank’s
operations.operations.
Today, HBL plays a central role in Pakistan’s financial and
economic development. It has come a long way from its
modest beginnings in Bombay in 1941 when it commenced
operations with a fixed capital of 25,000 rupees.

HBL
Impressed by its initial performance, Quaid-e-Azam Mohammed
Ali Jinnah asked the Bank to move its operations to Karachi
after the creation of Pakistan. HBL established itself in the
Quaid’s city in 1943 and became a symbol of pride and
progress for the people of Pakistan.
Habib Bank has been a pioneer in providing innovative banking
services. These have included the installation of the first
mainframe computer in Pakistan followed by the first ATM
and more recently, internet banking facilities in all our 1400
domestic branches. HBL was the first bank in Pakistan who
launched the credit card in Pakistan in 1960s.

HBL
The Bank’s towering presence in Pakistan’s financial and
commercial life has remained unchanged over the decades.
The strength of its brand and image is symbolized by its
prominent Head Office building that has dominated
Karachi’s skyline for more than 35 years.
They continue to build on our track record and in our questThey continue to build on our track record and in our quest
for excellence they strive to meet the needs of both our
customers and our employees. It was awarded THE BEST
BANK IN THE SUBCONTINENT – 2004 by Emerging
Markets Publication. At Habib Bank they aim to ensure
customer satisfaction by providing high quality banking
services. This is made possible by the professionalism of
our employees all of whom are provided with the requisite
training and opportunities to enable them to realize their
full potential.

HBL
Our brand identity is the outward expression of what they stand
for as an organization. This is summarized in our vision,
mission and is supported by our values.
VISION
“Enabling people to advance with confidence and success”
MISSIONMISSION
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
“To make our customers prosper, our staff excel and
create value for shareholders”

HBL
Values
Values are the fundamental principles that define HBL culture and are
brought to life in our attitudes and behavior. It is our values that make
us unique and unmistakable. Our values are.

HBL
Values
Our values are:
Excellence.
Integrity.Integrity.
Customer Focus.
Meritocracy.
Progressiveness.
Social Commitments.

HBL
Excellence
This is at the core of everything they do.
The markets in which they operate are becoming increasingly competitive,The markets in which they operate are becoming increasingly competitive,
giving our customers an abundance of choice.
Only through being the very best - in terms of the service they offer, their
products and premises - can they hope to be successful and grow.

HBL
Integrity
For them, integrity means a synergic approach towards abiding their
core values. United with the force of shared values and integrity,
they form a network of a well-integrated team.
They are the leading bank in Pakistan and their success depends upon
trust. Their customers - and society in general - expect them to
possess and steadfastly adhere to high moral principles and
professional standards.

HBL
Customer Focus
They understand fully the needs of their customers and adapt their
products and services to meet them. They always strive to put the
satisfaction of their customers first.

HBL
Meritocracy
At every level, from selection to advancement, they have designed a
consistent system of human resource practices, based on objective
criteria throughout all the layers of the organization. They are,
therefore, able to achieve a specific level of performance at everytherefore, able to achieve a specific level of performance at every
layer of the organization.
They believe in giving opportunities and advantages to their employees
on the basis of their ability. They believe in rewarding achievement
and in providing first-class career opportunities for all.

HBL
Progressiveness
They believe in the advancement of society through the adoption of
enlightened working practices, innovative new products and
processes, and a spirit of enterprise.

HBL
SOCIAL COMMITMENTS
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.receives the visiting dignitaries and delegations from abroad.
HBL believes in serving the nation and building the country strong. They
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.

HBL
The Organization
HBL is organized along functional lines with core divisions namely:
Corporate Banking,
International Banking,
Retail Banking,
Consumer Banking,
Global Operations,
Treasury,Treasury,
Global Treasure,
Audit,
Compliance,
Risk Management,
Commercial & Retail Lending,
Asset Remedial Management (ARM),
Information Technology Group,
Learning & Development and
Human Resources Group.
The Staff strength of the organization is consist of 14,105 permanent employees and 18
other totaling 14,123 number.

HBL
Board of Director
The Board of director consists of seven reputable and worthy persons:
Sultan Ali Allana Chairman
R. Zakir Mehmood President & CEO
Iain Donald Cheyne Director
Sajid Zahid Director
Mushtaq Malik Director
Ahmed Jawad Director
Yasim Malik Director

HBL
Management
The team of management consists of the best of the industry. This main team has 17 members:
R. Zakir Mehmood President & CEO
Sohail Malik Chief Risk Officer
Sima Kamil Head – Corporate Banking
Nauman K. Dar Head – International BankingNauman K. Dar Head – International Banking
Ayaz Ahmed Chief Financial Officer
Abid Sattar Head – Retail & Consumer Banking
Dr. Razi Azmat Head – Human Resources
Mudasir H. Khan Head – Global Operations
Jamil Iqbal Chief Compliance Officer
Faizan Mitha Global Treasurer
Salim Amlani Chief Internal Auditor
Aslam Gadit Head- Remedial Asset
Tulu Islam Chief Information Officer
Mirza Saleem Baig Head- Learning & Development
Nausheen Ahmed Company Secretary & Head- Legal
Aly Muntasir Head – Marketing & Brand Management
Mubashir Maqbool Head – Commercial & Retail Lending

HBL
Current Market Standing
The HBL Board met on February 20, 2009 at Karachi and announced its
results for the year 2008, which show a strong growth in all areas.
Deposit growth for the year has been 12.5% and the net asset growth
of the bank has been 19% over 2007.
HBL’s consolidated Pre-tax profit for 2008 is Rs. 22.03 billion and the profit
after tax is Rs. 15.61 billion, which translates into an earning per share
of Rs. 20.47.
As per the circular of the SBP (BSD 4 of 2009), wherein the regulators
have encouraged banks to record full impairment, the bank has
complied and in this regard 100% of impairment loss to the investments
held by the bank have been routed through the profit and loss account.

HBL
Current Market Standing
The Chairman of HBL, Mr. Sultan Ali Allana presided over the Board
meeting and said that the bank’s performance, despite the difficult
conditions both globally and in Pakistan, is very encouraging.
The bank will continue to focus and invest in technology, branchThe bank will continue to focus and invest in technology, branch
upgrades and human resources in order to deliver a higher standard
of services to its customers.
The Bank announced a final cash dividend of Rs. 5.50 per share (55%)
and bonus shares of 20%.

HBL
HBL Culture
At HBL they have created a challenging environment that encourages
creativity and commitment.
In their pursuit of excellence, they are focused on attracting, developing
and retaining the best talent in the marketplace.
Their dynamic culture offers diverse growth opportunities across PakistanTheir dynamic culture offers diverse growth opportunities across Pakistan
and in 25 countries around the world.
HBL fosters a work environment where employees can realize their
potential whether locally or in the international arena.
Thus, they enable their employees to achieve their professional goals
while keeping in synch with the bank’s overall objectives.
They encourage you to explore this section to find out about current job
openings and how to submit your resume

Human Resource Department
HBL
2007 - 2010 Hamdard University Students - Batch 2010 22

HBL
Introduction of Human Resource Management
Human resource management is relatively modern label for the range
of themes and practices involved in managing people.
It is defined and described in a variety of ways.It is defined and described in a variety of ways.
This excerpt from Human Resource Management in a Business
Context introduces the concept of human resource management.
It outlines HRM as a philosophy of people management and provides a
framework for its role within the business context.

HBL
Introduction of Human Resource Management
People management - Human resource management has not ‘come
out of nowhere’.
HRM has absorbed ideas and techniques from a number of areas.HRM has absorbed ideas and techniques from a number of areas.
In effect, it is a synthesis of themes and concepts drawn from over a
century of management theory and social science research.

HBL
HR Departments & Functions in HBL
HBL as they know that it was one of the largest government banks in
Pakistan.
The big challenges for HR team to developed acceptable culture in theThe big challenges for HR team to developed acceptable culture in the
company which help to kept the brand name intact and avoid the
bad experience to be a major part of industry.
To serve the purpose they are focusing or Downsizing as well as on
rightsizing to meet the future challenges of the company.

HBL
HR Departments & Functions in HBL
Since the company was controlled by the Government, that is why
number of employees in this organization was in surplus, and at one
time there were more than 22,000 employees in the company.
This overstaffing not only causing increase in cost but also decreases
the efficiency of the bank.
Now with the change of management, HR is busy to utilize their
existing resources by training & Development and hiring fresh &
right employee as well as they are trying to get rid of excess staff by
offering them nice and handsome packages without any
humiliations.

HBL
Departments in HR
Since HBL is large organization that is why there are more than 200 HR
employees to serve the 14,000 staff.
Because of the size of an organization, HR of HBL has centralized
functioning having presence in each 18 domestic region to cater
the need of employee.

HBL
Departments in HR
Mainly the HR Department consists of following sub departments:
Recruitment & Selection DepartmentRecruitment & Selection Department
Training & Development Department
Policy - HR
Payroll Department
Operation Department
Final Settlement & Legal Department
Staff Finance Department

HBL
Recruitment & Selection Department & its Functioning
• Meritocracy is an integral part of HBL’s recruitment policy.
• Their merit-based recruitment process incorporates the principles of
equal opportunity and leads to the appointment of the mostequal opportunity and leads to the appointment of the most
capable candidate.
• This ensures openness and transparency, allowing greater
confidence in the outcome of the selection process.

HBL
Recruitment & Selection Department & its Functioning
The merit principle at HBL aims to identify the most suitable person for
the job assessed on the basis of the following parameters:
Educational Background
Skills & Competencies
Abilities and Attitudes
Experience
Interpersonal /Communication skills

HBL
Recruitment:
The diagram represents the process
on which they base their selection.
This gives an overview to potential
candidates as to the steps involved in
candidates as to the steps involved in
becoming a part of the HBL team

HBL
Campus Hiring
They are proud of their ability to nurture individuals and empower them
to hone their talents.
Their size gives them the unique ability to provide fast growth and
significant responsibility early on in a career with multiple avenues tosignificant responsibility early on in a career with multiple avenues to
reach the top.
As part of HBL’s human resource strategy, they visit various
universities across the country to induct & groom fresh business
graduates every year.
.

HBL
Campus Hiring
Enthusiastic and talented youth form the backbone of our banking
operations and are nurtured to become future leaders at HBL
They hire fresh talent on a permanent basis and offer a wide range of
career opportunities across all functions, including Finance,
Marketing, Operations, Information Technology and Human
Resources.

HBL
Training & Development Department
This important function is carefully handled by HBL management. To
cater the need of an organization, the bank separate system of MDI,
which are located at Karachi, Lahore & Islamabad.
These institutes not only serve for their own bank but also providedThese institutes not only serve for their own bank but also provided
professional training on request of reputable organizations.
Along with this training institute, the training team also deals with
reputable & specialized training institute for enhancement of staff
skills.
This department is continuously working for better future of an
organization.

HBL
Policy Department
This department always busy into analyzing and preparing the HR
Policy.
They always look into trade off between company and EmployeeThey always look into trade off between company and Employee
benefits.
The main purpose of this department is to provide best perks and
benefits to the employee on reasonable cost, as the employee work
for the betterment of an organization with creative and fresh mind

HBL
Payroll Department
With the influx of information technology, it’s become quite easier with
system to control repetitive nature of work.
Since HBL has good HRIS that is why this function performs centrally
and on same date of the each month the salary and incentive
properly transferred into staff account without any error.
This department also generates pay slip individually by e-mail to each
staff.

HBL
Operation Department
This is the main supportive sub department of HR.
Each record and daily basis quarries resolve in this department.
All employees remain in contact with this department regarding their
personal quarries.
All issue of an employee always entertained in this department.

HBL
Final Settlement & Legal Department
This department mainly deals with the contract of an employee and
kept any eye on each clause signed by employee, to save the
organization for any critical situation.
In HBL, this department also deals with settlement cases of retired,
resigned or terminated employees

HBL
Staff Finance Department
HBL offers good number of finance facility to their employees like:
Car Finance.
House Finance.House Finance.
LFA.
Advance Rent.
3 Basic Salary.
Provident Loan.
To keep the record of each transaction and smooth processing of the
case this department has much importance in organization.

HBL
Perks & Benefits
HBL provide number of incentive to their employees to motivate like:
Performance Bonus – Bi yearly.Performance Bonus – Bi yearly.
Annual Increments.
Provident Funds.
Gratuity.
Pension.
Medical Benefits.
Benevolent Funds.
EOBI Fund.

HBL
Organizational Structure
Last year, HBL changed its staff catering and introduced international standard
cater in organization.
The position of the staff is as of following order – Top to bottom.
GM - General Manager - Pay Band II.
GM - General Manager – Pay Band I.
DGM - Deputy General Manager- Pay Band II.
DGM - Deputy General Manager – Pay Band I.
SM - Senior Manager – Pay Band II.
SM - Senior Manager – Pay Band I.
AM - Assistant Manager- Pay Band II.
AM - Assistant Manager- Pay Band I.
Officer - Pay Band II.
Officer - Pay Band I.
Assistant.

HBL
Appraisal System
HBL has bell shaped appraisal system, in which the appraisal made on the
basis of force HR policy.
The ranking made on following terms:The ranking made on following terms:
• Top 10
• EMP Exceeding Most Parameter
• ESP Exceeding Some Parameter
• MAP Meeting all Parameter
• MSP Missing some parameter
• MMP Missing Most Parameter

HBL
Conclusion
The HBL always focused toward the adoption of change in culture &
environment as to be with the modern era in banking industry.
The way to implement any change in an bank / organization take
decades to adopt, due to behavior have to be cultivated as a
pyramid of unique features is hard to change and if it changes that
not change the particular it divert it self towards the other factors and
it is a chain of changes toward the betterment of bank.

HBL
Thanks

Habib Bank (Hbl).

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