The document provides information about a project proposal for Habib Bank Limited (HBL) Management Information System (MIS). It discusses the banking system and history of HBL. It outlines the products, services, and hierarchy within HBL Madina Town branch. It also describes how MIS is used in HBL to integrate computer systems and provide real-time data across branches to facilitate thousands of daily transactions.
This document discusses Habib Bank Limited (HBL), Pakistan's largest bank. It provides details about HBL's history, services, significance, incentives for employees, and some problems. Specifically, it notes that HBL was established in 1941 in Bombay and shifted to Karachi in 1947. It offers various deposit, savings, and foreign currency accounts as well as services like ATMs, internet banking, mobile banking, and phone banking. The document also discusses HBL's role in Pakistan's history and how it supports employees through direct and indirect payments. Problems mentioned include timing of logistics, record keeping, and cyber security.
Meezan Bank offers Islamic banking products and services through a network of over 385 branches. It aims to increase awareness of its services and deposit accounts. Key objectives are to improve EPS, increase consumer deposit accounts by 35%, and expand its branch network in remote areas. The strategic report analyzes Meezan Bank's performance, market share, competition, costs, and customer preferences compared to other major banks.
Hafsa Idrees and others presented on the history and operations of Habib Bank Limited (HBL). HBL was founded in 1941 in Bombay and is now headquartered in Karachi. It has over 1,700 branches domestically and 55 branches internationally. HBL offers various personal and business banking accounts, loans, investment products, and digital banking services. It aims to enable customer prosperity while creating value for stakeholders through its vision, mission, and values of progressiveness, customer focus, excellence, integrity and meritocracy.
The document provides an internship report on Habib Bank Limited (HBL). It includes an acknowledgement, table of contents, executive summary, and sections on the history of banking in Pakistan and HBL. The executive summary highlights that HBL was the first commercial bank established in Pakistan in 1947 and has grown to over 1,450 branches. It also discusses HBL's mission, vision, values, board of directors, management structure, operations, products/services, and the intern's learnings. SWOT analysis identifies HBL's strengths as its long history, large size and branch network, and high level of public trust in Pakistan.
Internship report on_meezan_bank_ltd. actual 2014Ali Shah
The document provides a 3-page internship report on Meezan Bank Limited. It includes sections on the history of banking, Islamic banking, and Meezan Bank. It discusses Meezan Bank's mission, products/services, departments, and SWOT analysis. The report aims to provide a brief study of Meezan Bank's operations, functions, and Islamic banking products and services.
Management information system is said to be any system that provides people with either data or information relating to an organizations operations. Habib Bank Limited uses several information systems including a transaction processing system, decision support system, management reporting system, and office automation system. These systems are all linked through Multi-user Online Banking. The transaction processing system records daily transactions, deposits, withdrawals, balances and generates detailed and summary reports. The decision support system provides tools and customized information to help managers make informed decisions based on past data and trends.
Habib Bank Limited (HBL) is one of the largest banks in Pakistan with over 1400 branches. It was established in 1941 in Bombay and moved its headquarters to Karachi after the partition of India and Pakistan in 1947. HBL was nationalized in 1974 but privatized in 2004. Today it has corporate, retail, and international banking divisions organized across its central and regional offices. HBL has a strong presence but also faces threats from increasing competition from foreign banks and needs to improve some customer services to remain the leading bank.
This document discusses Habib Bank Limited (HBL), Pakistan's largest bank. It provides details about HBL's history, services, significance, incentives for employees, and some problems. Specifically, it notes that HBL was established in 1941 in Bombay and shifted to Karachi in 1947. It offers various deposit, savings, and foreign currency accounts as well as services like ATMs, internet banking, mobile banking, and phone banking. The document also discusses HBL's role in Pakistan's history and how it supports employees through direct and indirect payments. Problems mentioned include timing of logistics, record keeping, and cyber security.
Meezan Bank offers Islamic banking products and services through a network of over 385 branches. It aims to increase awareness of its services and deposit accounts. Key objectives are to improve EPS, increase consumer deposit accounts by 35%, and expand its branch network in remote areas. The strategic report analyzes Meezan Bank's performance, market share, competition, costs, and customer preferences compared to other major banks.
Hafsa Idrees and others presented on the history and operations of Habib Bank Limited (HBL). HBL was founded in 1941 in Bombay and is now headquartered in Karachi. It has over 1,700 branches domestically and 55 branches internationally. HBL offers various personal and business banking accounts, loans, investment products, and digital banking services. It aims to enable customer prosperity while creating value for stakeholders through its vision, mission, and values of progressiveness, customer focus, excellence, integrity and meritocracy.
The document provides an internship report on Habib Bank Limited (HBL). It includes an acknowledgement, table of contents, executive summary, and sections on the history of banking in Pakistan and HBL. The executive summary highlights that HBL was the first commercial bank established in Pakistan in 1947 and has grown to over 1,450 branches. It also discusses HBL's mission, vision, values, board of directors, management structure, operations, products/services, and the intern's learnings. SWOT analysis identifies HBL's strengths as its long history, large size and branch network, and high level of public trust in Pakistan.
Internship report on_meezan_bank_ltd. actual 2014Ali Shah
The document provides a 3-page internship report on Meezan Bank Limited. It includes sections on the history of banking, Islamic banking, and Meezan Bank. It discusses Meezan Bank's mission, products/services, departments, and SWOT analysis. The report aims to provide a brief study of Meezan Bank's operations, functions, and Islamic banking products and services.
Management information system is said to be any system that provides people with either data or information relating to an organizations operations. Habib Bank Limited uses several information systems including a transaction processing system, decision support system, management reporting system, and office automation system. These systems are all linked through Multi-user Online Banking. The transaction processing system records daily transactions, deposits, withdrawals, balances and generates detailed and summary reports. The decision support system provides tools and customized information to help managers make informed decisions based on past data and trends.
Habib Bank Limited (HBL) is one of the largest banks in Pakistan with over 1400 branches. It was established in 1941 in Bombay and moved its headquarters to Karachi after the partition of India and Pakistan in 1947. HBL was nationalized in 1974 but privatized in 2004. Today it has corporate, retail, and international banking divisions organized across its central and regional offices. HBL has a strong presence but also faces threats from increasing competition from foreign banks and needs to improve some customer services to remain the leading bank.
This document provides a 3 page internship report summary for an internship at Habib Bank Limited (HBL) in Pakistan. The summary discusses the executive summary of the internship experience, acknowledges those who helped with the report, and provides an introduction to banking evolutions and the structure of Pakistan's financial sector. HBL is introduced as the largest private sector bank in Pakistan, with over 1,500 branches. The report discusses HBL's background, privatization in 2004, mission, vision, administration, and departments including account opening, cash, clearing, and transfers.
Meezan Bank is Pakistan's largest Islamic bank with over 600 branches. It provides various Shariah-compliant banking products and services like savings accounts, financing, and investments. The bank aims to establish Islamic banking as the preferred choice through professionalism, innovation, and social responsibility. To strengthen its position, Meezan Bank plans to expand into new areas and improve marketing to increase awareness of Islamic finance. The bank also needs to enhance its online systems and provide better employee training to overcome weaknesses.
Habib Bank was founded in 1941 in Bombay and is now the largest private bank in Pakistan. It has over 1700 branches domestically and 55 internationally. The bank was nationalized in 1974 but privatized in 2004. Currently, its vision is to enable prosperity for customers, excellence for staff, and value for stakeholders. The bank offers various personal and commercial products and services including deposits, loans, credit cards, and digital banking. A SWOT analysis finds strengths in its large network and reputation, while weaknesses include some outdated technologies and centralized management.
This document provides an overview of HBL Bank and MCB Bank, covering their history, vision/mission, management structures, human resource practices, and strategies. For HBL, key points include its founding in 1941 in Pakistan and being the first bank to launch credit cards. MCB was established in 1947 and was later nationalized and privatized. Both banks emphasize developing employees and creating a diverse and motivating work culture. They also undertake various corporate social responsibility initiatives in areas like education, sports, and rural development.
The document provides an overview of the internship report submitted by Muhammad Irfan Iqbal to Sir Azhar Sheikh for his internship at The Bank of Punjab in Hasilpur, Punjab, Pakistan. It includes details of the internship such as the departments and activities Irfan worked in, including account opening, checking vouchers, and issuing cheque books. It also provides a brief history of The Bank of Punjab and outlines its organizational structure, services, and departments.
HBL is the largest bank in Pakistan with over 1,500 branches and 1,300 ATMs. It was founded in 1941 in India and moved its headquarters to Karachi after Pakistan gained independence in 1947. HBL aims to provide the best services to customers, support the economy of Pakistan, and maximize bank profits. The human resources department plays a key role through activities like recruitment and training, performance management, and maintaining a culture of innovation and customer responsiveness.
Internship Report on Deposit and Investment Management of Al-Arafah Islami Ba...Siyam Hossain
This chapter introduces the internship report. The report was prepared based on a three-month internship at Al-Arafah Islami Bank Limited to fulfill the requirements for a BBA degree. The report focuses on deposit and investment management at AIBL. The objectives are to understand AIBL's deposit and investment policies and strategies. The study aims to evaluate deposit and investment growth and make recommendations for improvement. Primary and secondary data was collected through observation, interviews and reviewing company documents.
Internship report on MCB Limited by Labeeda FaridLabeeda Farid
This internship report summarizes the internship experience of Labeeda Farid at MCB Bank Limited, focusing on the human resource department. MCB Bank is one of the largest and oldest banks in Pakistan, established in 1947. The report provides an overview of MCB Bank, including its vision, history, organizational structure, products and services. It also describes the key departments Labeeda Farid worked in, including customer dealing and operations, and the tasks she completed during her six-week internship.
This document discusses Meezan Bank, Pakistan's largest Islamic bank. It provides information on the bank's history, leadership, branches, products, performance, and financial analysis. Meezan Bank has over 428 branches across Pakistan and has received multiple international awards. While the bank has seen significant growth in deposits, assets, and profits in recent years, it faces challenges from new competitors and Pakistan's economic instability. Recommendations include improving marketing strategies and reducing employee turnover.
Difference between Islamic banks and Conventional banksMuhammad Danish
this document contains a detailed comparison of the Islamic banking system and conventional banking system. we take the examples of HBL and Meezan bank limited
The document provides an overview of MCB Bank including its history, objectives, core values, management, products, clients and competitors. MCB was established in 1947 and was later nationalized and privatized, and it now has over 1,190 branches in Pakistan and abroad offering various banking services and products to retail and corporate customers. The management profiles and organizational structure are also outlined.
Habib Bank Limited Project (m.nauman sher 42)Muhammad Sher
HBL is Pakistan's largest bank with over 1,500 branches worldwide. It has a mission to be the leading financial institution in Pakistan and an international bank in emerging markets. Some key points:
- Founded in 1947 and privatized in 2004, HBL has a long history and was a pioneer in services like ATMs and internet banking in Pakistan.
- It has major market shares in various services like deposits, remittances, and loans. However, it faces challenges from competitors and the unstable political/economic environment.
- HBL offers various banking products and services to individuals and businesses through divisions like retail, commercial, and corporate banking, as well as international operations.
- In
Meezan Bank Limited is Pakistan's first and largest Islamic commercial bank. It was established in 2002 when the State Bank of Pakistan issued the first Islamic banking license. Meezan Bank has over 500 branches across Pakistan and aims to establish Islamic banking as the preferred banking choice through innovative Shariah-compliant products and services. The bank has experienced rapid growth since its founding and maintains a market share of 35% in Pakistan's Islamic banking industry.
internship report of Meezan Bank Hasilpur.Muhammad Waqas
This document discusses the internship report of Muhammad Waqas at Meezan Bank Limited's Baldiya Road branch in Hasilpur, Bahawalpur. It provides an overview of Meezan Bank, including its vision to establish Islamic banking as the preferred system and its mission to offer innovative Shariah-compliant products and services. The report also describes the bank's general banking, credit, and Islamic financing departments and the products and services they offer. It concludes by acknowledging those who helped and supported Muhammad Waqas in completing his internship and report.
The document discusses the role of information systems in the banking sector for customer bonding. It defines an information system and explains how IS plays a vital role in business operations and success by linking departments, enhancing productivity, and increasing quality. It then outlines various IS applications used in banking like RTGS, EFT, ATMs, mobile and tele banking to computerize applications, improve efficiency and customer service, and reduce transaction costs. The importance of customer focus and retention through strategic IS applications that provide value, 24/7 support, alerts and advisories, and maintain privacy is also highlighted.
Presentation on Meezan Bank by shaista , Daniya & Minhal.
It was a great presentation which marked an outstanding comparing to other groups presentation.
All you need a thorough knowledge of the products stated in the slides and present them in brief in front of your audience. The financials are related to 2018 data and the latest UN-audited report of March 2019 which added a great significance to the overall presentation and a clear picture of the banking's operations over all.
This document is an internship report submitted by Muhammad Yasir to KASBIT University in 2013. It provides an overview of Yasir's internship at MCB Bank, including a brief history of MCB Bank highlighting its development, nationalization, and privatization phases. The report also describes MCB Bank's mission, core values, key operations like general banking, clearing, remittance, accounts, and cash departments. It provides details of the processes carried out in these departments.
Investment mechanism of al arafah islami bank limitedEakiSikder
This document provides an overview of Al-Arafah Islami Bank Limited (AIBL), an Islamic commercial bank in Bangladesh. It discusses AIBL's history, being established in 1995 to provide banking services based on Islamic principles. It has over 100 branches and 3,400 employees. The document outlines AIBL's objectives, which include establishing an interest-free economy, supporting economic growth, reducing poverty through social initiatives, and achieving rewards in the afterlife. It also provides basic corporate information about AIBL's leadership and address.
HBL was established in 1941 in Bombay and began operations in Pakistan after partition in 1947. It was the first Muslim bank in the subcontinent and the first Pakistani bank to establish an international branch in 1951. HBL offers a wide range of personal and business banking products and services both within Pakistan through its extensive branch network and overseas through its international offices. It provides deposit accounts, loans, credit and debit cards, mobile and internet banking, and financing for vehicles, housing and other needs to individual and commercial customers. After being nationalized in 1974, HBL was privatized again in 2004 and is now one of the largest banks in Pakistan.
HBL (Habib Bank Limited) is one of the largest banks in Pakistan with over 1439 branches. It was established in 1941 and was later nationalized in 1974 before being privatized in 2004. The document provides an overview of HBL's history, mission, objectives, core values, organizational structure, products/services offered, and SWOT analysis. It details HBL's various departments and how authority is delegated down its hierarchical chain of command from the President to various executive vice presidents and regional offices.
This document provides an internship report submitted by Adeel-ur-Rehman for his internship at Bank Al-Falah Limited. The report discusses the history and introduction of Bank Al-Falah, Pakistan's commercial banking scenario, Bank Al-Falah's vision and mission, its management structure including various departments, types of accounts offered, account opening and closing procedures, remittance services, financial analysis of Bank Al-Falah for 2017, SWOT analysis, and recommendations. The report aims to provide a comprehensive overview and learning from Adeel-ur-Rehman's internship experience at Bank Al-Falah.
MCB Bank Limited is one of Pakistan's largest banks. It was founded in 1947 and privatized in 1991. Today it has over 1,173 branches across Pakistan and overseas. The document provides an overview of MCB's history, leadership, financial performance, products and services which include deposits, loans, credit cards, investments and more.
This document provides a 3 page internship report summary for an internship at Habib Bank Limited (HBL) in Pakistan. The summary discusses the executive summary of the internship experience, acknowledges those who helped with the report, and provides an introduction to banking evolutions and the structure of Pakistan's financial sector. HBL is introduced as the largest private sector bank in Pakistan, with over 1,500 branches. The report discusses HBL's background, privatization in 2004, mission, vision, administration, and departments including account opening, cash, clearing, and transfers.
Meezan Bank is Pakistan's largest Islamic bank with over 600 branches. It provides various Shariah-compliant banking products and services like savings accounts, financing, and investments. The bank aims to establish Islamic banking as the preferred choice through professionalism, innovation, and social responsibility. To strengthen its position, Meezan Bank plans to expand into new areas and improve marketing to increase awareness of Islamic finance. The bank also needs to enhance its online systems and provide better employee training to overcome weaknesses.
Habib Bank was founded in 1941 in Bombay and is now the largest private bank in Pakistan. It has over 1700 branches domestically and 55 internationally. The bank was nationalized in 1974 but privatized in 2004. Currently, its vision is to enable prosperity for customers, excellence for staff, and value for stakeholders. The bank offers various personal and commercial products and services including deposits, loans, credit cards, and digital banking. A SWOT analysis finds strengths in its large network and reputation, while weaknesses include some outdated technologies and centralized management.
This document provides an overview of HBL Bank and MCB Bank, covering their history, vision/mission, management structures, human resource practices, and strategies. For HBL, key points include its founding in 1941 in Pakistan and being the first bank to launch credit cards. MCB was established in 1947 and was later nationalized and privatized. Both banks emphasize developing employees and creating a diverse and motivating work culture. They also undertake various corporate social responsibility initiatives in areas like education, sports, and rural development.
The document provides an overview of the internship report submitted by Muhammad Irfan Iqbal to Sir Azhar Sheikh for his internship at The Bank of Punjab in Hasilpur, Punjab, Pakistan. It includes details of the internship such as the departments and activities Irfan worked in, including account opening, checking vouchers, and issuing cheque books. It also provides a brief history of The Bank of Punjab and outlines its organizational structure, services, and departments.
HBL is the largest bank in Pakistan with over 1,500 branches and 1,300 ATMs. It was founded in 1941 in India and moved its headquarters to Karachi after Pakistan gained independence in 1947. HBL aims to provide the best services to customers, support the economy of Pakistan, and maximize bank profits. The human resources department plays a key role through activities like recruitment and training, performance management, and maintaining a culture of innovation and customer responsiveness.
Internship Report on Deposit and Investment Management of Al-Arafah Islami Ba...Siyam Hossain
This chapter introduces the internship report. The report was prepared based on a three-month internship at Al-Arafah Islami Bank Limited to fulfill the requirements for a BBA degree. The report focuses on deposit and investment management at AIBL. The objectives are to understand AIBL's deposit and investment policies and strategies. The study aims to evaluate deposit and investment growth and make recommendations for improvement. Primary and secondary data was collected through observation, interviews and reviewing company documents.
Internship report on MCB Limited by Labeeda FaridLabeeda Farid
This internship report summarizes the internship experience of Labeeda Farid at MCB Bank Limited, focusing on the human resource department. MCB Bank is one of the largest and oldest banks in Pakistan, established in 1947. The report provides an overview of MCB Bank, including its vision, history, organizational structure, products and services. It also describes the key departments Labeeda Farid worked in, including customer dealing and operations, and the tasks she completed during her six-week internship.
This document discusses Meezan Bank, Pakistan's largest Islamic bank. It provides information on the bank's history, leadership, branches, products, performance, and financial analysis. Meezan Bank has over 428 branches across Pakistan and has received multiple international awards. While the bank has seen significant growth in deposits, assets, and profits in recent years, it faces challenges from new competitors and Pakistan's economic instability. Recommendations include improving marketing strategies and reducing employee turnover.
Difference between Islamic banks and Conventional banksMuhammad Danish
this document contains a detailed comparison of the Islamic banking system and conventional banking system. we take the examples of HBL and Meezan bank limited
The document provides an overview of MCB Bank including its history, objectives, core values, management, products, clients and competitors. MCB was established in 1947 and was later nationalized and privatized, and it now has over 1,190 branches in Pakistan and abroad offering various banking services and products to retail and corporate customers. The management profiles and organizational structure are also outlined.
Habib Bank Limited Project (m.nauman sher 42)Muhammad Sher
HBL is Pakistan's largest bank with over 1,500 branches worldwide. It has a mission to be the leading financial institution in Pakistan and an international bank in emerging markets. Some key points:
- Founded in 1947 and privatized in 2004, HBL has a long history and was a pioneer in services like ATMs and internet banking in Pakistan.
- It has major market shares in various services like deposits, remittances, and loans. However, it faces challenges from competitors and the unstable political/economic environment.
- HBL offers various banking products and services to individuals and businesses through divisions like retail, commercial, and corporate banking, as well as international operations.
- In
Meezan Bank Limited is Pakistan's first and largest Islamic commercial bank. It was established in 2002 when the State Bank of Pakistan issued the first Islamic banking license. Meezan Bank has over 500 branches across Pakistan and aims to establish Islamic banking as the preferred banking choice through innovative Shariah-compliant products and services. The bank has experienced rapid growth since its founding and maintains a market share of 35% in Pakistan's Islamic banking industry.
internship report of Meezan Bank Hasilpur.Muhammad Waqas
This document discusses the internship report of Muhammad Waqas at Meezan Bank Limited's Baldiya Road branch in Hasilpur, Bahawalpur. It provides an overview of Meezan Bank, including its vision to establish Islamic banking as the preferred system and its mission to offer innovative Shariah-compliant products and services. The report also describes the bank's general banking, credit, and Islamic financing departments and the products and services they offer. It concludes by acknowledging those who helped and supported Muhammad Waqas in completing his internship and report.
The document discusses the role of information systems in the banking sector for customer bonding. It defines an information system and explains how IS plays a vital role in business operations and success by linking departments, enhancing productivity, and increasing quality. It then outlines various IS applications used in banking like RTGS, EFT, ATMs, mobile and tele banking to computerize applications, improve efficiency and customer service, and reduce transaction costs. The importance of customer focus and retention through strategic IS applications that provide value, 24/7 support, alerts and advisories, and maintain privacy is also highlighted.
Presentation on Meezan Bank by shaista , Daniya & Minhal.
It was a great presentation which marked an outstanding comparing to other groups presentation.
All you need a thorough knowledge of the products stated in the slides and present them in brief in front of your audience. The financials are related to 2018 data and the latest UN-audited report of March 2019 which added a great significance to the overall presentation and a clear picture of the banking's operations over all.
This document is an internship report submitted by Muhammad Yasir to KASBIT University in 2013. It provides an overview of Yasir's internship at MCB Bank, including a brief history of MCB Bank highlighting its development, nationalization, and privatization phases. The report also describes MCB Bank's mission, core values, key operations like general banking, clearing, remittance, accounts, and cash departments. It provides details of the processes carried out in these departments.
Investment mechanism of al arafah islami bank limitedEakiSikder
This document provides an overview of Al-Arafah Islami Bank Limited (AIBL), an Islamic commercial bank in Bangladesh. It discusses AIBL's history, being established in 1995 to provide banking services based on Islamic principles. It has over 100 branches and 3,400 employees. The document outlines AIBL's objectives, which include establishing an interest-free economy, supporting economic growth, reducing poverty through social initiatives, and achieving rewards in the afterlife. It also provides basic corporate information about AIBL's leadership and address.
HBL was established in 1941 in Bombay and began operations in Pakistan after partition in 1947. It was the first Muslim bank in the subcontinent and the first Pakistani bank to establish an international branch in 1951. HBL offers a wide range of personal and business banking products and services both within Pakistan through its extensive branch network and overseas through its international offices. It provides deposit accounts, loans, credit and debit cards, mobile and internet banking, and financing for vehicles, housing and other needs to individual and commercial customers. After being nationalized in 1974, HBL was privatized again in 2004 and is now one of the largest banks in Pakistan.
HBL (Habib Bank Limited) is one of the largest banks in Pakistan with over 1439 branches. It was established in 1941 and was later nationalized in 1974 before being privatized in 2004. The document provides an overview of HBL's history, mission, objectives, core values, organizational structure, products/services offered, and SWOT analysis. It details HBL's various departments and how authority is delegated down its hierarchical chain of command from the President to various executive vice presidents and regional offices.
This document provides an internship report submitted by Adeel-ur-Rehman for his internship at Bank Al-Falah Limited. The report discusses the history and introduction of Bank Al-Falah, Pakistan's commercial banking scenario, Bank Al-Falah's vision and mission, its management structure including various departments, types of accounts offered, account opening and closing procedures, remittance services, financial analysis of Bank Al-Falah for 2017, SWOT analysis, and recommendations. The report aims to provide a comprehensive overview and learning from Adeel-ur-Rehman's internship experience at Bank Al-Falah.
MCB Bank Limited is one of Pakistan's largest banks. It was founded in 1947 and privatized in 1991. Today it has over 1,173 branches across Pakistan and overseas. The document provides an overview of MCB's history, leadership, financial performance, products and services which include deposits, loans, credit cards, investments and more.
The document provides information about Habib Metropolitan Bank Ltd, including its subsidiaries, ratings, Islamic banking division, history in Pakistan and Sialkot, branch network including locations in Sialkot, board of directors, hierarchy, consumer banking facilities like savings accounts, current accounts, and account opening procedures. It also discusses corporate banking and internal controls.
This document provides an overview of the framework for studying online savings accounts at State Bank of India. It defines an online savings account as one that is managed and funded primarily over the internet, with most transactions and customer service conducted digitally. Opening an online savings account involves filling out an online form to provide personal details. Such accounts allow customers to maximize interest rates while minimizing risks compared to other investments. The questions to open an online account are similar to traditional accounts but can be completed more quickly online. Customers can transfer funds freely between accounts and choose their account number. The study will examine customers' responses to these online savings account services.
This document discusses service quality in banks, specifically Central Bank of India. It defines service quality and outlines the key dimensions of service quality according to models like RATER - reliability, assurance, tangibles, empathy, and responsiveness. It notes that in the competitive banking sector, superior service quality is important to attract and retain customers. The dimensions of service quality must be measured to understand customer perceptions and satisfaction. Measuring these dimensions can help banks identify issues and enhance the customer experience.
This document is a project report on financing medium enterprises at State Bank of India prepared by two students, Kushal Parekh and Pulin Patel. It provides an overview of SBI's origins from the early 19th century in India and describes its current operations and products offered to small and medium enterprises. The report also evaluates a loan proposal from Citizen Industries, a medium enterprise seeking financing.
The document is an internship report on MCB Bank Limited submitted by Waqar Sharif. It includes the president's message highlighting MCB Bank's commitment to customer service and employee development. The executive summary outlines Waqar's internship experience in the general banking department, including working in remittances and account opening. The report also provides background on MCB Bank, its vision, products and services, organizational structure, and analyses of its strengths, weaknesses, opportunities, threats, marketing strategy, and business processes through tables and charts.
This document discusses the planning and organizing of United Commercial Bank (UCB) in Bangladesh. It begins with an introduction to UCB, providing its mission, vision, and core values. It then discusses the bank's departments and operational hierarchy. The focus then shifts to Banasree Branch of UCB, discussing its planning processes including work specialization, chain of command, and span of control. It also covers the branch's organizing aspects such as centralization, formalization, and use of communication technologies. In conclusion, the document analyzes UCB's human resource activities and overall performance.
The document provides background information on National Commerce and Credit Bank Ltd (NCCBL) in Bangladesh. It discusses NCCBL's history, organizational structure, products/services, branches, board of directors, and financial performance. During his internship at NCCBL's Banani branch, the author helped with various general banking activities like opening accounts, processing payments/deposits, providing account balances and closures. He also assisted with other administrative tasks such as file/document arrangement. The objective of the internship was to gain practical banking experience and apply academic knowledge.
MCB Bank was incorporated in 1947 and later privatized in 1991. It is now one of the top 5 banks in Pakistan with net assets of PKR 1 trillion. The bank has a large branch and ATM network across Pakistan and is listed on the Pakistan Stock Exchange and London Stock Exchange. It offers a variety of personal and business banking products and services including deposits, loans, digital banking and agriculture financing.
This presentation provides an overview of Central Bank of India. It discusses the bank's history, founding in 1911 as India's first commercial bank owned and managed by Indians. The presentation outlines the bank's vision, mission, products, leadership, locations, financial performance, and CSR initiatives. It analyzes the bank's market share, stock performance, and governance philosophy. In conclusion, it finds that Central Bank of India is one of the largest and most established banking services companies in India and the world.
This document is a student's declaration and certification for a project on the 7 P's of marketing mix completed in the 2007-2008 academic year. It includes the student Jatin Sheth's declaration that the information submitted is true and original. It also includes a certificate from the project guide Vinita Pimpale confirming Jatin Sheth completed the project and submitted true and original information.
This document provides information about an internship at Habib Bank Ltd in Okara, Pakistan. It includes:
- An introduction to Habib Bank Ltd, including its history dating back to 1941 and role in Pakistan's development.
- Details of the internship, including learning about bank procedures, departments, and account types from the branch manager.
- A SWOT analysis of Habib Bank Ltd identifying strengths like a large branch network, and weaknesses such as lack of technology.
- Recommendations to address problems encountered, such as improving customer service and increasing digital services.
The document outlines the intern's experience at Habib Bank Ltd and insights gained about the bank's operations.
This document provides a summary of a summer training report for an MBA program. It discusses a summer training project conducted at HDFC Bank in Bhavnagar, India. The first few pages include preface, acknowledgements, executive summary and index sections. It then discusses topics like the history of banking in India, the profile of HDFC Bank, its organizational structure, products, services, marketing, finance, human resources and findings from the training project. The document aims to provide an overview of HDFC Bank and insights gained from the summer training.
This document provides a summary of a summer training report for an MBA program. It discusses a summer training project conducted at HDFC Bank in Bhavnagar, India. The first few pages provide background information on HDFC Bank and banking in India. It then outlines the report's contents which will cover organizational structure, products, services, marketing, finance, HR, data analysis, findings, recommendations and conclusions from the training project.
The document is an internship report submitted by Mayank Mulchandani to Medi-Caps University for their MBA program. It details their 8 week internship at State Bank of India in the Credit Division. It includes sections on the company profile of SBI, describing it as a major public sector bank in India. It provides information on SBI's history dating back to 1806, its current position and services offered which include personal, rural, SME and corporate banking. The report was prepared under the supervision of Mr. Prakash Kumar Shukla, Branch Head of SBI's MG Road branch.
This document provides information about a project report on the structure and functions of Punjab National Bank (PNB). It includes a declaration by the author Priyanshi Kumari stating that the report was produced independently under faculty guidance. An acknowledgment thanks the guidance provided. The introduction gives an overview of PNB's history and operations. Subsequent sections cover the bank's organizational structure, functions, objectives of the study, research methodology, data analysis including the structure and functions of PNB offices, and conclusions with limitations and suggestions.
UCO Bank is a public sector bank established in 1943 with headquarters in Kolkata. It has over 2,600 branches across India and two international branches. The bank offers various loan and deposit products to retail, wholesale, and corporate customers. It focuses on sectors like agriculture and infrastructure financing. Career opportunities at UCO Bank include roles in business development, branch management, customer service, and loans. The bank faces opportunities in rural banking and small enterprise financing but also threats from competition and economic conditions.
How to Implement a Real Estate CRM SoftwareSalesTown
To implement a CRM for real estate, set clear goals, choose a CRM with key real estate features, and customize it to your needs. Migrate your data, train your team, and use automation to save time. Monitor performance, ensure data security, and use the CRM to enhance marketing. Regularly check its effectiveness to improve your business.
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ManagementInformation System: MIS3663
ProjectProposal
ProjectOrigin:
Group Name:
WHITE TIGERS
GROUP MEMBERS:
Abdul Majeed 0009
HM Shakir Abdullah 0027
Muhammad Ahmed 0028
Bilal Ahmed 0022
MCOM5A
Submitted To:
PROF. AHSAN HUMAYUN
Submission Date:
04-12-2015
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Table Of Contents
Sr.No Description Page
No
1 Acknowledgment 4
2 Formulation of banking sector 5
3 Introduction of HBL 6
4 Management Information System 12
5 Networking 17
6 Hardware's 22
7 Software's 23
8 Conclusion 24
9 References 24
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Acknowledge
In the name of Allah the Most Merciful And Kind whose blessings made it possible for us to
complete this complex and painful task. It is a matter of great enthusiasm and pleasure for us to
complete this Phase 1, It is all because of Almighty Allah’s great guidance that made us so able
to complete this task, and we would like to thank our respected teacher Ahsan Humayaun Sahib
for giving us opportunity to do this project, and I (Abdul Majeed) would also like to say special
thanks to My Team Member, H M Shakir, Muhammed Ahmed, and Bilal and to the following
staff of HBL who helped us a lot in this project.
Name
Tauqeer Niami Area manager
Shoiab Usman Credit manager operation
Muhammed Qaiser Manager Trade
Madam Adeena Bhatti Cashier
Umer Munawar General banking
Kamran Yusuf IT Officer
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Formulation of the banking system:
According to one school of thought the word bank is derived from Italian word Bancus or
Banque which mean s a bench, According to second school of thought it is derived from a
Germen word Back which means Joint Stock fund, But irrespective of this ,for us as we live in
this era the word bank is the most beneficial and important word especially in our daily business
life.
The concept of banking system is directly related to the time from when we realize the
importance of monetary system, before that barter system was used for all the transactions but as
we started using money ,paper money or whatever the need of an controlling institution was felt ,
Banking system In Pakistan
If we talk about Pakistan At the time of independence, there were 631 offices of banks in
Pakistan, of which 487 were located in West Pakistan. As a new country without resources it
was very difficult for Pakistan to run its own banking system immediately. Therefore, Reserve
Bank of India was allowed to continue to function in Pakistan until 30th September 1948, so that
problems of time and demand liability, coinage currencies, exchange etc. be settled between
India and Pakistan. The non-Muslims started transferring their funds and accounts to India. By
the end of June 1948 the number of officers of scheduled banks in Pakistan declined from 631 to
225. Similarly the Reserve Bank of India was not in the favor of Govt. of Pakistan. The Govt. of
Pakistan decided to establish a full-fledge central bank. Consequently the Governor-general of
Pakistan Quaid-I-Azam inaugurated the State Bank of Pakistan on July 1, 1948. Thus a landmark
was made in the history of banking when the state bank of Pakistan assumed full control of
banking and currency in Pakistan. The banking structure in Pakistan comprises of the following
types.
State Bank of Pakistan
Commercial Bank of Pakistan
Saving banks.
Cooperative banks
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Specialized credit institutions.
The state bank of Pakistan is the head of the all banks and was established on July 1, 1948.and
commercial banks are those banks which fulfill our short term needs especially in business
transaction, in Pakistan we have following banks fulfilling our requirements
National Bank of Pakistan
Muslim commercial bank limited
Habib Bank Limited
United Bank Limited
Allied Bank of Pakistan
Habib Bank Ltd
Type
Public Limited Company
Founded
Bombay (now Mumbai), in 1941.
Headquarters
Habib Bank Plaza, Karachi,
Industry
Banking Capital Markets
Products
Loans, Credit Cards, Savings, Consumer Banking etc.
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GDP Rs27.384 trillion 2014/2015
Profits for the year 2014
31.8 billions
Website
www.hbl.com
Branches in Faisalabad
Abdullah Pur Branch
Agricultural University Branch
Madina Town Branch
Akbar chock Gulastan colony Branch
Bhawana bazar Branch
Clock tower Branch
Fawara chock Branch
Gulberg colony Branch
Samnabad Branch
and many more
we have choosed Madina Town Branch branch for our project
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Brief history of HBL
Hbl is the only bank which got the honour in which the father of the nation Quaide azam opened
his account he was the first person to open account in the bank,it started making history on 3oth
of august 1941,it was the first muslim bank in subcontinent. Mohammad Ali Habib was the
founder of this habib bank at the time of start its total paid up capital is 2.5 million but because
of his efforts bank touches the sky with in no time.
In 1942, on the desire of Quaid-e-Azam, Habib family migrated to Pakistan and later on shifted
the Bank's Head Office from Bombay to Karachi on 7th August 1947 just one week prior to
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independence. There are more then thousand branches inside the Pakistan and about 66 Branches
overseas providing financial services to its worthy customers.
Habib Bank is working for the last 66 years and become the largest commercial bank in the
country. Habib Bank has innovated a numbers of financial schemes like term deposits, Special
notice term deposits, A.T.M. etc. As governments are hoping to be liberal and their policies are
innovative and liberal the scope of banking is increasing and Habib Bank is on step ahead if the
growth and participating very much in the economic growth of Pakistan.
Habib bank HEAD QUARTER is situated in KARACHI that building has highest number of
stories in Pakistan. Habib bank has basically 9 Regions all over the country those control the
entire activity of Habib bank operation is countrywide.
Vision
"To be a quality financial service provider maintaining the highest standards in banking
practices".
Mission
"To be a strong and stable financial institution offering innovative products and services while
contributing towards the national economic and social development".
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Hierarchy
The Hierarchy means designations or different posts in a company who are answerable to each
other for the betterment of the company. In HBL Madina town Branch the Hierarchy is
The r=Regional Chief Executive is the head or on the top and under him two general managers
are working for the betterment of the bank, one is responsible for operations of the bank and
other will look after the assets of the company. both are answerable to RCE.
Rigional
Chief
Exective
RGM-
Assets
RGM-Opps
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Credit Hub Manager, Area Manager And Area Operation Manager they are the equal ranks in the
bank and are heads of their departments, Credit Marketing Officer is responsible for providing
loans against assets and is answerable to credit hub manager who will answer to RGM-Assets,
cashiers and CRM are there to serve the customers and will report to the area manager
RGM-
Assets
Credit Hub
Manager
RGM-
Opps
Area Opps
Manager
Credit Hub
Manager
• Credit marketing
officer
Area Manager
• Branch manager
Area Opporations
manager
• Customerservice
representative
• Cashier
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Products & Services:
As Habib Bank is the 2nd largest Banking sector in Pakistan So its products and services are no
doubt better and different from others. In order to maximize customer convenience, they offer
ONLINE SERVICES
ATMs
Mobile Banking
Call center
Bill Payments
E Statements
ACCOUNTS
Current Account
saving account
Foreign currency account
Fix Option
Treasury Bills
Provide finance for
Personal Loan
Car financing
Corporate finance
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CARDS
Debit card
visa card
credit card
Competitors:
National Bank
MCB
UBL
ALLIED BANK
ALFALAH BANK
ASKARI BANK
MEEZAN
As far as UBL is concerned, Habib Bank feels that it is a competitor because UBL itself is a
sister HBL of Habib Bank as the Abu Dhabi Group has stake in UBL and so there is always a
comparison between them.
Furthermore, Askari Bank is a competitor because of the fact that the product and services that it
offers is fairly similar to that of Habib Bank and its markup rates are similar as well. MCB, after
being privatized has also introduced a wide variety of services and with its large number of
account holders, it is also a big competitor.
Acquisition:
City bank and Hsbc were foreign banks but are now acquired by Hbl.
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MIS In Action
Information System:
MIS (Management Information Systems) is the hardware and software systems within an
enterprise that provide the information that management needs to run an Enterprise.
Management Information Systems (MIS) is the term given to the discipline focused on the
integration of computer systems with the aims and objectives on an organization.
With the help of information technology habib bank record the daily transactions that took place
from all over the Pakistan into a centralized database in real time which means there is no Batch
processing is taking place in habib bank all over the Pakistan. Every bank branch is an online
branch which is directly connected to the centralized server to keep the data up to date to avoid
any problems. As Time is money and due to IS measure habib banking concern make thousands
of proceedings per day in concept IS makes unit procedure large indefinite amount More areas
simpleton and dependable. Due to IS employees can easily connect with different branches
consumer divine service gets built online banking emerged and lot of others benefits. habib bank
Online is an innovative Online Banking religious service that you can semester to suit of clothes
your accurate banking needs. It gives us accessible pear-shaped the finance employment ranging
from day to day account transactions to the coin time financial information..Now we can manage
your finances anytime, anywhere
With computers existence as present as they are 24-hour interval locations hardly for any size
concern that does not rely extensively on their IT scheme. However there are several fact fields
in which MIS has become invaluable.
StrategySupport:
Computers can helps the management in taking decisions and making stretigies.MIS can be
used to transform information into info need for decision making. Computers can provide
business statements and public presentation reports to aid in the preparation, observance and
execution of strategy. By studying these reports conclusion makers can identify patterns and
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University Of Central Punjab
trends that would have remained unseen if the raw data were consulted manually. MIS systems
can also use this raw accumulation to run simulations For example MIS systems can provide
predictions about the result on income that an adjustment in terms would individual on a product.
Data Processing:
MIS Not only helps the organization in processing of big amounts but also provide a valuable
welfare to the workforce, .Where in the past business concern information had to be manually
pure for formation.
Managementby Objectives:
As MIS systems are extremely useful in generating applied mathematics reports and data
analytic thinking they can also be of use as a Management by Objectives MBO tool.MBO is a
management cognitive process by which managers and subordinates agree upon a series of
objectives for the underling to endeavor to achieve within a set clock time frame. Objectives
are set using the SMART quantitative relation that is objectives should be fact Measurable
Agreed, Realistic and Time Specific. The aim of these objectives is to provide a set of key public
presentation indicators ..Since all smartness objectives are by distinctness measurable they can
be tracked through with the contemporaries of administration reports to be analyzed by
conclusion maker.
Benefits of MIS:
MIS can deliver an extraordinary benefits to enterprises in every industriousness. Skilled
organizations along with good system of MIS can help the organization in achieving its goals.
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University Of Central Punjab
Enhance Supply Chain Management:
Better coverage of concern for manufacturing process from sourcing of materials and most of the
data concatenation of supply includes distribution of products to improve the mechanism of
consultation with information on more than one aerodynamic Money product process inevitably
leads to power products
EBBS (Electronic Basic Banking System):
Core banking is the heart of any organization, HBL core banking application is EBBS
(Electronic Basic Banking System) which is the actual strength of this bank. EBBS are the
single software suit that work on these basic modules
Saving
Current Accounts
Customer Information System
New Accounts
Demand Deposits
Clearings
Time Deposits
Loans
Credit Lines
Automatic Transfers
Tax Information
On-Line Transactions
Authorizer
Cashiers Checks
Construction Loans
Sensitive Accounts
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Warnings
Advantages:
1. Make transaction from home.
2. We can transfer funds while the depository financial institution is shut.
3. Most Banks if not all piece of work done an encrypted transmission channel with your
info
4. We can download a data file that holds Our history info and can reconcile our info very
easily.
Disadvantages:
1. If the bank's server is down, We can't use it
2. Some places will charge Us for online access .
3. Our net connection is essential to operate and for taking the advantage of it.
ECAP (Electronic Card Processing System):
Another core banking application that HBL is using is ECAP (Electronic Card Processing
System) which is used to manage all the Credit and Debit Cards of the account holders. The
software has these two basic modules
Debit Card
Credit Card
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University Of Central Punjab
The most benefits of credit card processing system are:
Stability and Safety.
Credit card processing gateways are 24-hour stable, i.e. they always function, and server
breakdowns occur very rarely. 128 bit SSL encryption and other certificate technologies shuffle
it impossible action for hackers to read and modify credit wag information.
Rapid Transactions.
Well its really beneficial for us especially if we are business man, just with one click we can
perform a transaction which can no doubt save our much time.
Fully Automatable.
Most e commercialism merchandiser accounts let their owners grip all the minutes as wellspring
as automatically physical process recognition identity card information.
24-hour Support.
E-Commerce merchandiser service providers will usually offer a free customer support religious
service which aid you to settle any questions without having to query the processing depository
financial institution directly.
Global Access.
We will be able to access our Online bank account from anywhere in the world, and any
computing device letting you review summary and dominance your credit entry card processing.
Instant Statistics.
The control condition Page of most e commercialism merchandiser accounts gives us elaborate
applied mathematics info regarding our consumers placement age etc, our money flow (incomes,
gateway expenses, totals, etc.), and other important information, which can be vital when market
strategies are being planned.
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University Of Central Punjab
Visa, MasterCard, etc.
E-Commerce accounts are able to process any type of Visa and MasterCard s but the charges or
cost is depend on the concern bank policy.
Servers of HBL:
HBL has a centralized server machines running day and night to ensure the maximum uptime
and top notch quality to their applications which dramatically support their whole business
process. The bank servers resides in different cities and data centers of Pakistan i.e. Karachi,
Lahore, Islamabad and all of them are interconnected with each other for real time data update
and synchronization. As a rule stated by STATE BANK OF PAKISTAN; A bank must have 3
years of customer data in their servers. To abide this rule, HBL stores the last 3+ years of data
into their local sever which are residing in Pakistanis data centers for quick access of data and
other issues. The bank archives the old data to their Main Server and when any branch need to
access the old data; they connect to the Main servers and download the required data. The
configuration of server depends upon the load of work it handles and the application which
is running on the server. If the application is critical then the server is also of high configuration.
Networks in HBL:
Networking is the milestone achieved by HBL which gives the integration between information
systems of various departments. HBL is using CISCO networks to maximize the outcome and to
enhance the communication quality within their organization which results in the better
service. Standard Chartered has different types of network configuration for different scenarios;
some of them are discussed below.
Local Area Network (LAN):
The local area network (LAN) is running inside the organization and providing ultimate
connectivity between the employees and other persons. There are some Workgroup applications
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University Of Central Punjab
also running over their LAN for easy collaboration between the employees of same and different
departments. The LAN is not exposed to the outside world for security reasons and there is
aproxy server running for connectivity outside the organization which makes sure the internal
network is not exposed to the internet
Network betweendata centre:
As HBL has different servers located at different areas of Pakistan, so the networking between
them is necessary. Each data center is directly connected to another datacenter using two links
(i.e. Radio & Optical Fiber) because if one link goes down, there is a second one to give backup
link, If a wired is cut off then the radio link is available for connectivity and if there is a
frequency block in radio link, there is a wired link to give backup to the network. Each branch
has two links, one is DXX which is connected to the nearest data center and another link is
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VSAT which is connected to the second nearest data center to make sure branch keep working if
there is a problem occur in any one of the datacenters.
Diagramof ATM Machine:
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HARDWARE USED BY HABIB BANK
The part that can be seen or touched is called hardware. As the name represents hard means hard,
so physical parts are called hardware. The term hardware refers to machinery. This category
includes the computer itself, which is often referred to as the central processing unit (CPU), and
all of its support equipment.
Description Quantity
Database server 1
Related server 6
Network printer 1
Lcd monitor 20
Laptops 3
Laser printer 2
Printers 3
Scaners 2
Photocopier 1
Generators 1
Ups 2
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SOFTWARE USED BY HABIB BANK
“Set of instructions given to the computer to solve a problem. The term software refers to
computer programs and the manuals that support them. Computer programs are machine-
readable instructions that direct the system to perform certain task.
OPERATING SYSTEM SOFTWARE:
Misys is being used as the main operating system in Habib Bank according to
them it is more powerful than Windows. Having built-in office and e-mail(external & internal)
MULTI-USER ONLINE BANKING (MOB)
The main system used by the bank is called Multi-user Online Banking (MOB).This is the main
system through which all of the branches of Habib Bank are linked together. This system has
many sub systems of which the foremost and important is Management information system.
Multi-user Online Banking (MOB) works in such
away that for example if customer opens an account in Habib Bank once thatinformation is fed
into the system then that information will become available to all the braches of Habib Bank
located in Pakistan. For instance if the account has been opened in Islamabad the customer can
deposit and withdraw money from wherever in Pakistan from an on-line branch, this is mainly
possible through Multi-user Online Banking(MOB).
Multiuser Online Banking (MOB) is a customer made software and thecomputer language that h
as been used to develop is Common Business OrientedLanguage (COBOL).The software of
MOB has been kept different from same type of software so as to prevent unauthorized entry.
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Communication software:
The communication between the departments is mostly done thru emails and the software used
for this purpose is
Outlook
SUPPORTING SOFTWARES:
HBL uses following supporting software through them are performing there work daily and that
are:
MS WORD
MS EXCEL
MS POWER POINT
MS ACCESS
CONCLUSION
HBL is clearly the first choice of every one who believes in qualitative approach of banking
an environment of highly responsible people. Bank is enjoying a healthy market share and taste
of good status in terms of its operative features and customer support. HBL is clearly the best
bank operating in Pakistan. Personal loan is a distinguished feature of HBL experiencing a good
reputation and reasonable markup with respect to prevailing market mark up with assurance
of satisfaction and support. HBL has more customers as compare to other banks, if they given
proper attention to every customer then in few years it will be the leading bank of the country.
References:
www.hbl.com
www.wikipedia.com
Shoiab Usman (CMO HBL Madina Town Branch)
www.google.com