Introduction to HBL:

Habib Bank Limited commonly referred to as "HBL" and head-quartered in Habib

Bank Plaza, Karachi, Pakistan, is the largest bank in Pakistan. The bank has a network of
1425 branches in Pakistan and 55 branches worldwide. It has a domestic market share of
over 40%. It continues to dominate the commercial banking sector with a major market
share in inward foreign remittances (55%) and loans to small industries, traders and
farmers. Overseas, it has operations in the following countries:
Afganistan, Australia, Bahrain, Bangladesh, Belgium, Canada, China, France, Hong
Kong, Iran, Kenya, Lebanon, Maldives, Nepal, Netherlands, Nigeria, Oman,
Singapore, Sri Lanka, Turkey, UAE, UK & USA.

History of the Company:

M. ISMAIL
(L1F07BBAM0001)-1

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

Mohammed Ali Jinnah, Pakistan's founding father, realized the importance of financial
intermediation while he was campaigning for the creation of a separate homeland for the
Muslims of India. He persuaded the Habib family to establish a commercial bank that
could serve the Indian Muslim community. His initiative resulted in the creation of Habib
Bank in 1941, with HO in Bombay (now Mumbai), and fixed capital of 25,000 rupees.
The bank played an important role in mobilizing funds from the Muslim community to
finance the All-India Muslim League's campaign for the establishment of Pakistan. Habib
Bank also played an important role in channeling relief funds to the people hurt in the
communal riots and violence that preceded the departure of the British from India.
After Pakistan was born in 1947, Habib Bank, at the urging of Governor-General Jinnah,
moved its headquarters to Karachi, Pakistan's first capital. This gave Karachi its first
commercial bank of the newly formed Islamic Republic of Pakistan. HBL was
incorporated on 25th August 1941 and operated in the private sector until its
nationalization in 1974. HBL has been approved for privatization and the privatization
commission has selected a Financial Advisor to prepare a comprehensive plan and assist
in the sale process. The government has appointed a professional management team to
restructure the bank and to recover and clean its doubtful and classified portfolio.
M. ISMAIL
(L1F07BBAM0001)-2

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

Services:
Habib Bank offers the basic range of banking services to its customers, to include
Commercial, Corporate, Investment, and Retail Banking, Treasury, and Islamic Banking.

Company Description:
HBL is a Banking Company, which is engaged in Commercial & Retail Banking and
related services domestically and overseas.

Brand of HBL:
HBL says Our brand identity is the outward expression of what we stand for as an
organization. This is summarized in our vision, mission and is supported by our values.

Vision of HBL:

Enabling people to advance with confidence and success

Mission & Mission statement of HBL:

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

Values of HBL:
M. ISMAIL
(L1F07BBAM0001)-3

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

HBLs values are the fundamental principles that define its culture and are
brought to life in its attitudes and behavior. It is companys values that make
its unique and unmistakable. Company values are defined below:

Excellence

Integrity

Customer focus

Meritocracy

Progressiveness

Excellence:
This is at the core of everything HBL does. The markets in which HBL operates are
becoming increasingly competitive, giving their customers an abundance of choice. Only
through being the very best - in terms of the service HBL offers, its products and
premises - can it hope to be successful and grow.

Integrity:
HBL is the leading bank in Pakistan and its success depends upon trust. Its customers and society in general - expect it to possess and steadfastly adhere to high moral
principles and professional standards.

Customer focus:
HBL understands fully the needs of its customers and adapts its products and services to
meet these. HBL always strives to put the satisfaction of its customers first.

Meritocracy:
HBL believes in giving opportunities and advantages to its employees on the basis of
their ability. HBL believes in rewarding achievement and in providing first-class career
opportunities for all.

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

M. ISMAIL
(L1F07BBAM0001)-4

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

Operational Structure:
HBL is one of the largest commercial bank of Pakistan. It accounts for a substantial share
(20%) of the total commercial banking market in Pakistan with a network of 1,705
domestic branches; 55 overseas branches in 26 countries spread over Europe, the Middle
East, Far East, Asia, Africa and the United States; 3 HBL wholly owned Subsidiaries
namely Habib Bank Financial Services (PVT) LTD. Karachi, Habib Finance International
LTD (Hong Kong) and Habib Finance Australia Ltd. Sydney; 2 Joint Ventures namely
Habib Nigeria Bank Ltd. (40%) and Himalayan Bank Ltd. (20%) and 2 representative
offices in Iran and Egypt.

Domestic and International Networks:

Major Local Market Presence: HBL is one of the largest commercial banks in Pakistan
representing approximately 20% of the assets and deposits of the banking sector.
A Household Name: HBL's brand name is well established. It has an extensive domestic network
of 1705 branches reaching virtually every segment of the Pakistani economy.

A Full Service Bank: HBL provides its customers a complete range of banking products
and services including retail banking, corporate and institutional banking, trade finance,
consumer finance and credit cards.
An International Bank: HBL has a presence globally through an extensive international branch
network described in the table below;

.
Country
AFRICA
Kenya
Mauritius
Seychelles
Sweden
ASIA
Bangladesh
Fiji Islands

M. ISMAIL
(L1F07BBAM0001)-5

Status

Opened

Branches

Branch Operation
Branch Operation
Branch Operation
Branch Operation

1956
1964
1976
1982

5
4
1
1

Branch Operation
Branch Operation

1976
1991

2
1

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

Maldives
Singapore
Sri Lanka
Karachi EPZ
MIDDLE EAST
Bahrain
Lebanon
Oman
UAE
EUROPE
Belgium
France
Netherlands
Turkey
UK
USA

Branch Operation
Branch Operation /OBU
Branch Operation
Branch Operation

1976
1971
1951
1983

1
1
3
1

Branch Operation /OBU

Branch Operation
Branch Operation
Branch Operation

1969
1964
1972
1966

3
1
11
8

Branch Operation
Branch Operation
Branch Operation
Branch Operation
Branch Operation
Branch Operation

1975
1980
1979
1983
1961
1971

1
1
1
1
6
1

Ownership Structure
Shareholder

Percentage (%)

State Bank of Pakistan

Islamic Republic of Pakistan
State Life Insurance Corp. of Pakistan
Other Public Bodies
Outstanding Shares (1,217,849,500)

92.24
1.30
0.23
0.05
100

National and International events of HBL:

1951 HBL opened the first of 3 branches in Sri Lanka.

1952 HBL established Habib Bank (Overseas).

1956 HBL opened first of 5 branches in Kenya.

1957 or 1958 HBL opened a branch in Aden.

1961 HBL opened the first of what would become 6 branches in the UK.

1964 HBL opened the first of 4 branches in Mauritius and a branch in Beirut.

M. ISMAIL
(L1F07BBAM0001)-6

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

1966 HBL opened the first of 8 branches in the UAE.

1969 HBL opened first of 3 branches and an OBU in Bahrain. However, HBs
branch in Aden is nationalized.

1971 HBL opened an OBU in Singapore and a branch in New York.

1972 HBL opened the first of 11 branches in Oman. HBL constructed Habib
Bank Plaza in Karachi to commemorate the banks 25th Anniversary.

1974 The government of Pakistan nationalized HBL and HBL merged with
Habib Bank (Overseas).

1975 HBL opened a branch in Belgium. HBL also merged with Standard
Bank, a Pakistani bank.

1976 HBL opened a branch in the Seychelles, the first of two branches in
Bangladesh, and a branch in the Maldives.

1979 HBL opened a branch in the Netherlands.

1980 HBL opened a branch in Paris and another in Hong Kong.

1981 HBL established Nigeria Habib Bank with 40% ownership. HBL also
opened a representative office in Teheran.

1982 HBL opened a branch in Khartoum.

1983 HBL opened branch in the Karachi EPZ and a branch in Istanbul.

1984 HBL established Habib American Bank in New York with a branch each
in Manhattan and Queens, and a US International Banking Facility. HBL also
opened a branch in California.

1987 HBL opened in Australia.

1991 The Habib Group established a separate private bank, the Bank AL
Habib, after private banking was re-established in Pakistan. HBL opened a
branch in the Fiji Islands, and took over the Paksistani branches of failed
bank, BCCI.

1992 In Nepal HBL acquired 20% of Himalayan Bank.

1995 HBL established a representative office in Cairo.

M. ISMAIL
(L1F07BBAM0001)-7

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

1990s HBL established Habib Finance (Australia), and Habib Finance

International Limited, Hong Kong.

2000 HBL established Habib Canadian Bank.

2002 On June 13, 2002 Pakistan's Privatization Commission announced that

the Government of Pakistan had granted the Aga Khan Fund for Economic
Development (AKFED), a subsidiary of the Aga Khan Development Network,
rights to 51% of the shareholding in HBL, against an investment of PKR
22.409 billion (USD 389 million).

HBL's UK operation came close to being shut down due to regulatory issues
with the Financial Services Authority. The issue was resolved by converting
the operations to a subsidiary. Then Habib Bank Limited and Allied Bank of
Pakistan merged their operations (Habib contributed its 6 branches and Allied
its 4), into a new bank, called Habib-Allied International Bank, in which
Habib Bank has a 90.5 percent shareholding, while Allied Bank has 9.5
percent. Simultaneously with the transfer of business to the new bank, both
Allied and Habib Bank close down all independent operations in the UK.

2003 HBL received permission to open a branch in Afghanistan.

2004 On February 26, the Government of Pakistan handed over management

control of Habib Bank to AKFED. The Board of Directors was reconstituted
to have four AKFED nominees, including the Chairman and the
President/CEO and three Government of Pakistan nominees.

2006 HBL sold the operations that it had established in Fiji in 1991 to Bank of
South Pacific.

Board of Directors

Sultan Ali Allana

Chairman

R. Zakir Mahmood

President & CEO

Iain Donald Cheyne

M. ISMAIL
(L1F07BBAM0001)-8

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

Director

Sajid Zahid

Director

Ahmed Jawad

Director

Mushtaq Malik

Director

Yasin Malik

Director

Board Committees
Audit Committee

Mr. Iain Donald Cheyne

Chairman

Mr. Sajid Zahid

Member

Mr. Ahmed Jawad

Member
Risk Management Committee

Mr. Sultan Ali Allana

Chairman

Mr. R. Zakir Mahmood

Member

Mr. Mushtaq Malik

Member
Human Resource Committee

Mr. Sultan Ali Allana

Chairman

Mr. R. Zakir Mahmood

Member
M. ISMAIL
(L1F07BBAM0001)-9

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

Mr. Sajid Zahid

Member
Group Chief Financial Officer

Mr. Ayaz Ahmed

Company Secretary

Ms. Nausheen Ahmad

Legal Advisor

Mahmood Yousuf Mandviwalla

Bar-at-Law
Auditors

KPMG Taseer Hadi & Co.

Chartered Accountants

Registered Office
4th Floor, Habib Bank Tower
Jinnah Avenue
Islamabad, Pakistan.
Phone: 051-2872203 & 051-2821183
Fax: 051-2872205
Head Office
Habib Bank Plaza
I.I. Chundrigar Road
Karachi - 75650, Pakistan.
Phone: 021-2418000 [50 lines]
Fax: 021-9217511
Registrars
THK Associates (Pvt.) Ltd.
Ground Floor State Life Bldg. No. 3
Dr. Ziauddin Ahmed Road
Karachi.
Websites

M. ISMAIL
(L1F07BBAM0001)-10

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

Corporate
www.hbl.com
Treasury
www.hblgtr.com.pk
Internet Banking
www.hblibank.com

Famous Controversy:
Habib bank has long been scrutinized by intelligence officials monitoring terrorist money
flows.
On July 18, 2007, Mariane Pearl, the widow of Wall Street Journal reporter Daniel Pearl,
filed a lawsuit against Habib Bank Ltd over the 2002 abduction, torture and murder of her
husband. The pending lawsuit alleges the bank and its subsidiaries knowingly conducted
financial transactions and provided account services on behalf of Al Akhtar Trust, a
Pakistani based charity trust. Al Akhtar Trusts accounts have been used to provide
financial support to terrorists. However, HBL claims to have froze Al Akhtar Trusts
accounts several years before Daniel Pearls abduction.
On October 24, 2007, Pearl's lawsuit against HBL was formally dropped. Lawyers for
Mariane Pearl noted that Habib Bank Limited and the other defendants in the case had
not answered the lawsuit filed in July (although Habib Bank Limited had denied ever
supporting terrorism) , but they otherwise did not explain their reason for dropping the
action.
The U.S. Federal Reserve Board and the New York State Banking Department criticized
Habib Bank Limited for failing to address deficiencies in its compliance with U.S. antimoney laundering laws. After the U.S. Federal Reserve Board threatened formal charges,
though none were filed, Habib Bank Limited agreed to strengthen the banks compliance.
More specifically, the Fed ordered HBL to strengthen its transaction monitoring systems

M. ISMAIL
(L1F07BBAM0001)-11

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

and the filing of "suspicious activity reports" on transactions that do not fit the routine
business patterns of the bank's customer base.
Habib Bank Limited has also been said to be involved in large sums of money
transactions by the Pakistani intelligence agency the Inter Services Intelligence (ISI).
This is further supported by the recent book by L.K. Advani "My Country My Life" in
which he points out that the ISI's dealings in drugs overseas mainly involves transactions
through Habib Bank Limited and the funds are then transferred by various bank channels
to separatist groups in various states in India.

Corporate Strategy and Businesses:

Growth
Maintaining a mix of short & long term deposits to minimize the cost of funds.

Asset Quality
Stringent Risk Management
Unified IT System
Intensive Training and Professional Recruitment

Focus
Re-organization of the Consumer and Retail Banking Businesses
IT system enhancement
Product offering enhancement
Advancement of operations in urban areas

Businesses
Retail Banking
Deposit Mobilization

Largest branch network in Pakistan

Urban - 703 branches 80% deposits and 94% advances

M. ISMAIL
(L1F07BBAM0001)-12

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

Rural - 734 branches 20% deposits and 6% advances

Largest customer deposit base: 5mn+

Low cost/stable deposits

48% of total deposits

Agriculture Financing
Serves rural customer needs for agricultural inputs, storage facilities and
Mechanization. Provides short and medium term loans

Disbursement exceeds US$0.2bn during peak season

Dominant bank in this segment: 700+ rural branches

Islamic Banking

Exclusive Islamic Banking branch network for both assets and liabilities.

Corporate Banking
Serves large corporate customers: multinationals, local private sector corporate and
state owned entities
Largest Corporate Banking in Pakistan

Loan portfolio US$ 4.5 bn, market share corporate loans of 15% with
participation in more than 80% of all major transactions.

10 branches with over 500 customers

Specializes in working capital, trade, structured project finance & government

commodity operations.

Investment Banking
Corporate M&A Advisory, Debt and Equity Capital Markets, Private Placements,
Leverage Finance and Privatization Advisory

Established itself as a premier player in a short time

Handled over 80% of all major transactions taking place in Pakistan.

Commercial Banking
Middle Market (customers with annual revenue of more than US$ 5 mn)

Leading position in a competitive market with US$ 350 mn portfolio

18 branches, 1500 customers

M. ISMAIL
(L1F07BBAM0001)-13

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

Consumer Banking
Personal Loans, Auto Finance, Consumer Durables, Housing Finance and Balance
Transfer Facility
VISA Debit Card, Credit Card & CarToCar launched in 2005, 2007 & 2008 respectively.

Treasury
Money market, Forex and Primary dealer in government paper
New products launched: Derivatives (Interest Rate Swaps, FRAs, etc.)

Domestic Subsidiaries

Asset Management

Launched Income, Stock Market and Multi Assets Funds.

Habib Currency Exchange (Pvt.) Ltd.

Sale/purchase of foreign currency & remittances.

First Habib Modaraba

Leasing business with annual growth of over 15%.

Introduction of Human resource Management

department of HBL:
Human Resource management structure:
The HRM department plays an important role in value of any company. HBL has very
active and one of the best HR department in Pakistan as well as world wide. The structure
is as the President is assisted by ten Senior Executive Vice-Presidents and a staff of 29
Executive Vice Presidents, 154 Senior Vice Presidents, 420 Vice Presidents, 831 Assistant
Vice Presidents, 2350 officers Grade-I, 4108 officers Grade-II, 3364 officers Grade-III
and 10658 Clerical/Non-Clerical employees. The total staffing as per 1999 balance sheet
figures is 23022.

Strategic planning of HBL:

M. ISMAIL
(L1F07BBAM0001)-14

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

HBL uses two types of Corporate-level strategies

Diversification strategy

Geographic expansion strategy

Diversification Strategy: It implies that HBL will expand by adding new service
lines. With the passage of intervals HBL is used to introduce new banking services.

Geographic expansion strategy: It takes the company abroad. Acting upon this
strategy HBL has been expanded abroad. The abroad branches are mentioned above in
introduction section. HBL is planning to expand its business and branches in more
countries.
Business level strategies used by HBL are

Cost leadership

Differentiation

Focus

Cost leadership: HBL aim is to become low-cost leader in banking sectors that is why
HBL is providing effective services in low cost than other banks in Pakistan.

Differentiation: HBLs strategy is to provide unique banking services to its customers

in banking sectors to make itself valuable for its customers.

Focus: HBL provides banking services to its customer in that way that customer cannot
get that services from other competitors.

Functional Strategy:

M. ISMAIL
(L1F07BBAM0001)-15

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

HBL identifies basic courses of action that each department pursues in order to get basic
goals and objectives of HBL. Harmony of departments towards HBLs single goal makes
it unique in the competitive market.

Job Analysis:
The procedure for determining the duties and skill requirements of a job and the kind of
person who should be hired for it is called Job analysis. Job analysis is every important as
job analysis information is used in Selecting and recruiting, compensation, performance
appraisal, training and in resolving other issues which HBL faces. HBL takes Job analysis
services from Sidat Hyder Morshed Association (SHMA) which is the biggest HR
consulting firm in Pakistan. The methods which are used in collecting job analysis
information are

The interview

Questionnaires

The Interview for job analysis:

Interview is a big source in collecting information in the job analysis. Individual
employees, group of employees and supervisors with vast knowledge about jobs are
interviewed. The format of interview is Structured and unstructured. In structured
interview a set of sequence of questions are followed by interviewers and in unstructured
type of interview the interviewer pursues points of interest as they come up in response to
questions.

Questionnaires:
In questionnaire the employees solve the fill out questionnaires to describe their jobrelated duties and responsibilities. The formats of questionnaires are either structured or
open ended.

M. ISMAIL
(L1F07BBAM0001)-16

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

Quantitative job analysis techniques:

Following methods are also used in job analysis which are called quantitative job analysis
techniques
The position analysis questionnaire (PAQ):
A questionnaire used to collect quantifiable data concerning the duties and
responsibilities of various jobs.
The Department of Labor (DOL) procedure:
A standardized method by which different jobs can be quantitatively rated, classified, and
compared.

Job description:
After getting job analysis information the next step is to describe job description which
contains the points of job identification, job summary, chain of command relationships),
responsibilities and duties, standard occupational classifications and standard of
performance and working conditions.

Job specifications:
After formulating job description the next step taken is job specification in which the
traits of employees are defined who are assumed suitable for the job.

HR manual contains five processes

1. Selecting and Recruiting
2. Training and Development
3. Performance Appraisal

M. ISMAIL
(L1F07BBAM0001)-17

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

4. Compensation
5. Employee relation

1. Selecting and Recruiting:

The recruitment and selection process starts with employment planning. This process of
deciding what positions the firm will have to fill, and how to fill them. Personnel or
employment planning embraces all future positions, from maintenance clerk to CEO.
Selecting and recruiting process according to HBL
The diagram below represents the process on which HBLs selection is based. This gives
an overview to potential candidates as to the steps involved in becoming a part of the
HBL team.

In recruitment process first of all planning session is occurred, in planning session it is

determined that which section HBL will have to fill and how to fill. If there is a vacancy
of executive job then succession planning is done for filling that vacant place.
Analysis of positions and requirement:
M. ISMAIL
(L1F07BBAM0001)-18

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

After planning it is analyzed that which position is going to be filled and the requirement
is analyze by job analysis.
Identify candidates:
HBL identifies its candidates by developing the criteria of job description and job
specification and acting upon these criteria job vacancy ads are spread through different
Medias like newspapers and internet.
Outside sources:
HBL uses outside sources for recruitment which are

Advertising

1. Newspapers (Daily Jung, Nawa-e-Waqt, The Nation, Dawn and Daily Khabrein
etc)
2. Trade and professional journals (Aurora Magazine)
3. Internet job sites (rozee.pk)

Outside sources of candidates:

1. Sidat Hyder Morched Association works for outsourcing for HBL.
2. College recruitment
3. Employee referrals
4. Walk-ins

Finding internal candidates:

1. Job Posting
2. Rehiring former employees
Prescreening and short listing:
Many candidates apply for job in response to vacancy ads by submitting their CVs.
Selection board goes through those CVs and selects those candidates which initially
fulfill criteria of selection board. After prescreening selection board short lists the
candidates who are considered most suitable for job at initial level on the basis of their
resume.
Test/ interview:
In this process short listed candidates are called for test and interview according to nature
of their applied jobs.
Selection Interview:
M. ISMAIL
(L1F07BBAM0001)-19

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

Selection interview is conducted for short listed candidates. A selection interview is the
procedure designed to predict future job performance on the basis of applicants oral
responses to oral inquiries.
Formats used in selection interview:

Structured/Directed

Unstructured/Non directed

Modes of Interview:

Penal interview

An interview in which a group of interviewers questions the applicant.

Structured sequential interview

An interview in which the applicant is interviewed sequentially by several persons; each

rates the applicant on a standard form.
Types of questions:

Situational:

A series of job-related questions that focus on how the candidate would behave in a given
situation.

Job related:

A series of job-related questions that focus on relevant past job-related behaviors. These
types of questions are asked from those candidates who have past experience of job.

Stress:

An interview in which the interviewer seeks to make the applicant uncomfortable with
occasionally rude questions that supposedly to spot sensitive applicants and those with
low or high stress tolerance. These sorts of questions are asked according to high
designation of candidate.

Puzzle questions:

Recruiters for technical and finance job use questions to pose problems requiring unique
solutions to see how candidates think under pressure.
Testing:
Organizational performance always depends in part on subordinates having the right
skills and attributes. Keep in view this point HBL tries its level best to hire highly skilled
M. ISMAIL
(L1F07BBAM0001)-20

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

and suitable employee for each job. For judging these skills HBL conducted some tests of
employees on the basis of

Reliability

Test validity

The consistency of scores obtained by the same person when retested with the identical or
equivalent tests is called reliability and the accuracy with which a test and interview what
it purports to measure or fulfills the function it was designed to fill is referred as validity.
Types of test:
Generally two types of tests are taken in HBL

Tests of Cognitive ability

Physical tests

o Cognitive test abilities consists of

1. Intelligence Tests
Tests of general intellectual abilities that measure a range of abilities, including memory,
vocabulary, verbal fluency, and numerical ability are intelligence tests.
2. Aptitude tests
Tests that measure specific mental abilities, such as inductive and deductive reasoning,
verbal comprehension, memory, and numerical ability are aptitude tests.
o Tests of physical abilities
Tests that measure static strength, dynamic strength, body coordination, and stamina are
physical. Job related to guards and deliverers go through this sort of test.
HBL adopts recruitment process as

Entry level programs

Experienced professionals

Campus recruitment

Rehiring

Entry Level Programs:

M. ISMAIL
(L1F07BBAM0001)-21

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

HBLs Entry-Level Programs are structured to ensure that you will quickly assume
responsibility for concrete tasks and important projects. Rotational assignments across
different business units provide a comprehensive and valuable experience in a relatively
short amount of time.

Experienced Level Program:

HBL recruits experienced professionals in all areas of the bank and encourage the
creation and pursuit of innovative ideas. HBLs dynamic work environment offers diverse
opportunities to stimulate ongoing employee needs and supports career enhancement
opportunities. HBL encourages you to explore this section to find out about current job
openings and how to submit your resume.

Campus recruitment:
HBL is proud of its ability to nurture individuals and empower them to hone their talents.
HBL size gives itself the unique ability to provide fast growth and significant
responsibility early on in a career with multiple avenues to reach the top.
As part of HBLs human resource strategy, HBL visits various universities across the
country to induct & groom fresh business graduates every year. Enthusiastic and talented
youth form the backbone of its banking operations and are nurtured to become future
leaders at HBL.
To attract the best young talent, HBLs resource department employs a pro-active
strategy. HBL actively participates in campus seminars by giving presentations that
highlight HBLs background, vision, mission, values, recruitment & selection process,
future career prospects and overall business strategies. HBL hires 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.

Rehiring Former employees:

It is an internal hiring source. Rehiring the former employees is the process in which
HBL rehires the former employees. But this process is practiced very rarely.

Final Selection:

M. ISMAIL
(L1F07BBAM0001)-22

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

After going trough all the processes the best candidates according to HBLs selection
boards are selected.

Orientation:
Just after final selection and before starting of training process orientation is conducted
for selected employees in orientation new employees are provided with basic background
information about the HBL the basic contents of successful orientation are
o Information on employee benefits
o Personnel policies
o The daily routine
o Company organization and operations
o Safety measures and regulations

2. Training and development:

Training is the process of teaching new employees the basic skills they need to perform
their jobs and development is result of that training.
For training and developing HBL follows five steps process of training and development
Needs analysis: Identify job performance skills needed, assess prospective
trainees skills, and develop objectives.
Instructional design: Produce the training program content, including workbooks,
exercises, and activities.
Validation: Presenting (trying out) the training to a small representative audience.
Implement the program: Actually training the targeted employee group.
Evaluation: Assesses the programs successes or failures.

Task analysis:

In this area a detailed study of a job to identify the specific skills required, especially for
new employees are analyzed.

Performance analysis:

After analyze the main tasks required in performing jobs it is verified that there is a
performance deficiency and determining whether that deficiency should be corrected

M. ISMAIL
(L1F07BBAM0001)-23

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

through training or through some other means (such as transferring the employee). If
there is found some deficiency in performing job then training is highly recommended to
recover deficiencies.
Training methods used by HBL:

On-the-job Training

Off-the-job Training

Apprenticeship Training

Informal learning

Effective lectures

On-the-job Training:
Having a person learn a job by actually doing the job is OJT. Methods of OJT are

Coaching or understudy

Job rotation

Special assignments

Action Learning

Coaching or understudy: It is the OJT method in which employee is coached and taught
by profession that how to do the job in order to meet HBLs goals and objectives. At
managerial level the trainee works directly with a senior manager or with the person he or
she is to replace; the latter is responsible for the trainees coaching.
It is done at all levels of job. New employees are trained through coaching and old
employees are also trained through this method like when some new innovation is
introduced old employees are trained in order to handle that new innovation. In 2008 all
managers have been trained to operate Misys Software (Automation of service provision
and book management).
Job Rotation: Moving a trainee from department to department to broaden his or her
experience and identify strong and weak points. Job rotation is usually done at
managerial level. HBLs Manager Associate (MA) program is used for job rotation
training.

M. ISMAIL
(L1F07BBAM0001)-24

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

Special Assignments: Special assignments are also given to employees for special
training. These assignments are actually related to tasks within the branch by achieving
those tasks assigned by trainer, employee get training.
Action Learning: Management trainees are allowed to work full-time analyzing and
solving problems in other departments. This OJT method is just for managerial level
employees.

Off-the-job Training:
It is the method which is opposite to the OJT. In this method employee does not get
training at his/her work place. This method of training is only for managerial level
employees. Off-the-job training methods are

Case study method

Outside seminars

Case study methods: special case studies are given to employees which contains some
dilemma about banking sector. By solving those case study problems employee gets
training to take bold and effective decision in crucial situations.
Outside seminars: HBL encourages its employees to participate in the seminars arranged
by banking sectors not just in the Pakistan but also beyond the boarders. By participating
in outside seminars employee gets authentic knowledge about the new horizons of
banking sector which is useful for HBL and makes it leading bank in Pakistan.

Apprenticeship Training:
A structured process by which employees become skilled workers through a combination
of classroom instruction and on-the-job training. It is actually combination of OJT and
lectures delivered to employees. It may be for both levels of managerial and fresh
employee. In this method employee is first given the lecture about his/her job and after
that implementation of lecture in practical field is observed.

Informal Learning:
The majority of what employees learn on the job they learn through informal means of
performing their jobs on a daily basis.

Effective Lectures:

M. ISMAIL
(L1F07BBAM0001)-25

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

Lectures about jobs are also delivered. These lectures are delivered to new employees as
well as senior level employees and managerial level too. In these lectures employees are
prepared for facing new challenges in the banking sectors and also told them how to
achieve those challenges.

Succession Planning:
It is actually management developing program. Management development is attempt to
improve current or future management performance by imparting knowledge, changing
attitudes, or increasing skills. In order to achieve management development, succession
planning is done. Succession planning is a process through which senior-level openings
are planned for and eventually filled. The main purposes of succession planning are
Anticipate management needs, Review firms management skills inventory, Create
replacement charts, Begin management development. HBLs Management Trainee (MT)
program deals with succession planning. MT is defined in the following section of
Training and developing methods.
Training and development programs at HBL:
HBL uses following programs for training and development

Management Trainee

Management associate

Cash officers

Internships

Management Trainee:
HBLs Management Trainee (MT) program looks for highly motivated individuals who
exhibit the potential to excel as future leaders. The program is geared towards providing
challenging work assignments complemented by a learning component for select
individuals from reputable universities. At HBL, the MT program offers extensive
interactive classroom training, on the job rotations and personal mentoring from senior
management to provide a comprehensive learning experience. The objective of the

M. ISMAIL
(L1F07BBAM0001)-26

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

program is to realize potential and translate the experience into a successful banking
career.

Management associate:
HBLs Management Associate Program is a training and rotational program focused on
dealing with branch banking requirements. It provides accelerated development
opportunities across HBLs branch network of Retail, Corporate & Commercial banking.
During this program, candidates are assigned with challenging business scenarios to
enhance their critical and analytic skills. Another crucial element of the program ensures
that managerial skills are honed and developed. This provides associates with the
expertise required to handle supervisory and administrative tasks that will result in the
development of successful business managers.

Cash officers:
HBLs Cash Officers Program catapults successful candidates to the front lines of the
bank. Candidates in this program are the banks ambassadors and must have exemplary
skills in dealing with clients. The program involves an extensive one-month training
period based on branch banking operations before placement in the branches. Energetic
and focused graduates from HEC recognized institutions with good communication and
interpersonal skills qualify for HBLs Cash Officers Program. Before being placed at
HBL branches, these individuals must exhibit a proven ability to add value and act as
agents of change.

Internships:
HBLs Internship Program offers promising students with the exciting opportunity to
apply their classroom learning experience to real life corporate assignments. Through the
program, internees can support their career goals by using the internship as a launching
pad for creating contacts with professionals in the field and identifying their own
competencies to build a successful career with HBL.

3. Performance Management and appraisal:

Evaluating an employees current and past performance relative to its performance
standards is called performance appraisal.

M. ISMAIL
(L1F07BBAM0001)-27

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

A process that consolidates goal settings, performance appraisal, and development into a
single common system to ensure that employees performance is according to companys
aims is called performance management.
Performance management and appraisal at HBL:
HBLs performance management and reward systems ensure that goals are met in an
effective and efficient manner. HBL defines a clear path for you to contribute to the
organizations overall goals, peppered with regular reviews and feedback to help you
gauge your progress. At HBL growth is not a function of time but rather of performance.
As your performance improves, the role that you play within the organization will
accelerate to reflect your input. HBL generally uses BARS (Behaviorally anchored
rating scale) it is an appraisal method that uses quantified scale with specific narrative
examples of good and poor performance.

Performance Appraisal form of HBL:

HBLs performance appraisal form contains two sheets, one is FORM B2 and other is
FORM B3. FORM B2 contains appraisal for Clerical staff at branch or Field Offices
there are two main headings Area/factors and level of achievement points. Level of
achievement point contains five points ratings A (4), B (3), C (2), D (0-1) and N/A.
AREA/factors contains five kind of factors which are

A-Productivity

B-Individual \attributes

C-Technology

D-Customer Service

E-Personal

Each area is further categorized in different factors.

Area A-Productivity contains
1. Job knowledge
2. TD clearing/Bills Ledger Posting
3. Timely Lodgment of Clearing
4. Followed Return unpaid cheques

M. ISMAIL
(L1F07BBAM0001)-28

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

5. Nothing of Stop Payment Instruction

6. Volume of Work Handled
7. Accuracy & Attention to Detail
8. Willingness & Ability to work with other units/people
9. Ability to write Effectively
10. Adoptability of new assignments
11. Deposit Mobilization /saving/current CPDC etc
12. Number of fresh account arranged
13. Reduction in customer complaint
14. Hajj application target
15. Timely Balancing of branch ledger/books etc
16. Accuracy in counting/cash handling & counting speed
17. Receiving of payments of utilities
18. Dispatch of requisite statements
19. Maintenance of guns in order
20. Zero theft
21. Delivery of letter/Dak in time
22. Quality of work
23. Speed of work
24. Filing and record keeping
25. Typing/data entry speed
26. Typing/data entry accuracy
B-Individual Attributes contains
1. Professional/technical knowledge & competency
2. Initiative (eagerness to learn, enlarge knowledge)
3. Reaction to responsibility
4. Sense of responsibility
5. Oral communication Ability
6. Written communication ability
7. Sorting of notes
M. ISMAIL
(L1F07BBAM0001)-29

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

8. Cash excess/shortage situation

9. Performing under pressure
10. Ability to work without supervision
11. Willing to work after office hours
C-Technology contains
1. Knowledge of computer
2. Knowledge of internet & E-mail
D-Customer contains
1. Courtesy to Customer
2. Rapport with customer
3. Creative response to customer needs
4. Business sense (maximum revenue/ minimum cost)
E-Personal contains
1. Health & energy
2. Appearance
3. Integrity & loyalty
4. Grooming
5. Manner of speech
6. Attitude
7. Intelligence
8. Leave record
9. Attendance record
10. Punctuality
Each factor is marked tick against level of achievement and in the end total points scored
is written in the specific box. Also the signatures of appraisee and appraiser are taken.

FORM B3:

M. ISMAIL
(L1F07BBAM0001)-30

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

This form contains two big boxes. First box is about Development Plan/ Supervisor
comments. In this box supervisor gives comments about appraisee strengths and further
appraisees development needs (need to improve academic & professional qualification).
Second box is called overall assessment box. In this box appraiser gives the overall
performance grade to appraisee according to B2 form and the grade is given in form of
A, B, C, D. Then comments of appraisee is also taken in form of agree/disagree. Then
overall assessment is reviewed by reviewer and reviewer gives its comments too, but it is
not necessary. After it final acceptance of appraisee is also taken along with signatures.
Following is some brief detail about appraisal areas

A-Productivity:
Productivity is actually about the performance of employee in the clerical field. It
indicates that how much effectively and efficiently an employee performs its duty and
how much employee is committed with the achievement of organizational goals and
objective. Following factors of Productivity are defined briefly;
Job knowledge: It is first and basic factor of productivity. This factor shows that how
much employee has awareness about his/her job.
TD clearing/Bill ledger posting: This productive factor indicates the ability of employee
about ledger posting of HBL. His shows how much an employee is expert and clear in
indicating or posting of ledger regularly.
Timely Lodgement of clearing: This is the job in which the employee of HBL is to
present the cheques of other banks, which are given by customers for depositing in their
accounts in the State Bank before 10 oclock. In this assessment it is determined whether
employee is punctual in presenting cheques to State Bank in the specific time.
Follow return unpaid cheques: In this job the employee is to return the unpaid cheques
to the bank before 3 pm which are rejected by State Bank due to some incompleteness
like absence of signatures, inefficient money in the account of customers or other reasons
cause refusal of cheques by State Bank. In performance appraisal it is assessed that
whether employee is fulfilling his job well or not and on the basis of his performance he
is given points.

M. ISMAIL
(L1F07BBAM0001)-31

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

Noting of Stop payment Instruction: In this job employee notes the stop payment
instruction due to lose of cheques by customer. If customer loses his/her cheques then
he/she has to tell about lost cheques to the branch of HBL and in response the employee
is to note down the stop payment and also feed this information in the computer for
database record in order to restrict misuse of the lost cheques.
Volume of work handled: In this assessment it is noted that how much volume of task or
work is being handled by employee and on the basis of volume of work handled the
employee gets points of achievement against the block in appraisal form.
Accuracy & attention to detail: In this job it is indicated that how much an employee is
attentive and accurate in noting down the job whether he/she is performing at desired
level or not.
Willingness and ability to work with other people/unit: In this section it is noted that
how much the employee is willing and how much he/she has the ability and quality to
perform well in the group of people or unit and it is determined is he/she is able to
perform in the group or not if a group task or assignment is given.
Ability to write effectively: In this assessment it is noted that how much employee has
effective skills of writing which matters in reporting or hand written application.
Adoptability of new assignments: In this job it is determined how much employee is
able adopt new assignments related to his/her job. Does he/she have ability to adopt new
challenges in his/her job?
Deposit Mobilization/saving/current CPDC etc: In this factor it is assessed that how
much the employee is responsible for depositing certificates of saving, current and CPDC
(Crore Pati Deposit Certificate) purchased by customers.
Number of fresh account arranged: In this job the employee is to arrange new accounts
by feed the data in the database system and issuing cheques books. In this assessment it is
appraised that how much the employee has arranged newly opened accounts and on the
basis of number the employee is granted with grade on the appraisal sheet.
Reduction in customer complaint: This job is related with customer service member. In
appraisal it is defined how many complaints of customers are reduced by employee.

M. ISMAIL
(L1F07BBAM0001)-32

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

Haj application target: This job is related with Islamic Banking section of HBL. Each
employee is given with the target of submission Haj application. On the basis of
submitted target Haj application employee gets point ratings on appraisal form.
Timely balancing of Branch Ledger/books: In this job employee has to balance the
branch ledger on the daily basis. On the basis of balancing of ledger in time the employee
is given grade points on appraisal sheet.
Accuracy in counting/cash handling & Counting speed: This determines that how
much employee is able to count or handle the cash efficiently and how fast cash is
counted by the employee.
Dispatch of requisite statements: In the bank the employee of related job is to dispatch
the balanced Ledger/Books, financial statements and number of accounts before authority
of branch on monthly basis. While appraising employee it is defined that how much
he/she is efficient and punctual in his/her job.
Maintenance of Guns in Order: In this assessment it is determined that how much the
employee is active in performing the order of his/her head. The obedience of the
employee to his/her head in the bank task is counted in this assessment.
Zero Theft: In assessment the employee is assessed according to handling of his/her
honesty in his/her job. It is counted that how much he/she has been committed with theft
in performing job.
Delivery of Letter/Dak in time: This job is about the deliverer of letter/Dak to the one
bank to other banks, one branch to other branches of HBL and dispatch of cheques to
State Bank. The employee is graded with points according to punctuality in delivery in
the appraisal form.
Quality of work: In this assessment the employee is given with grade points according to
quality of his/her performance in his/her specific job.
Speed of work: In the assessment of job this factor shows that how much fast and
efficient an employee is in performing his/her task related to his/her field.
Filing and record keeping: In this job the employee is to file and record the data of
customer for database. According to effectiveness of record keep employee gets points in
appraisal form.

M. ISMAIL
(L1F07BBAM0001)-33

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

Typing/Data entry speed: This is about computerized record keeping. In this factor it is
assessed that how much the employee has speed in typing data.
Typing/Data entry accuracy: In record keeping it is noted that how much accurate the
employee is in typing data for database.

B-Individual Attributes:
This area of factor is about the employees attribute or properties in performing job.
Followings are factors of individual attributes;
Professional/technical knowledge & competency: In this attribute it is checked that
how much the employee has professional skills about his/her job and how much he/she is
competent has technical knowledge about his/her job in the bank.
Initiative (eagerness to learn, enlarge knowledge): In this factor it is noted that how
much employee is eager to learn new thing about job and how much he/she is interested
in enlarging knowledge of job. Initiative factor is very important in job field cause initiate
new task in the field is good attribute of professional employee.
Reaction to responsibility: In this attribute it is assessed that how the employee reacts
when some responsibility is given to him, it is noted whether he/she reacts warmly and
professionally or considers new responsibility as a burden.
Sense of responsibility: in this attribute it is assessed that how the employee takes the
responsibility whether takes it professionally and serious or carelessly.
Oral Communication Ability: In this factor it is assessed that how much employee has
ability to communicate orally with the customers and head. Speaking skills are counted in
this appraisal.
Written Communication ability: In this attribute the ability and writing skills of
employee is assessed.
Sorting Notes: In this factor the ability of sorting and handling of currency notes are
judged. It is assessed that whether employee is sorting notes according to sequence.
Cash excess/shortage situation: Cash handling is noted in this factor. It is a negative
appraisal. Some time employee gives or receives more or less amount by customers, if
he/she gives more than real amount then he/she has to compensate this money from
his/her own pocket.

M. ISMAIL
(L1F07BBAM0001)-34

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

Performing under pressure: In this factor the performance of employee is assessed

under pressure situation. It is checked that how much he/she is capable and confident to
perform under pressure circumstances.
Ability to work without supervision: In this factor it is checked that how much the
employee is able to perform his/her duty efficiently without supervision and it is also
assessed that whether supervisor has to keep eye on his/her to get the work one.
Willing to work after office hours: In this factor it is noted that how much employee is
dedicated towards his/her job even after office hours.

C-Technology:
This is the area of appraisal in which the capability of using of technology of employee is
assessed. Followings are major factors of area of technology
Knowledge of computer: The knowledge of using of computer is counted in this factor.
Knowledge of e-mail & internet: The knowledge of internet and sending/receiving is
assessed in this factor of technology area.

D-Customer Service:
This is the area of appraisal in which the motivational and dedicated level of employee
toward customer service is assessed. Followings are factors of this area;
Courtesy to customers: in this factor of customer service area it is assessed that how
much employee is courteous towards customers, whether he/she is deals with customers
politely or harshly.
Rapport with customer: In this factor it is assessed that whether employee cashes the
cheques of customer within time or he/she makes customers wait due to his/her personal
gossips etc.
Creative response to customers needs: In this factor it is judged that how creatively
and professionally the employee responses to customers needs regarding banking
system.
Business sense: This factor determines the sense of employee regarding business that
whether he/she knows about economic terms and their uses.

E- Personal:
This is the area in which personality of employee is evaluated. Factors of this area are as
following;
M. ISMAIL
(L1F07BBAM0001)-35

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

Health & Energy: In this factor of personal area physical and mental health of
employee is evaluated and also the use energy of performing in job.
Appearance: In this factor the appearance of employee is counted. The dress code and
manner of dressing is assessed.
Integrity and Loyalty: In this factor the loyalty and integrity of employee is assessed.
The dedication and commitment of employee while performing duty is counted. Honesty
and faithfulness with job and company is also assessed.
Grooming: In this factor the development and grooming of employees personality is
counted.
Manner or Speech: In this factor of personality the manner of speech or manner of
talking to others are assessed. Manner of speech should be polite and understandable.
Attitude: In this factor the employee gets point on the basis of positive and professional
attitude in his/her personal life.
Intelligence: In this factor of personality the intelligence of employee is evaluated.
Attendance record/Leave Record/Punctuality: The employee is given grade points on
the basis of regular and timely attendance according to time table.

M. ISMAIL
(L1F07BBAM0001)-36

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

M. ISMAIL
(L1F07BBAM0001)-37

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

M. ISMAIL
(L1F07BBAM0001)-38

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

4. Compensation:
The salaries, rewards, bonuses, and incentives on the basis of job and performances are
compensations.
Compensation at HBL:
HBLs focus is on attracting, developing and retaining the best in the business by
offering market driven compensation and benefits packages. HBLs compensation and
benefits strategy combines the need to maintain a high performance culture along with
market competitiveness. Annual benchmarking exercises are conducted to stay abreast
with industry standards. According to performance each employ gets benefits and
compensation. Time does not matter only performance matters at HBL. Employees are
paid in two forms

Direct payments

Indirect payments

Direct financial payments: Pay in the form of wages, salaries, incentives, commissions,
and bonuses.
Indirect financial payments: This mode of payment is not related to cash payments like
medical, insurance, residence, car, car fuel etc.

5. Employee relation:
Employee Relations involves the body of work concerned with maintaining employeremployee relationships that contribute to satisfactory productivity, motivation, and
morale.

Essentially, Employee Relations is concerned with preventing and resolving

problems involving individuals which arise out of or affect work situations.

The environment at HBL is cultural, ethical and challenging that that encourages
creativity and commitment among employees. HBL fosters a work environment where
employees can realize their potential whether locally or in the international arena. Thus,
HBL enables its employees to achieve their professional goals while keeping in synch
with the banks overall objectives.

M. ISMAIL
(L1F07BBAM0001)-39

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

HBL believes in two skills for employee relation

Interpersonal communication
Conflict management
Interpersonal communication skill: At HBL the first skill for managers to understand
and practice is interpersonal communications, because it is the foundation for all actions
in the workplace and it allows the manager an opportunity to build relationships with the
overall workgroup without alienating anyone in the work environment. Working with
diverse groups of people requires a tremendous amount of interaction. If these
interactions are positive, they can help create the right workplace climate, attitudes,
beliefs and behaviors. Keeping in view these all points interpersonal HBL emphasizes on
strong interpersonal communication skill for effective accomplishment of goals.
Conflict management: In HBL the second skill for managers to leverage, is conflict
management. It is actually conflict resolving approach. Learning to leverage this skill
helps in resolving employee relations issues quickly and effectively, and creates greater
satisfaction with the workgroup. In this skill manager let his/her subordinates to speak
and say whatever they feel during working with manager. Manager cares employees
emotions and feelings.

Our Suggestions for betterment of HBL:

HBL is Pakistans largest bank. It should eliminate the cost of online banking
since they charge cost of online transaction or transfer.

HBL is initiator of Tele-banking service which is unique service in Pakistan.

Through this service we can get information about our personal account on
telephone. Most of times customers find the service operator busy. HBL should
increase their tele-banking service centre.

HBL has begun campus recruiting which provides youngsters to come ahead but
their campus recruiting process is so slow. They should increase their pace of
hiring youngsters as other banks are doing successfully. They should provide
more and more opportunities to fresh graduates and masters.

The process of promotion at HBL is slow so they should maximize the promotion
process which would be source of motivation for their employees.

M. ISMAIL
(L1F07BBAM0001)-40

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN

At many occasions HBLs ATM network gets slow and their AT machines dont
allow for transaction they should renew their ATM links in order to make their
customers avoiding inconvenience.

M. ISMAIL
(L1F07BBAM0001)-41

UNIVERSITY OF CENTRAL PUNJAB LAHORE, PAKISTAN