Beruflich Dokumente
Kultur Dokumente
SIKANDAR MUSTAFA
(Director)
R.ZAKIR MAHMOOD
(President & CEO)
Management
1. R. ZAKIR MAHMOOD
President & CEO
2. SIMA KAMIL
Head-retail & consumer banking
3. AYAZ AHMED
Chief financial officer
4. JAMIL IQBAL
Chief Compliance officer
5. SALIM AMLANI
Group internal audit
6. TULU ISLAM
GM-BRANCH & TRADE OPERATIONS
7. NAUSHEEN AHMED
Company secretary & head legal
8. SOHAIL MALIK
Chief risk officer
9. NAUMAN K. DAR
Head-corporate & investment banking and
International banking
10. ABID SATTAR
Head-Global operations & learning and development
11. MUDASSIR H. KHAN
Chief information officer
2009
The Best Emerging Market Bank in Pakistan
HBL Among Top 500 Global Financial Brands
AWARDS
2010
Cash withdrawal
Funds Transfer
Account Balance
HBL Credit Card bill
Enquiry
payment
Mini Statement
Cheque book Request
Funds Transfer
Utility Bills payment
Utility Bill
Payment
Mobile Banking Phone Banking
Credit Limits
Minimum Minimum
150000 20000
Maximum Maximum
500000 149000
HBL ADVANCES
Car Loan
HBL CarLoan helps you get your preferred car through a simple
and hassle-free process, backed by superior service and support.
Features
HBL is the largest private bank in Pakistan now and people trust is very high
Excellent branches appearance gives an edge to HBL over other banks. The
branches are well furnished even in less developed areas where other banks
branches give a poor view.
WEAKNESS
All branches are not online
Large deposit base and funds flow can help to avail related market
opportunities
Threats
Other private commercial bank with sound profitability is also a
threat to HBL e.g. UBL, Alfalfa, MCB etc.
Themselves
Others
Organization
Society
Nature
Following are the main factors. Which arise because of change
in socio-cultural environment?
Consciousness about services
Concern for environment
Improved customer relation
TECHNOLOGICAL FACTORS
Forces of technological advancement have played the
most dramatic role in shaping the lives of people. The
rate of change of technology has greatly affected the
rate of growth of economy. New technology is
creating deep rooted affects which could be observed
in long run.
Financial Analysis
MAIN PROBLEMS
There is noticeable communication gap between upper level management
and operational staff.
Mismanagementofresourcesmustbeavoidedasmuchaspossibleas
adecreaseprofitbutdiscouragehardworkersandhonestemployees.
Recomendations
Freshgraduatesmustberecruited,asthecombinationofexperience
andfreshcanproducebetterresultanditwillimprovetheefficiencyof
management.
HabibBankisgoingtowardsmobilebankingbuttheproblemisthat
acommonclienthasnoideaofitsusageduetolackofmarketing.I
think that a proper marketing program must be launched for client
awareness.
Banksdifferentschememustbeconveytothetargetedcustomers
sothattohaveareasonableshareinmarket.
Bankshouldhelpthesocietybyprovidinginterestfreeloanstothe
talentedstudents.
Conclusion
HBL is clearly thefirst choice of everyone who believes
inqualitative approach ofbanking an environment of highly
responsible people. Bank is enjoying a healthy market share and
taste ofgood status in terms of its operative features
support. HBL is clearly the best bankoperating in Pakistan.
Corporateandcommercialfunctionsaredistinguishedfeaturesof
HBLexperiencing a good reputation and reasonable mark up
with respect to prevailing market mark up with assurance of
satisfaction and support. HBL has more customers as compare to
otherbanks,iftheygivenproperattentiontoeverycustomerthen
infewyearsitwillbetheleadingbankofthecountry