Presented to

Miss. Rubina Basheer

Presented by

Yasir Sultan M09MBA032

Sultan Haider M09MBA017
Muhammud Usman M09MBA030
Anas Abdullah Sajid BIN Basheer M09MBA075
Oomparison of

Habib Bank Limited

&
Muslim commercial Bank
 =ision

Enabling people
to advance with
confidence and
success.
 Mission
To make our Investor
(s) prosper, our staff
excel and to create
value for our
stakeholders.
—


The first commercial bank in Pakistan
The largest Bank of Pakistan
No of branches are more than 1450 across the country
Serving 25 countries around the globe with 65 branches
Market share Of 40%
Oredit Rating for SHORT TERM A-1+ LONG TERM AA1
 History
È Established By Mr.Ismaeel Habib on 25th August 1942
in Bombay.
ÈQuaid-e-Azam opened his personal account with HBL
ÈHBL moved its head office to Karachi in 1947
ÈHabib plaza was built in 1972
ÈNationalization 1974
ÈPrivatization 29 December 2003
2



È Habib Bank Plaza
I.I.Ohundrigar Road
Karachi.
 s


È Ourrent Accounts È Term Accounts
È HBL Freedom Account
È 2






È HBL Business =alue
È —


  

account
È Ourrent Account È Foreign Ourrency
È Basic Banking Account Accounts
È Saving Accounts È  
 (Foreign Ourrency
È 2
 
Accounts)
È  



È 2   (High Yield Foreign
È  


 

 Ourrency Fixed Deposit)
È 




È




È
 
 


 =ision

To be the leading
financial service
provider, partnering
with our customers for
a more prosperous
and secure future
 Mission

We are a team of committed

professionals, providing
innovative and efficient
financial solutions to create
and nurture long-term
relationships with our
customers. In doing so, we
ensure that our shareholders
can invest with confidence in us
 History
ü MOB is one of the leading bank in Pakistan,
incorporated by   group in 09,July
1947.

ü In 1974, MOB was nationalized along with

all other private sectors and banks and after
that it was privatized in 1991
 Introduction
ü Nationwide network of branches over 1100
ü 1100 branches are online and including 11 Islamic Banking
Branches
ü A nationwide distribution network of 450 ATMs in the
market.
ü Bank has achieved the profit of 22 billion rupees pre tax
during the last 3 months.
ü The system of Oentralization is used by MOB
ü Bank has approximately 4.5 million customers.
ü MOB has the 4th largest branch network and the largest
ATM network in Pakistan
2



È MOB ¢
,
I.I. Ohundrigar
Road, 
 Deposit Accounts

È Ourrent Accounts È Term Accounts

È OURRENT AOOOUNT
È OURRENT LIFE AOOOUNT
È SPEOIAL RUPEE TERM
È BUSINESS AOOOUNT

È Saving Accounts È Foreign Ourrency Accounts

È BASIO BANKING AOOOUNT È FOREIGN OURRENOY
È SA=INGS AOOOUNT AOOOUNT
È SA=INGS 365 GOLD
È SMART DOLLAR AOOOUNT
È Smart Saving Accounts
È SA=INGS XTRA
Sultan Haider

M09MBA017
 Ourrent Accounts
2  

È On a monthly balance of Rs. 25,000 or more, avail a
host of    
  including.
È   cash withdrawal & deposit transactions through any
HBL branch
È   online funds transfer transactions
È   ATM transactions through HBL network
È   SMS alerts* on transactions above PKR 25,000
 Ourrent Accounts
2 
 

È Up to 5.35% profit per annum*
È Profit calculated daily, paid every quarter
È No minimum balance requirement
È Nominal monthly maintenance charge of Rs. 50
È Up to 10 Bankers Oheques free (at minimum
balance of Rs. 500,000)
 Ourrent Accounts



È Minimum balance of Rs. 5,000**
È Unlimited transactions
È Non-profit bearing
È HBL Debit Oard and Inter Branch Transaction System (IBTS)
facilities
È Funds transfer to any bank through HBL Phone Banking
 Ourrent Accounts





È Oan be opened with only Rs. 1,000
È No minimum balance requirement
È Up to 2 withdrawal and 2 deposit transactions
free every month
È Unlimited withdrawals through HBL Debit Oard
È Non-profit bearing
 Ourrent Accounts
 
È Low minimum balance requirements. Unlimited cash
deposit and withdrawal facility at hundreds of branches
nationwide.
È Use your MOB SmartOard to shop at thousands of
merchants across Pakistan.
È Lockers and other affordable transactional facilities.
 Ourrent Accounts
—  
È Open a Ourrent Life Account with just Rs.1,000.
È Free comprehensive life insurance coverage.
È No joining fees on Debit/ATM Oard.
È 50% discount of Debit Oard Annual Fee at the time of
renewal.
È Low monthly Average balance requirement.
È Unlimited free cash deposits/withdrawals across hundreds
of branches
 Ourrent Accounts
— 
È Higher the balance, the higher the number of free
transactions.
È Open a Business Account with Rs.50,000 only.
È Unlimited free cash deposit and withdrawal facility
at hundreds of branches nationwide.
È  — 
È When you maintain average monthly balance of Rs.100,000 or above*
È Demand Drafts/Pay Orders.
È Oancellation for Demand Drafts/Pay Orders.
È Oheque Book.
È International ATM Gold Oard.

   


Yasir Sultan

M09MBA032
 Saving Accounts
2
 

È 7.19% profit per annum*
È Profit calculated monthly, paid every quarter
È Deposit ranges from Rs. 10,000 to Rs. 1,000,000**
È Two withdrawals free every month
 Saving Accounts
 




È profit per annum 5.06%
È Profit paid bi-annually
È HBL Debit Oard and Inter Branch Transaction
System (IBTS) facilities
È Funds transfer to any bank through HBL
Phone Banking
È Minimum balance of Rs. 20,000
È Unlimited transactions
 Saving Accounts
 


 






È Special account for receiving foreign remittances
È 5.12% profit per annum
È Profit paid every month
È Minimum balance of Rs. 20,000
 Saving Accounts





È Profit calculated daily, paid every month
È Up to 8.84% profit per annum
È HBL Debit Oard and Inter Branch Transaction System (IBTS)
facilities
È Funds transfer to any bank through HBL Phone Banking
È Minimum balance of Rs. 20,000
 Saving Accounts

 
 


È Unique transactional account for Institutions
È Profit calculated daily, paid every month
È Up to 11.57% profit per annum
È Inter Branch Transaction System (IBTS) facility
È Funds transfer to any bank through HBL Phone Banking
È Minimum balance of Rs. 20,000
 Saving Accounts

— — 

È Open a Basic Banking Account with Rs.1000/- only.
È No minimum balance requirement.
È No monthly account maintenance charges.
È Two free deposits per month (including cash and clearing).
È Two free withdrawals per month (including cash and clearing).
È Unlimited free withdrawal transactions through MOB's ATMs.
 Saving Accounts

— 
È Low monthly average balance requirements.
È Profit paid into your account every six months.
È Unlimited cash deposit and withdrawal facility at
hundreds of branches nationwide.
È Locker facility at economical rates
 Saving Accounts





È The higher your balance, the higher your rate. Profit
calculated on daily basis.
È Profit paid into your account every month.
È Open your account with Rs. 500,000/- only.
 Saving Accounts









È Earn as much as 7% on 200,000/-

È Low Minimum Balance Requirement.
È Profit paid into your account quarterly.






2
 




  




 Saving Accounts









È you get up to 7% return per annum.
È Oalculated on a monthly basis, based on the minimum
monthly balance maintained during that month.


  
   


3.0% Rs. 10,000 to Rs. 100,000
5.0% Rs. 100,000 to Rs. 200,000
7.0% Rs. 200,000 to Rs. 300,000

Profit will not be paid on any amount above Rs. 300,000

 Saving Accounts

—
È Return up to 8.5%.
È Profit calculated on monthly basis.
È Profit paid into your account semi-annually.
È 50% Discount on Lockers.
È Unlimited number of ATM withdrawal transactions.
È 3 Free withdrawal transactions through the branch every
month.

  




Muhammud Usman

M09MBA030
 TERM DEPOSITS
2






È Multiple options for tenure and profit payout    
 


È Loan facility up to 90% of investment
1 Year 12.00%
È Minimum investment of Rs. 25,000
È Withdrawal at end of fixed term 3 Year 14.00%

5 Year 15.00%

10 year 18.00%
 TERM DEPOSITS
—


  

È Account for Institutions
È Multiple options for tenure and profit payout
È Profit paid at maturity
È Minimum investment of Rs. 20 million**
È Withdrawal at end of fixed term

X¢
    ¢     
    
 
XX   


 

 
   !!

 TERM DEPOSITS
  — 
È Highly attractive profit rates. Multiple tenors from one
month onwards.
È Option of premature encashment.
È Option for ATM debit card to access profit earned.
È Option for automatic renewal of term deposits

    

È * È
 Foreign Ourrency Accounts
 
  
  
)
 Savings Account offered in 3 currencies, USD (US dollar),
EUR (Euros) and GBP (UK pound)
 Tiered product, with rates depending on choice of currency
 To earn profit, minimum balance should be 1000 USD, EUR
or GBP
 Interest is payable on a quarterly basis.
 Foreign Ourrency Accounts
2   2
   
     

 Available in 1 month, 2 month, 3 month, 6 month and 12
Month in USD, EUR and GBP
 Tiered product, with rates depending on choice of currency
and term
 Profit paid on maturity only. No interim interest is payable.
 Foreign Ourrency Accounts
 —   
È US Dollar, UK Pound Sterling, or Euro.
È little as US$ 500 or equivalent.
È Free Foreign Ourrency cash deposit and withdrawal facility.
È Rate of Return directly linked with international market.
È Profit paid into your account every six months.
È Foreign Remittances facility available.
È Oash withdrawal in PKR equivalent.
 Foreign Ourrency Accounts
  
È US$ Ourrent, Savings and Term Deposit accounts.
È Oompetitive profit rates.
È Attractive incentives being offered, if you maintain the
minimum amount of USD 10,000/- or above.

È Free Lockers
È Pak Rupee Account: without minimum balance requirement.
È Free collection for crediting Foreign Ourrency Account.
È Free Bank Statements.
È Discount (up to 50%) on processing of Personal Loans
 
 of
Oomparison Foreign
   
Ourrency Accounts