ACKNOWLEDGEMENT

No one can say that I am perfect, everyone shoul am!t that "!thout
the help of ALLA# an #!s people a man can$t %et anyth!n% so I &o" my hea
&efore alm!%hty Allah "!th %rat!tue' I am also very much than(ful an
presents salute to many !n!v!uals "ho have helpe me !n shap!n% th!s
report 'I am also very much than(ful to lot of former fello"s an contemporary
collea%ues "ho too( the t!me an trou&le ur!n% the last fe" ays to spea( to
me a&out the "ay th!s te)t coul &e further !mprove' I have no "ors to
e)press my %rat!tue to my av!sor Mr' Imt!a* #usa!n for h!s !ntellectual
%u!ance "!thout "h!ch !t coul have &een rather !ff!cult for me to complete
th!s report'
I am also very than(ful to the staff #a&!& +an( Lt A,-C +.ANC#
/esha"ar espec!ally to Mr' 0ehan*e& (han 1Mana%er Operat!ons2 "ho
prov!e me an opportun!ty to "or( !n fr!enly env!ronment'
It "as an honor an pleasure to "or( "!th3
Mr' 4afar Al! (han 1Mana%er #+L A,-C &ranch /esha"ar2
Mr' Imt!a* #usa!n 1Asst' Mana%er clear!n% Department2
Mr' M!yan Wah!ullaha 1/u&l!c .elat!on Off!cer2
M!ss Lu&na 1Mana%er Cre!t Department2
Mr' Noor ulllaha 1#ea cash Department2

e)ecut!ve summary
Every stuent of +achelor of -c!ence !n Informat!on Technolo%y at
I+M- AG.IC,LT,.AL ,NI5E.-IT6 /E-#AWA. has an essent!al
re7u!rement to o -!) to E!%ht "ee(s !nternsh!p !n any of the "ell repute
or%an!*at!on' The purpose of th!s pro%ram !s to ac7ua!nt the stuents "!th
pract!cal appl!cat!ons of theoret!cal concepts tau%ht to them ur!n% conuct of
the!r +-IT pro%ram' The !nternsh!p !n #a&!& +an( "as arran%e &y the 8o&
placement cell of the !nst!tute' .eally, !t "as a n!ce opportun!ty to have a close
compar!son of theoret!cal concept !n pract!cal f!el, !nvolv!n% the use of
pr!mary an seconary ata' All the efforts on the "ay are summar!*e !n
shape of th!s Internsh!p .eport' .eport starts "!th the top!c evolut!on of
&an(!n%' The "or 9+an(9 !s sa! to have &een er!ve from the "ors +ancus
or +an7ue or +an(' Th!s h!story of &an(!n% !s trace to as early as :;;; +'C'
Tal(!n% a&out commerc!al &an(!n% !n /a(!stan It "as very !ff!cult for /a(!stan
to &u!l up !ts o"n +an(!n% system !mme!ately after !nepenence "!thout
suff!c!ent resources' +y <;th 0une =>?@ the num&er of scheule &an(s !n
/a(!stan ecl!ne from mere scratch' Toay there are more than A;;;
&ranches of commerc!al &an(s alon% "!th an esta&l!she net"or( of
supplementary f!nanc!al !nst!tut!ons' All th!s evelopment !n the &an(!n% sector
!s the result of unt!r!n% efforts of s!) ecaes' #+L "as the f!rst commerc!al
&an( to &e esta&l!she !n /a(!stan !n =>?A' Over the years, #+L has %ro"n !ts
&ranch net"or( an &ecome the lar%est pr!vate sector &an( "!th over =,?B;
&ranches across the country an a customer &ase e)cee!n% f!ve m!ll!on
relat!onsh!ps'
On Decem&er :>, :;;< /a(!stan9s /r!vat!*at!on Comm!ss!on
announce that the Government of /a(!stan ha formally %rante the A%a
Khan Cun for Econom!c Development 1AKCED2 r!%hts to B=D of the
sharehol!n% !n #+L, a%a!nst an !nvestment of /K. ::'?;> &!ll!on 1,-D <@>
m!ll!on2' Th!s report conta!ns !nformat!on a&out #+L$s &oar of !rectors,
mana%ement, m!ss!on, v!s!on an values' #+L$s operat!ons are !scusse !n
l!%ht of !ts "or(!n% epartment !n the &ranches l!(e cash, clear!n%, fore!%n
e)chan%e an accounts epartment an also !n l!%ht of !ts serv!ces an
proucts "h!ch !t !s offer!n% to customers$ "eather they are !n!v!ual,

&us!ness, corporate or a%r!culture f!el relate customers' #+L !s currently
offer!n% phone &an(!n%, !nternet &an(!n% an var!ous cash mana%ement
serv!ces for the fac!l!tat!on of !ts customers' #+L$s car to car loan has !ts o"n
un!7ueness !n /a(!stan$s &an(!n% sector' #+L$s &ranch net"or( !s e)tene
all over the /a(!stan "h!ch has !ts compet!t!ve e%e over all other pr!vate
sector &an(s !n /a(!stan'
Dur!n% the t!me of my !nternsh!p !n #a&!& +an( A,-C +ranch
/esha"ar' I %ot the chance to "or( !n all the epartments of #+L "or(!n%
there' Dut!es an learn!n% !n each epartment !s %!ven !n th!s report' Tal(!n%
a&out f!nanc!al performance of the &an( !n :;;> all the f!nanc!al !n!cators are
sho"!n% pos!t!ve results "hen the f!nanc!al performance of the &an( !n :;;> !s
compare "!th f!nanc!al performance of :;;@' Dur!n% :;;> #+L also "on
some a"ars' At the en of th!s report I have %!ven my su%%est!on for the
!mprovement of the &an('

Evolution of banking
The "or 9+an(9 !s sa! to have &een er!ve from the "ors +ancus or
+an7ue or +an(' Th!s h!story of &an(!n% !s trace to as early as :;;; +'C'
The pr!ests !n Greece use to (eep money an valua&les of the people !n
temples' These pr!ests thus acte as f!nanc!al a%ents' The or!%!n of &an(!n% !s
also trace to early %olsm!ths' They use to (eep stron% safes for stor!n% the
money an valua&les of the people' The persons "ho ha surplus money
foun !t safe an conven!ent of epos!t the!r valua&les "!th them' The f!rst
sta%e !n the evelopment of moern &an(!n%, thus, "as the accept!n% of
epos!ts of cash from those persons "ho ha surplus money "!th them'
The %olsm!ths use to !ssue rece!pts for the money epos!te "!th
them' These rece!pts &e%an to pass from han to han !n settlement of
transact!ons &ecause people ha conf!ence !n the !nte%r!ty an solvency of
%olsm!ths' When !t "as foun that these rece!pts "ere fully accepte !n
payment of e&tsE then the rece!pts "ere ra"n !n such a "ay that !t ent!tle
any holer to cla!m the spec!f!e amount of money from %olsm!ths' A
epos!tor "ho !s to ma(e the payments may no" %et the money !n cash from
%olsm!ths or pay over the rece!pt to the cre!tor' These rece!pts "ere the
earl!er &an( notes' The secon sta%e !n the evelopment of &an(!n% thus "as
the !ssue of &an( notes'
The %olsm!ths soon !scovere that all the people "ho ha epos!te money
"!th them o not come to "!thra" the!r funs !n cash' They foun that only a
fe" persons presente the rece!pts for encashment ur!n% a %!ven per!o of
t!me' They also foun that most of the money epos!te "!th them "as ly!n%
!le' At the same t!meE they foun that they "ere &e!n% constantly re7ueste
for loan on %oo secur!ty' They thou%ht !t prof!ta&le to len at least some of
the money epos!te "!th them to the neey persons' Th!s prove 7u!te a
prof!ta&le &us!ness for theF %olsm!ths' They !nstea of char%!n% safe (eep!n%

char%es from the epos!tors &e%an to %!ve them !nterest on the money
epos!te "!th them' Th!s "as the th!r sta%e !n the evelopment of &an(!n%'

COMMERCIAL BANKING IN PAKISTAN
It "as very !ff!cult for /a(!stan to &u!l up !ts o"n +an(!n% system
!mme!ately after !nepenence "!thout suff!c!ent resources' Collo"!n% the
announcement of the part!t!on plan !n 0une =>?A there "as a haste movement
on the parts of &an(s to transfer the!r funs an accounts across the &orers'
The &an(s hav!n% the!r re%!stere off!ces !n /a(!stan "ere transferre to In!a'
In an effort to &r!n% a&out the collapse of the ne" state &y the persecut!n% an
!nternat!onal pol!cy of "!thra"al, the In!an &an( off!ces close 7u!c(ly'
Those &an(s, "h!ch staye, "ere cons!er!n% the "!n!n% up of the!r
&us!ness' +y <;th 0une =>?@ the num&er of scheule &an(s !n /a(!stan
ecl!ne from mere scratch'
Toay there are more than A;;; &ranches of commerc!al &an(s alon%
"!th an esta&l!she net"or( of supplementary f!nanc!al !nst!tut!ons' All th!s
evelopment !n the &an(!n% sector !s the result of unt!r!n% efforts of four
ecaes'
Histor of Banking In Pakistan
The !nterest!n% po!nt "h!ch I o&serve ur!n% the span of m!ne
!nternsh!p "as the h!stor!cal &ac(%roun of +an(!n% G C!nanc!al sector "h!ch
!s the one !n "h!ch %reat !mprovement an %ro"th !s o&serve s!nce the
format!on of /a(!stan' Cor stuy!n% the %ro"th of th!s sector "e can !v!e !t
!nto three sta%es, "h!ch are as follo"s3
a2 /reHNat!onal!*at!on Era
&2 Nat!onal!*at!on Era
c2 /ost Nat!onal!*at!on Era

a) Pre Nationalization period:
There "ere only t"o Musl!m &an(s !n Ino /a( &efore part!t!onE they
"ere '#a&!& +an( Lt' 1est' !n =>?= at +om&ay2 G Austral!a +an( Lt' 1est'
In=>?? at Lahore2' All other &an(s, at that t!me, "ere e!ther o"ne &y #!nus
or Core!%ners'
At the t!me of part!t!on there "ere I<= &an( &ranches !n area "h!ch
came uner /a(!stan! control' +ut ue to &loo she an v!olence at lar%e
scale, mostly &ranches "ere close an the !spar!ty can &e assesse from
the fact that on 0uly =>?@ there "ere =>B &ranches "!th epos!ts of .s'@@
crore 1@@; m!ll!on2 only' Also a factor la%%!n% !n /a(!stan! !nustry "as a
central &an( of !ts o"n, &y that t!me .eserve +an( of In!a "as act!n% as
central &an( for &oth countr!es an same currency notes "ere use !n &oth
terr!tor!es' +ut .eserve +an( of In!a "as &!ase an -et o"n /a(!stan on
many occas!ons such as the !ssue of funs transfer etc'
In th!s per!o rast!c steps "ere ta(en !n %overnment sector for the
!mprovement of overall pos!t!on' The pr!vate sector also respone to these
chan%es an some very pos!t!ve chan%es "ere o&serve' -ome of the steps
ta(en &y the %overnment !n th!s re%ar "ere as uner3
=2 Inau%urat!on of -tate +an( of /a(!stan 1-+/2 on =st 0uly, =>?@'
:2 -ett!n% up of Nat!onal +an( of /a(!stan !n Novem&er, =>?> to control the
98ute9 e)port !n East /a(!stan an to act as a%ent of -+/'
<2 Lar%er po"ers "ere %!ven to -+/ throu%h -+/ Act 1=>BI2 for controll!n%
purposes'
?2 +an(!n% Compan!es Or!nance =>I: for protect!on an %u!ance to &an(s'
B2 Esta&l!shment of spec!al!*e &an(s, such as AD+/ 1=>B:2E
a2 #+CC 1Nov, =>B:2E
&2 /=CIC 1Oct, =>BA2

c2 ID+/ 1Au%' =>I=2E
2 NDCC 10an, =>A<2'
These "ere the steps, "h!ch &u!lt a stron% &an(!n% sector !n /a(!stan'
Th!s !s also o&v!ous from the facts that &y =>A< there "ere almost =; fore!%n
&an(s "ere "or(!n% !n /a(!stan an all over epos!t pos!t!on "as aroun
.s':<;; crore 1:<,;;; m!ll!on2' A &!r eye v!e" of B top &an(s "as as %!ven
&elo"3
BANK POSITION IN !"#$
BANK NO% O& BRANCHES 'EPOSITS
(Rs in Million)
#+L IIA I,=I;
N+/ BA> B,II;
,+L ?>A B,IA;
MC+ B;I =,I?;
A+L =?B BA;
B) NATIONALI*ATION PERIO'
On 0anuary ;=, =>A? all /a(!stan! &an(s "ere nat!onal!*e throu%h
Nat!onal!*at!on Act =>A?' ,ner th!s la" all /a(!stan! &an(s &ecame a pu&l!c
property' All small &an(s "ere mer%e !n &!%%er &an(s to create B ma8or
/a(!stan! &an(s /a(!stan! &an(s' These &an(s "ere to control &y /a(!stan
+an(!n% Counc!l' There are st!ll controvers!es a&out th!s act of %overnment as
"hether !t contr!&ute !n success of fa!lure of &an(s' #o"ever the ma8or
chan%es after nat!onal!*at!on "ere as follo"s3
Wor(!n% of &an(s "as e)tene to uner evelope areas'
Mar(et e)pans!on for cre!t an epos!ts'

Decrease !n serv!ce level of &an( off!cers'
Decrease !n prof!ta&!l!ty as "ell'
#o"ever the effect of e)pans!on "as enormous an !t can also &e
ep!cte "!th the help of ta&le : "h!ch sho"s the epos!t G &ranch pos!t!ons
of !fferent nat!onal!*e &an(s'
BANK POSITION IN !""+
Bank No% of Bran,-.s './osits (Rs% In Millions)
#+L =>:I =B<,?<=
N+/ =??@ =:@,IA>
,+L =I@? @A,?@:
MC+ =:@@ B;,;=<
A+L AB; <<,ABA
TOTAL A;>I ?B<,<I:
C) POST NATIONALI*ATION ERA
In =>>; the %overnment ec!e to enat!onal!*e all the nat!onal!*e
!nst!tutes' -ome "as also su%%este !n &an(!n% sector' Cor th!s purpose,
amenments "ere mae to Nat!onal!*at!on Act =>A? an t"o nat!onal!*e
&an(s "ere pr!vat!*e' Alon% "!th th!s a perm!ss!on to open &an(s !n pr!vate
sector "as also %rante' The rules re%ar!n% esta&l!shment of ne" &an(s an
for !ncom!n% fore!%n &an(s "ere also rela)e'
TheH pr!vat!*e &an(s areE
a2 MC+ ta(en up &y a pr!vate %roup !n Apr!l, =>>=
&2 A+L ta(en up &y !ts o"n employees !n -eptem&er, =>>='

c2 ,+L ta(en up &y ,AE party !n :;;:'
2 Decem&er :>, :;;< #+L "as ta(en &y AKCED
After these chan%es a lar%e num&er of pr!vate an fore!%n &an(s
starte the!r operat!ons !n /a(!stan an the present status can &e seen from
the follo"!n% f!%ure3

A&out #a&!& +an( L!m!te
#+L "as the f!rst commerc!al &an( to &e esta&l!she !n /a(!stan !n =>?A'
Over the years, #+L has %ro"n !ts &ranch net"or( an &ecome the lar%est
pr!vate sector &an( "!th over =,?B; &ranches across the country an a
customer &ase e)cee!n% f!ve m!ll!on relat!onsh!ps' W!th a presence !n :B
countr!es, su&s!!ar!es !n #on% Kon% an the ,K, aff!l!ates !n Nepal, N!%er!a,

Kenya an Kyr%y*tan an representat!ve off!ces !n Iran an Ch!na, #+L !s
also the lar%est omest!c mult!nat!onal' The +an( !s e)pan!n% !ts presence !n
pr!nc!pal !nternat!onal mar(ets !nclu!n% the ,K, ,AE, -outh an Central As!a,
Afr!ca an the Car East' Key areas of operat!ons encompass prouct offer!n%s
an serv!ces !n .eta!l +an(!n%' #+L has the lar%est Corporate +an(!n%
portfol!o !n /a(!stan "!th an act!ve Investment +an(!n% arm' -ME an
A%r!culture len!n% pro%rammes an &an(!n% serv!ces are offere !n ur&an
an rural centers' In the ,K an GCC, #+L focuses on trae f!nance an
rem!ttances for the -outh As!an D!aspora !n a!t!on to &as!c &an(!n%
fac!l!t!es' #+L has al"ays &een a &an( an a &ran for the masses, "!th a
h!story that !s !ne)tr!ca&ly l!n(e "!th the h!story of /a(!stan !tself' As !t
cont!nues to %ro", &oth locally an a&roa, !t str!ves to em&oy !ts &ran
personal!ty3 honest, approacha&le, an !nclus!ve' #+L !s currently rate AAJ
1Lon% term2 an A=J 1-hort term2K' It !s the f!rst /a(!stan! &an( to ra!se T!er II
Cap!tal from e)ternal sources'

HISTOR0 AN' BACKGRO1NG
#a&!& +an( L!m!te "as esta&l!she &y Mr' Isma!l #a&!& 1Late2 on
Au%ust :B, =>?: at +om&ay' It "as the f!rst Musl!m +an( of the su&H
cont!nent' It "as esta&l!she "!th a pa! up cap!tal of .s' :'B m!ll!on' At an
early sta%e, the num&er of !ts &ranches "as only =:'
#+L esta&l!she operat!ons !n /a(!stan !n =>?A an move !ts hea
off!ce to Karach!' Our f!rst !nternat!onal &ranch "as esta&l!she !n Colom&o,
-r! Lan(a !n =>B= an #a&!& +an( /la*a "as &u!lt !n =>A: to commemorate
the &an($s :Bth Ann!versary' W!th a omest!c mar(et share of over ?;D, #+L
"as nat!onal!*e !n =>A? an !t cont!nue to om!nate the commerc!al
&an(!n% sector "!th a ma8or mar(et share !n !n"ar fore!%n rem!ttances 1BBD2
an loans to small !nustr!es, traers an farmers' Internat!onal operat!ons
"ere e)pane to !nclue the ,-A, -!n%apore, Oman, +el%!um, -eychelles
an Mal!ves an the Netherlans'
Privati2ation of Habib bank
On Decem&er :>, :;;< /a(!stan9s /r!vat!*at!on Comm!ss!on
announce that the Government of /a(!stan ha formally %rante the A%a
Khan Cun for Econom!c Development 1AKCED2 r!%hts to B=D of the
sharehol!n% !n #+L, a%a!nst an !nvestment of /K. ::'?;> &!ll!on 1,-D <@>
m!ll!on2' On Ce&ruary :I, :;;?, mana%ement control "as hane over to
AKCED' The +oar of D!rectors "as reconst!tute to have four AKCED
nom!nees, !nclu!n% the Cha!rman an the /res!entLCEO an three
Government of /a(!stan nom!nees'

#+L$s 5!s!on, M!ss!on an 5alues
5!s!on
Ena&l!n% people to avance "!th conf!ence an success'

M!ss!on
To ma(e our customers prosper, our staff e)cel an create value for
shareholers'
5alues
Our values are the funamental pr!nc!ples that ef!ne our culture an are
&rou%ht to l!fe !n our att!tue an &ehav!ors' It !s these values that ma(e us
un!7ue an unm!sta(a&le' Our values are ef!ne &elo"3
Excellence
Th!s !s at the core of everyth!n% "e o' The mar(ets !n "h!ch "e operate are
&ecom!n% !ncreas!n%ly compet!t!ve, %!v!n% our customers an a&unance of
cho!ce' Only throu%h &e!n% the very &est M !n terms of the serv!ce "e offer,
our proucts an prem!ses H can "e hope to &e successful an %ro"'
Integrity
We are the lea!n% &an( !n /a(!stan an our success epens upon trust'
Our customers H an soc!ety !n %eneral M e)pect us to possess an
steafastly ahere to h!%h moral pr!nc!ples an profess!onal stanars'
Customer Focus
We unerstan fully the nees of our customers an aapt our proucts an
serv!ces to meet these' We al"ays str!ve to put the sat!sfact!on of our
customers f!rst'
Meritocracy
We &el!eve !n %!v!n% opportun!t!es an avanta%es to our employees on the
&as!s of the!r a&!l!ty' We &el!eve !n re"ar!n% ach!evement an !n prov!!n%
f!rstHclass career opportun!t!es for all'

Progressiveness
We &el!eve !n the avancement of soc!ety throu%h the aopt!on of enl!%htene
"or(!n% pract!ces, !nnovat!ve ne" proucts an processes an a sp!r!t of
enterpr!se'
+oar of D!rectors


MANAGEMENT




Manag.3.nt Hi.rar,-
/.E-IDENT
+OA.D OC DI.ECTO.
MEM+E. ENEC,TI5E +OA.D
.EGIONAL C#IEC
4ONAL C#IEC

'ESIGNATIONS
/res!ent
-en!or E)ecut!ve 5!ce /res!ent 1-E5/2
-en!or 5!ce /res!ent 1-5/2
5!ce /res!ent 15/2
Ass!stant 5!ce /res!ent 1A5/2
Off!cers Grae =
Off!cer Grae II
Off!cer Grae III
Cash!er
Cler(s
/eon

Cor/orat. Infor3ation
#ea Off!ce
#+L /la*a
I' I' Chunr!%ar .oa
Karach!HABIB;, /a(!stan'
Tel 3 J>: 1:=2 :?=@;;; OB; l!nesP
Ca) 3 J>: 1:=2 >:=AB==

R.gist.r.4 Offi,.
?th Cloor, #a&!& +an( To"er
0!nnah Avenue
Islama&a, /a(!stan'
Tel3 J>: 1B=2 :@A::;<
Ca)3 J>: 1B=2 :@A::;B
R.gistrars
T#K Assoc!ates 1/vt'2 Lt'
Groun Cloor, -tate L!fe +l% No' <
Dr' 4!au!n Ahme .oa
Karach!, /a(!stan'
Tel3 J>: 1:=2 ===H;;;H<::
5.bsit.s
Corporate "e&s!te3
"""'h&l'com
Treasury "e&s!te3
"""'h&l%tr'com'p(
E&an( 1!nternet &an(!n%23
"""'h&le&an('com

Glo&al locat!on

Global lo,ations

A,-i.v.3.nts
HBL 6 7T-. B.st E3.rging Mark.t Bank in Pakistan7

#+L has &een selecte as QThe +est Emer%!n% Mar(et +an( !n /a(!stan$ &y
Glo&al C!nance Ma%a*!ne'
Glo&al C!nance ma%a*!ne has name the R+est Emer%!n% Mar(et +an(s !n
As!aS !n an e)clus!ve survey to &e pu&l!she !n the May :;;> !ssue' Glo&al
C!nance e!torsT"!th !nput from !nustry analysts, corporate e)ecut!ves an
&an(!n% consultantsTselecte the &est emer%!n% mar(et &an( !n the re%!on
an !n :; countr!es' Glo&al C!nance reports on the !nternat!onal f!nance
sector, cover!n% top!cs such as corporate f!nance, 8o!nt ventures an MGA,
country prof!les, cap!tal mar(ets, !nvestor relat!ons, currenc!es, &an(!n%, r!s(
mana%ement, custoy, !rect !nvestment, an money mana%ement' The
ma%a*!ne also hols several a"ars ceremon!es throu%hout the year to
reco%n!*e the "!nn!n% f!nanc!al !nst!tut!ons an compan!es'
+889 HBL 6 7Most innovativ. Global Tra4. &inan,.7 a:ar4

#+L rece!ve the 9Most Innovat!ve GTC/ 1Glo&al Trae C!nance /ro%ram29
a"ar' The a"ar "as rece!ve at the Internat!onal C!nance Corporat!on
Annual Trae Conference !n /ar!s "here =:I !ssu!n% an =?B conf!rm!n%
mult!nat!onal &an(s that "ere present' Mr' Tar!7 Mateen H #ea C!nanc!al
Inst!tut!ons D!v!s!on, %ave a presentat!on sho"cas!n% the success of #+L !n
the %lo&al trae f!nanc!n% &us!ness' The a"ar "as rece!ve &y Mr' Mateen
an Mr' An"ar 4a!! M #ea Operat!ons' Th!s reco%n!t!on has ra!se our
prof!le amon% a lar%e forum of !nternat!onal &an(s an pave "ay for ICC to

!ncrease our fac!l!ty from ,-D AB m!ll!on to ,-D =;; m!ll!on "h!ch has helpe
us !n creat!n% l!7u!!ty !n our !nternat!onal net"or(
+889 6 7B.st bank In Pakistan7 A:ar4
In Octo&er :;;@, #+L rece!ve the Q+est +an( !n /a(!stan$ a"ar !n
reco%n!t!on for !ts cont!nuous efforts !n prov!!n% "orl class proucts an
serv!ces to customers' A"ar "as rece!ve &y Mr' -ultan Al! Allana H
Cha!rman' The ceremony !n Wash!n%ton "as also attene &y Mr' 4a(!r
Mehmoo H /res!ent G CEO, Mr' Nauman Dar H #ea Internat!onal +an(!n%
an Mr' Tar!7 Mateen H #ea C!nanc!al Inst!tut!ons D!v!s!on'

+889 HBL Mil.ston.s 6 7Bu22i.st Bran4s7 A:ar4s
.evelat!on Inc, a /a(!stan &ase &ran Development Company, carr!e out a
poll amon% mar(et!n% an avert!s!n% representat!ves, as "ell as a panel of
8u%es to p!c( the most act!ve &ran !n /a(!stan' #+L "as rece!ve the
R+u**!est +ranS a"ar !n the +an(!n% an C!nanc!al Inst!tut!ons Cate%ory'
#+L "as compet!n% "!th stron% consumer &rans l!(e Olpers an Coca Cola
yet accompl!she th!r pos!t!on amon% top f!ve &rans !n the ent!re avert!s!n%
!nustry' The a"ar "as rece!ve &y Mr' Aly Mustans!r H #ea Mar(et!n% an
+ran Mana%ement' The f!rst t"o places "ere a"are to telco &rans,
Telenor an Mo&!l!n('

O/.rations of HBL
A% banking 4./art3.nts of -abib bank
5ar!ous epartments are "or(!n% !n all the &ranches of #a&!& &an( to fac!l!tate
the customers' Collo"!n% are the &an(!n% epartments funct!on!n% !n #+L
A,-C &ranch /esha"ar'
=' Account open!n% epartment'
:' Cash epartment'
<' Cre!t epartment'
?' Loc(ers epartment'
B' +!ll clear!n% epartment''
I' I'T epartment'
Accounts open!n% epartment
+as!c funct!on of the accounts epartment !s to open ne" account an
fac!l!tate the customer for the account open!n% purpose' There are certa!n
formal!t!es "h!ch are to &e o&serve for open!n% of an account "!th a +an('
These formal!t!es !n &r!ef are as uner3
&ORMAL APPLICATION;
The customer !s to f!ll UAccount Open!n% Corm' It !s a formal re7uest &y a
customer to the &an( to allo" h!m to have an operate the account'
'o,u3.nts r.<uir. for o/.ning an a,,ount;
Copy of CNIC
-erv!ce cert!f!cate or stuent car'
,t!l!ty &!ll
/rov!s!onal rece!pt

K6C 1Kno" 6our Customer2
SPECIMEN SIGNAT1RE;
When the +an(er !s sat!sf!e a&out the !nte%r!ty of the customer, he a%rees to
open the account' The +an(er o&ta!ns the spec!men s!%natures of the
customer on the s!%nature &oo( or on car'
Posting t-. a,,ount on t-. sst.3;
After that off!cer has to post the ne" account on computer system for further
process!n%' Dur!n% the process customer ! an account num&er !s
%enerate' Ne" account rema!ns act!ve for one ay after that !t !s &loc(e &y
the hea off!ce unt!l CNIC of the customer !s ver!f!e from NAD.A'
C-.<u. book issuing;
After the CNIC ver!f!cat!on account open!n% off!cer has to !ssue a che7ue
&oo( to customer so that he can &e a&le to ma(e "!thra"al from h!s account'
No" a ay !n #a&!& &an( che7ue &oo( !ssu!n% process !s central!*e that ta(e
;I ays to complete'
SECREC0;
The secrecy of epos!tor$s account !s the' .espons!&!l!ty of every off!c!al
en%a%e !n the +an( serv!ce'
T/.s of a,,ounts;
In4ivi4ual a,,ounts;
In!v!ual accounts are the most common personal !nvestment accounts'
Opene &y s!n%le person'
=OIN ACCO1NT;
A 8o!nt account occurs "hen t"o or more than t"o customers have one
account' The part!es to a 8o!nt account are cons!ere !n la" as they are one
person'

Busin.ss a,,ounts;
+us!ness accounts can &e opene &y !nst!tut!ons, compan!es, partnersh!ps,
trusts an nonHprof!t or%an!*at!ons' Collo"!n% ocuments are re7u!re'
BOOKS RELATING TO C1STOMERS;
Pa6in6Sli/
When money !s to &e epos!te !n the &an( the pay !n sl!p !s to &e f!lle' The
o&8ect of th!s &oo( !s to prov!e the customer "!th the &an($s
ac(no"le%ement for rece!pt of money to &e cre!te h!s account'
C-.<u. Book
A che7ue&oo( conta!ns a num&er of che7ues, "h!ch !s %!ven to a customer
upon "r!tten re7uest an after mar(!n% the payment for the che7ue&oo(' It
ena&les a customer to ma(e "!thra"al from h!s account or ma(e payment to
var!ous part!es &y !ssue of che7ues'
GRO1N'S &OR CLOSING THE C1STOMER>S ACCO1NT;
The &an(er may close the account of the customer ue to follo"!n% reasons3
!' Not!ce &y a Customer
!!' Death of a Customer
!!!' Customer$s Insan!ty
!v' +y orer of court
I2 NOTICE B0 C1STOMER
The &an(er closes the account of the customer on the appl!cat!on of the
customer for clos!n% h!s account'

II2 'EATH O& C1STOMER
On eath of h!s customer, the &an( must stop payment on che7ues ra"n on
h!m &y the ecease customer &ecause the eath revo(es h!s author!ty to pay
such che7ue' The he!rs or the e)ecutors of the ecease customer are not
author!*e to operate on the accountE !t can act only !n accorance "!th
prov!s!ons ment!one !n the letter of pro&ate !ssue &y a competent courts'
III2 C1STOMER>S INSANIT0
If the customer &ecomes !nsane or mental !t term!nates the &an(er$s author!ty
to act as h!s customer$s a%ent' -!nce the &an(er customer relat!onsh!p comes
to en, !n such as s!tuat!on, !t !s usually cons!ere that the &an(er$s author!ty
to pay h!s customer$s che7ues !s revo(e &y not!ce of !nsan!ty' #o"ever, the
&an(ers treat the!r customers as !t unless a fa!rly !nclus!ve ev!ence of the
customer$s !nsan!ty !s ava!la&le to them'
I52 OR'ER O& CO1RT
A court of la" may serve a &an(er "!th an orer !n %arn!sh procee!n% !n
e)ecut!on of a ecree proh!&!t!n% h!m from honor!n% a customer$s che7ues'
Cas- 4./art3.nt
ash Department !s very sens!t!ve an r!s(y part of the &an(' 5ery
causat!ons an competent personnel are neee for the 0o&' #+L
has really such a !l!%ent staff "!th apprec!a&le competenc!es an
"!ll to o "or(' Ma!n funct!on of cash epartment !s to eal "!th cash payment
an cash rece!pts'
C
Cas- 4./osit /ro,.4ur.;
The customer f!lls the pay sl!p' The cash!er rece!ves the pay sl!p an cash' #e
counts the cash an ma(es the eta!l of the notes at the &ac( of the pay sl!p'
Then he compares the eta!l "!th amount "r!tten on sl!p an s!%ns the pay
-l!p' Then he cre!ts the entr!es !n the computer &y ser!al No, account type,
Account num&er an amount' /uts the stamp of the Rcash .ece!veS on the

payment sl!p' The f!rst port!on !s for &an( recor "h!le other one !s %!ven to
the customer'
Cas- /a3.nts /ro,.4ur.;
When a customer comes to "!thra" a certa!n amount from h!s account, he
&r!n%s a Che7ue alon% "!th h!m' In th!s case the follo"!n% steps are ta(en'
The cash!er rece!ves the che7ue an chec(s !t "hether !t !s post ate or
preate' Che7ue can &e cashe "!th!n s!) months' A preate che7ue
cannot &e cashe' #e ta(es t"o s!%natures at the &ac( of the che7ue from the
&earer' #e %!ves the che7ue for post!n% at the computer' The computer
chec(s out "hether there !s &alance !n the account or not' Other !nstruct!ons
are also rece!ve e'%' &loc(e, fro*en, Etc' the post!n% !s one !n the
computer an the che7ue !s stampe poste "!th the ser!al num&er an ate'
#e %!ves the cash to &earer an the respecte account !s e&!te'
Onlin. fun4 transf.r;
Another funct!on of the cash epartment !s of onl!ne transfer of funs'
Customer has %!ve f!lle rem!ttances form "!th cash or "!thout cash 1from
account transfer2 to the cash!er !n cash epartment "ho "!ll then cre!ts the
&enef!c!ary account'
Balan,ing ,as- at t-. .n4 an4 transf.rring .?,.ss ,as-;
At the ay en cash epartment !s respons!&le for &alanc!n% the cash'
/hys!cal cash shoul &e &alance "!th the amount !n the computer' 0!nnah
Cho"( &ranch$s l!m!t for cash !s ?; m!ll!on "h!ch !t can (eep "!th!n the &ranch
over the n!%ht e)cess cash !s transferre to N+/'
CRE'IT 'EPARTMENT
=' Introuct!on
:' -ecur!t!es'
<' Types of cre!ts
INTRO'1CTION

The funct!on of cre!t epartment !s to len money !n the form of clean
avances, a%a!nst prom!ssory notes, as "ell as secure avances a%a!nst
tan%!&le an mar(eta&le secur!t!es' The &an(ers prefer such secur!t!es that o
not run the r!s( of %eneral eprec!at!on ue to mar(et fluctuat!ons'
Common -ecur!t!es for the &an(er$s avances are as uner3H
SEC1RITIES
=' Guarant..s
When an appl!cat!on for avance cannot offer any tan%!&le secur!ty, the
&an(er may rely on personal %uarantees to protect h!mself a%a!nst loss on
avances or overraft to the appl!cant'
:' Mortgag.
A mort%a%e !s the transfer of an !nterest !n spec!f!c !mmova&le property for the
purpose of secur!ty the payment of money avance or to &e avance &y
"ay of loan, an e)!st!n% or future e&t, or the performance of an en%a%ement
"h!ch may r!se to a pecun!ary l!a&!l!ty' The transfer !s calle a mort%a%or, the
transferee a mort%a%e'
<' H/ot-.,ation
When property !n the shape of %oos !s char%e as secur!ty for a loan form
the &an( the o"nersh!p an possess!on !s left "!th the &orro"er, the %oos
are sa! to &e #ypothecate The essence of hypothecat!on !s that ne!ther the
property !n the %oos not the possess!on of them are possess!on !s left "!th
the &orro"er, the %oos are sa! to &e #ypothecate the essence of
hypothecat!on !s that ne!ther the property !n the %oos not the possess!on of
them are possesse &y the lener, &ut the secur!ty !s %rante &y means of
letter of hypothecat!on, "h!ch usually prov!es for a &an(er$s char%e on the
hypothecat!on %oos'

?' Pl.4g.
In a ple%e the o"nersh!p rema!ns "!th ple%e, &ut the ple%e has the
e)clus!ve possess!on of property unt!l the avance !s repa! !n full' Wh!le !n
case of the efault the ple%e has the po"er of sale after %!v!n% ue not!ce'
B' Pro3issor Not.
-omet!mes prom!ssory note !s also accepte as a secur!ty, UA prom!ssory
note !s an !nstruments !n "r!t!n% conta!n!n% an uncon!t!onal unerta(!n%
s!%ne &y the ma(er, to pay on eman or at a f!)e or eterm!na&le future
t!me a certa!n sum of money only, to or to the orer of certa!n persons, or to
the &earer or the !nstrument'U A prom!ssory note !s !ncomplete unt!l has &een
el!vere to payee or the &earer' Moreover, the sum prom!se !n a prom!ssory
note may &e mae &y t"o or more ma(ers "ho may &e l!a&le there on 8o!ntly
an severally'
T0PES O& A'@ANCES
The avances "h!ch are %!ven &y #a&!& +an( L!m!te are as uner3H
=' 'EMAN' &INANCE 1Or!nary Loan2
Deman C!nances are those avances "h!ch are allo"e !n lump sum for a
f!)e per!o an are repaya&le lump sum or %raually !n !nstallments'
T0PES O& A'@ANCES
a' Deman C!nance 1/ac(!n% Cre!t2
-cheme !ntrouce &y -tate +an( of /a(!stan for e)porter of carpet,
sur%!cal !nstruments, at *ero percent rate of !nterest' Wh!le &an(s
prov!es at concess!onal rate of !nterest'
&' Loan or!nary 1Deman C!nance to -tuents2
Var*HeH#asana -cheme Loans are allo"e to the stuents, teachers
"!thout any !nterest or mar( up "!th the recommenat!ons of the M/A
or MNA'
c' Deman C!nance 1-taff2
Loans are offere to the staff of the follo"!n% four cate%or!es'

!' #ouse +u!l!n% Loans a%a!nst mort%a%e of property'
!!' Loan for purchas!n% veh!cles'
!!!' Loan e7u!valent to month$s salary'
:' R1NNING &INANCE (Ov.r4raft)
.unn!n% f!nance 1ol name overrafts2 are avances, "h!ch are %enerally,
%!ven to meet temporary re7u!rements of the customers' A %oo customer use
the &an(s runn!n% f!nance l!m!t as a mean of protect!n% h!s cre!t !n the mar(et
an as a l!ne of secur!ty efense to meet h!s comm!tments'
T0PES O& R1NNING &INANCE
I' ,nsecure
,ner such type of overraft the &an( pay upon the personal secur!ty
of the customer$s ment!one on the customer$s account'
II' -ecure
,ner th!s type of overraft the &an( allo"s h!s customer to "!thra"
more than h!s epos!ts after %!v!n% secur!ty a%a!nst the amount
overra"n'
The secur!t!es a%a!nst "h!ch they %!ven are3
!' -hare cert!f!cate, -av!n% cert!f!cate
!!' Depos!ts
!!!' Mort%a%e of property
!v' Guarantee of person
SMALL LOANS
Loan !s allo"e to contractors clear!n% an for"ar!n% a%ents'
<' &INANCE AGAINST THE &OREIGN BILLS (&A&B)
The avance fac!l!ty !s allo"e &oth to local fore!%n &!lls an !s
class!f!e as uner3H

!' CAC+ 1Local2 avance a%a!nst .a!l"ay rece!pts an truc( rece!pt, a
company "!th &!lls of e)chan%e an !nvo!ces, are %!ven uner th!s
hea'
!!' CAC+ 1Core!%n2 avances a%a!nst fore!%n &!ll, cover!n% &!lls of
e)chan%e &!lls of la!n% a!r"ay &!lls of e)chan%e &!lls of la!n% a!r"ays
&!lls etc'
?' AGRIC1LT1RE LOANS
Loans to the farmers "!th hol!n% up to :B acres for meet!n% the!r short terms,
me!um an lon% terms A%r!cultural prouct!on re7u!rements, such as3
!' A%r!cultural !nputs
!!' Tu&e "ells
!!!' L!ve -toc( Cram!n%
!v' Lan !mprovement
B' IN'1STRIAL LOANS
+es!es the shortHterm loans "h!ch play a part !n "or(!n% cap!tal me!um an
lon%Hterm loans are also %!ven to !nustr!al sector for purchase of mach!nery
an other cap!tal nature %oos'
Bills ,l.aring 4./art3.nt
INTRO'1CTION
Every &an( acts !n t"o "ay !'e'
!' /ay!n% +an(
!!' Collect!n% +an(
#ere !n theory no le%al o&l!%at!on on a &an(er to collect che7ues,
ra"n up to other &an(s for a customer' It !s, ho"ever, an !mportant funct!on

of crosse che7ues' A lar%e part of th!s "or( !s carr!e out throu%h the
N'I'C'T'
NI&T6 National Institutional &a,ilitation T.,-nologi.s (Pvt%) Li3it.4;
NICT !s a 8o!nt venture &et"een a consort!um of s!) ma8or &an(s an
pr!vate sector' It !s respons!&le for the esta&l!shment an mana%ement of
automate clear!n%house fac!l!t!es !n /a(!stan' NICT !s proact!vely !nvolve !n
the moern!*at!on of payment systems !n /a(!stan'
&1NCTION O& CLEARING 'EPARTMENT
The follo"!n% are the ma!n funct!ons of clear!n% epartment'
?' To accept transfer el!ver!es an clear!n% che7ues from the customer
of the &ranch an to arran%e for the!r collect!on'
B' To arran%e the payment of che7ue ra"n on the &ranch an %!ven for
collect!on to any other &ranch of #a&!& +an( of /a(!stan or any other
mem&ers, or su&Hmem&ers of the local clear!n% area''
I' To collect amounts of che7ues ra"n on mem&ers, su&Hmem&ers of
the local clear!n% house, sent for collect!on &y those #a&!& +an(
L!m!te, &ranches "h!ch are not represente a the local clear!n% area'
PROCE'1RE O& 'EPOSITING CHEA1ES IN CLEARING 'EPARTMENT
Whenever a customer "ants to epos!t che7ue, etc, he f!lls a pay !n
sl!p an hans !t over the counter alon% "!th the !nstruments he "ants to
epos!t "!th &an(' As far as poss!&le, the customer es!re that on of the staff
mem&er f!ll !n a sl!p for h!m, he shoul &e o&l!%e promptly'
One port!on of the perforate pay !n sl!p !s hane over to the
epos!tor an the port!on &ecomes the re%ular port!on of a cre!t voucher
T0PES O& CHEA1ES COLLECTE' B0 CLEARING 'EPARTMENT
a' Transfer Che7ues
Transfer che7ues are those che7ues, "h!ch are collecte an pa! &y
the same &ranch of &an('
&' Transfer Del!very Che7ues

Transfer Del!ver che7ues are those che7ues, "h!ch are collecte an
pa! &y t"o !fferent &ranches of a &an(, s!tuate !n the same c!ty'
c' Clear!n% Che7ues
Clear!n% che7ues are those che7ues !n "h!ch the payee 1/erson "ho
epos!t che7ues for collect!on2 an the ra"er of a che7ue ma!nta!n the
account "!th !fferent &an(s'
These clear!n% !nstruments are hane over to NICT after post!n%
necessary stamps an chec(!n% them for any errors' Then further process of
clear!n% !s carr!e on the &ehalf of NICT'
&or.? './art3.nt
Internat!onal trae !s %ro"!n% an "!th the evelopment of !nternat!onal
trae !t has &ecome more !mperat!ve' Cor countr!es to evote more an more
attent!on to the compl!cate mechan!sm of Core!%n E)chan%e' It !s more
!mportant !n case of evelop!n% countr!es' It !s nee of t!me, that a country
shoul conserve !ts fore!%n e)chan%e resources'
MEANING O& &OREIGN EBCHANGE
The fore!%n e)chan%e term refers to the pr!nc!ples that eterm!ne the
rate of e)chan%e' It covers follo"!n% three senses3
!' The mechan!sm or system &y "h!ch !nternat!onal o&l!%at!ons or
!ne&teness are fulf!lle'
!!' The currency of one country !s e)chan%e for that of another'
!!!' The pr!nc!ples on "h!ch the people of "orl settle the!r e&ts to one
another'
L.tt.r of Cr.4it;
It !s a ne%ot!a&le !nstrument throu%h "h!ch the &an( of the e)porter eals "!th
&an( of the !mporter throu%h the %uarantee of a &an(' There are !fferent
part!es !nvolve !n the LLC, eH% !mporter, e)porter, !mporter &an(, e)porter

&an(, an av!sory &an(' LC !nvolves &an(!n% channels !n fore!%n trae to
m!t!%ate r!s('
The proceure of open!n% of an LLC !s as follo"
The f!rst th!n% !s the /erforma !nvo!ce' The /erforma !nvo!ce !s a
ocument 1say a cl!p2, "h!ch !s, sens &y the e)porter to the !mporter
an !nclues the !nformat!on l!(e' Descr!pt!ons of %oos, "hat type of
%oos you are neee an "hat are the 7ual!ty, rate an or!%!nat!n%
country etc'
+efore to open a LLC the &an( also cons!er that the %oos "h!ch the
!mporter !s !mport!n% !s allo"e &y %ovt' of /a(!stan or not' +ecause
the !mporter !s not allo"e to !mport that %oos "h!ch are proh!&!te &y
the Govt' of /a(!stan'
The !mporter !s as(e to sho" the mem&ersh!p cert!f!cate of any
cham&er of commerce an !nustry aff!l!ate "!th the /a(!stan
feerat!on of cham&er of commerce an !nustry'
C!ll the !mport form of the %ovt' of /a(!stan, "h!ch !s the proof of th!s
that there !s no o&8ect!on on the %oos, "h!ch the customer !s
!mport!n%'
What type of %oos you are neee an "hat are the 7ual!ty, rate an
or!%!nat!n% country etc'
Necessary Documents re7u!re for LLC3
NTN
Ta) Author!ty re%!strat!on cert!f!cate
Cham&er of Assoc!at!on$s trae cert!f!cate
Type of +us!ness
NIC
Mar%!n
.e%!strat!on No'
Appl!cat!on for LLC
On prov!!n% these ocuments the !mporter "!ll &e %!ven the LLC form name
as I+H@'
Cont.nts of IB 9

=' .e7uest for LC
:' .ate
<' Importer an E)porter$s part!culars
?' Amount
B' Terms
I' /art!al -h!pment 1Allo"e, not allo"e2
A' Transsh!pment 1Allo"e, Not Allo"e2
@' /ort of Loa!n% an est!nat!on
>' /ayment Moe
I' -!%ht
On see!n% the ocuments the !mporter has to pay'
II' At -!%ht an Ne%ot!at!on3
It means that e)porter "!ll su&m!t h!s ocuments "!th the &an( an
!mme!ately as(s for payment'
III' Acceptance3
On sho"!n% the ocuments to the !mporter, the &an( as(s h!m to accept that
he "!ll pay "!th!n <;, I;, >;, =:;, =@; etc ays'
=;' Documents .e7u!re3
Cert!f!cate of Or!%!n'
Commerc!al Invo!ce
+!ll of La!n% L A!r "ay &!ll'
C-arg.s;
Cor LLC follo"!n% char%es are appl!ca&leE
Comm!ss!on
/osta%e
LLC Av!s!n% comm!ss!on
LLC amenment Comm!ss!on
LLC conf!rmat!on Comm!ss!on
LLC Ne%ot!at!on Comm!ss!on

/ayment Moe3
In fore!%n trae payment moes are
=2 Avance /ayment3 Importer ma(es payment &efore el!very of %oos'
:2 Open ALC3 Importer ma(es payment after rece!v!n% the %oos'
Issuing for.ign .?,-ang. a,,ounts ,-.<u.s books
Another funct!on of fore!%n e)chan%e epartment !n 0!nnah Cho"( &ranch !s
to !ssue fore!%n e)chan%e accounts che7ues &oo(s to customers on re7uest'
Th!s process !s not yet central!*e' Che7ue &oo( !s !ssue "!th!n =B m!nute of
rece!v!n% re7uest from customers after ma(!n% necessary re%!ster entr!es an
post!n% stamps on !t'

Pro4u,ts an4 S.rvi,.s of Habib Bank Li3it.4
.eta!l +an(!n%
&or
In!v!ual Customers

'./osit A,,ounts
Curr.nt A,,ounts
Ma(e unl!m!te transact!ons "h!le ma!nta!n!n% a lo" m!n!mum &alance every
month' #+L !s currently offer!n% three types of accounts !n current account
cate%ory' The!r eta!l an name !s as uner'
=' #+L +us!ness5alueAccount
:' Current Account
<' +as!c +an(!n% Account 1++A2
HBL Busin.ss@alu.A,,ount
,n!7ue transact!onal account for +us!nessmen
,p to B'<BDK prof!t per annum
/rof!t calculate a!ly, pa! every 7uarter
M!n!mum &alance of .s' :;,;;;
#+L De&!tCar an Inter +ranch Transact!on -ystem 1I+T-2 fac!l!t!es
,p to =; +an(ers Che7ues free 1at m!n!mum &alance of .s' B;;,;;;2
Cuns transfer to any &an( throu%h #+L /hone+an(!n%
Curr.nt A,,ount
M!n!mum &alance of .s' B,;;;
,nl!m!te transact!ons
NonHprof!t &ear!n%
#+L De&!tCar an Inter +ranch Transact!on -ystem 1I+T-2 fac!l!t!es
Cuns transfer to any &an( throu%h #+L /hone+an(!n%
Basi, Banking A,,ount (BBA)
Can &e opene "!th only .s' =,;;;
No m!n!mum &alance re7u!rement
,pto : "!thra"al an : epos!t transact!ons free every month

,nl!m!te "!thra"als throu%h #+L De&!tCar
NonHprof!t &ear!n%
Savings a,,ounts
Ava!l the fle)!&!l!ty of ma(!n% transact!ons "h!le earn!n% prof!t on a!lyLmonthly
&as!s' #+L !s currently offer!n% f!ve types of accounts !n sav!n%s account
cate%ory' The!r eta!l an name !s as uner'
=' #+L 5alue Account
:' /L-H-av!n%s Account
<' .em!ttance Munafa /lus -av!n%s Account
?' Da!ly Munafa Account
B' Da!ly /ro%ress!ve Account
HBL @alu. A,,ount
A'=>DK prof!t per annum
/rof!t calculate monthly, pa! every 7uarter
Depos!t ran%es from .s' =;,;;; to .s' =,;;;,;;;
T"o "!thra"als free every month
PLS6Savings A,,ount
B';ID prof!t per annumK
/rof!t pa! &!Hannually
#+L De&!tCar an Inter +ranch Transact!on -ystem 1I+T-2 fac!l!t!es
Cuns transfer to any &an( throu%h #+L /hone+an(!n%
M!n!mum &alance of .s' :;,;;;
,nl!m!te transact!ons
R.3ittan,. Munafa Plus Savings A,,ount
-pec!al account for rece!v!n% fore!%n rem!ttances
B'=:DK prof!t per annum

/rof!t pa! every month
M!n!mum &alance of .s' :;,;;;
'ail Munafa A,,ount
/rof!t calculate a!ly, pa! every month
,p to @'@?D prof!t per annumK
#+L De&!tCar an Inter +ranch Transact!on -ystem 1I+T-2 fac!l!t!es
Cuns transfer to any &an( throu%h #+L /hone+an(!n%
M!n!mum &alance of .s' :;,;;;
'ail Progr.ssiv. A,,ount
,n!7ue transact!onal account for Inst!tut!ons
/rof!t calculate a!ly, pa! every month
,p to =='BAD prof!t per annumK
Inter +ranch Transact!on -ystem 1I+T-2 fac!l!ty
Cuns transfer to any &an( throu%h #+L /hone+an(!n%
M!n!mum &alance of .s' :;,;;;
T.r3s A,,ounts
Invest your sav!n%s !n #+L term epos!ts for a f!)e urat!on an earn prof!t
"h!le (eep!n% your sav!n%s secure' #+L !s currently offer!n% one type of
account !n terms account cate%ory' The!r eta!l an name !s as uner'
=' #+L Avanta%e Account
HBL A4vantag. A,,ount
Mult!ple opt!ons for tenure an prof!t payout
Loan fac!l!ty up to >;D of !nvestment
M!n!mum !nvestment of .s' :B,;;;
W!thra"al at en of f!)e term

&or.ign Curr.n, A,,ounts
#+L offers Core!%n Currency Accounts !n mult!ple currenc!es as sav!n%s an
term accounts' The!r eta!l !s as uner'
&C6SB
-av!n%s Account offere !n < currenc!es, ,-D 1,- ollar2, E,. 1Euros2
an G+/ 1,K poun2
T!ere prouct, "!th rates epen!n% on cho!ce of currency
To earn prof!t, m!n!mum &alance !n ,-D, E,. an G+/ !s =,;;;
Interest !s paya&le on a 7uarterly &as!s
H0&&' (Hig- 0i.l4 &or.ign Curr.n, &i?.4 './osit)
Ava!la&le !n = month, : month, < month, I month an =: Month !n
,-D, E,. an G+/
T!ere prouct, "!th rates epen!n% on cho!ce of currency an term
/rof!t pa! on matur!ty only' No !nter!m !nterest !s paya&le'
CNOTE; All the rate an terms an con!t!on are rev!se &y #+L after
every s!) months per!os' These rates are only appl!ca&le for per!o
;=';A';> to <='=:';>' Curther eta!l of terms an con!t!ons a&out prof!t
an rates !s %!ven !n anne) R+S'

T.nur. Profit at 3aturit
< MONT#- A'B;DK
IMONT#- @';;DK
= 6EA.- ==';;DK
< 6EA.- =<';;GK
B 6EA.- =?';;DK
=; 6EA.- =A';;DK
HBL ,ar loan
#+L Car Loan helps customers to %et the!r preferre car throu%h a s!mple
an hassleHfree process, &ac(e &y super!or serv!ce an support' No"
customer can r!ve a car he al"ays "ante'
&.atur.s
Cho!ce of use, ne" localL!mporte an recon!t!one !mporte car'
.epayment opt!ons ran%!n% ,pto A years'
,pto @BD of f!nanc!n% for the car of your cho!ce'
Insurance at all t!mes for complete peace of m!n an secur!ty'
.oun the cloc( support ava!la&le throu%h #+L /hone+an(!n%E you
can place your re7uests an 7uer!es, trac( the status of your
repaymentLloan account an ava!l other valueHae serv!ces throu%h
#+L /hone+an(!n%'
Eligibilit Crit.ria

Ho: to a//l
0ust v!s!t any #+L &ranch or #a&!& +an( Auto C!nance Centre for
eta!ls an appl!cat!on'
-u&m!t complete set of appl!cat!on "!thout any char%es to the &ranch
or the Auto Center'
-!%n the necessary ocuments on approval of the appl!cat!on
/ayment !s release "!th!n :? hours of the su&m!ss!on of postHate
che7ues an !n!t!al payment after approval of the re7uest'
'o,u3.ntation
Salari.4 In4ivi4uals
Complete Appl!cat!on Corm
-alary Cert!f!cate L Most recent -alary -l!p
+an( -tatement for past one year
T"o Cop!es of NIC
Employment Cert!f!cate "!th ate of 8o!n!n%
T"o passport s!*e photo%raphs
Copy of the last pa! ut!l!ty &!ll 1res!ence2
S.lf6E3/lo.4 Busin.ss /.rsonsDProf.ssionals
Complete Appl!cat!on Corm
T"o Cop!es of NIC
T"o passport s!*e photo%raphs
Letter of propr!etorsh!p L .e%!stere /artnersh!p Dee
Cert!f!e latest Corm A an Corm :>, "here appl!ca&le, alon% "!th
art!cles an Memoranum of Assoc!at!on
Copy of last pa! ut!l!ty &!ll 1res!ence2
+an( -tatement for the last = year
HBL ,ar to ,ar

#+L CarToCar !s a revolut!onary car f!nanc!n% offer' It ma(es the car of
customer cho!ce affora&le an pract!cal "!th a bu ba,k guarant..' #+L
CarToCar offers matchless features an un!7ue opt!ons at the en of the
lease' No" customer can r!ve a ne" car at the en of every t"o years'
&.atur.s
Pa onl for :-at ou us.
When customer lease a car uner #+L CarToCar, he only pay for that part of
the car$s value that he use ur!n% the lease term' The car$s res!ual value
1forecaste for the en of the spec!f!c lease term2 !s a%ree "!th h!m at the
start of the lease term' Th!s amount !s eucte from the car pr!ce thus
lo"er!n% the f!nance amount' Th!s f!nance amount !s &ase only on a part of
the car$s value an not the full value of the car' Therefore, #+L CarToCar
offers very lo" !nstallments as compare to any convent!onal f!nanc!n%'
1/gra4. of lif.stl.
#+L %!ves customer the %uarantee that !f he "!shes to return the car to #+L
at the en of the lease term, he "!ll not have to pay off the car$s res!ual
value' Instea, #+L "!ll !rectly settle th!s outstan!n% l!a&!l!ty for customer
uner the &uy &ac( %uarantee' #ence, he can up%rae to a ne" car as
fre7uently as t"o years "!thout any compl!cat!on an hassle'
Affor4abilit
W!th #+L CarToCar, customer only has to pay the !fference &et"een the car
pr!ce an the preHa%ree res!ual value to the &an(' As a result, the monthly
!nstallment may even &e ?;D to B;D less than that of convent!onal f!nanc!n%'
&l.?ibilit
#+L CarToCar offers customers several cho!ces at the en of the lease term3
W 1/gra4. H -!mply return the car to #+L an r!ve a ne" one home
W 5alk a:a 6 .eturn the car to #+L an en the lease

W Bu 6 Keep the same car' 0ust ma(e a oneHt!me settlement of the car$s
res!ual value to #+L or pay the same !n easy !nstallments over a spec!f!e
e)tene per!o of t!me
W S.ll 6 En8oy the %a!n from sell!n% off the car at a h!%her pr!ce !n the mar(et
than "hat you ay #+L as the res!ual value
Eligibilit Crit.ria
'o,u3.ntation
Salari.4 In4ivi4uals
Complete Appl!cat!on Corm
-alary Cert!f!cate L Most recent -alary -l!p
+an( -tatement for past one year
T"o Cop!es of NIC
Employment Cert!f!cate "!th ate of 8o!n!n%
T"o passport s!*e photo%raphs
Copy of the last pa! ut!l!ty &!ll 1res!ence2
S.lf6E3/lo.4 Busin.ss /.rsonsDProf.ssionals
Complete Appl!cat!on Corm
T"o Cop!es of NIC
T"o passport s!*e photo%raphs
Letter of propr!etorsh!p L .e%!stere /artnersh!p Dee

Cert!f!e latest Corm A an Corm :>, "here appl!ca&le, alon% "!th
art!cles an Memoranum of Assoc!at!on
Copy of last pa! ut!l!ty &!ll 1res!ence2
+an( -tatement for the last = year
HBL Cr.4it Car4
+y the help of #+L cre!t car customer enters !nto the "orl of conven!ence
an fle)!&!l!ty' Accepte at over :> m!ll!on merchants "orl"!e, #+L Cre!t
Car ma(es shopp!n% fun an pay!n% s!mple' -o that a customer can ma(e
the most of h!s shopp!n% e)per!ence'

B.n.fits
Bu no:E /a lat.r
+uy "hat customer "ant, "hen he "ant an pay for !t later' A cre!t car
statement "!ll &e sent to h!m every month "!th eta!ls of all h!s purchases' #e
"!ll have := cre!t free ays to ma(e the payment from the statement ate'
Customer shoul pay at least < ays !n avance !f he ma(es your payment &y
che7ues to allo" enou%h t!me for clearance'
Pa as 3u,- as ,usto3.r :ants
A customer can pay the ent!re or as l!ttle as BD of the outstan!n% &alance !n
h!s statement' The unpa! amount "!ll &e transferre to h!s ne)t month$s
statement alon% "!th appl!ca&le serv!ces char%es'
Cas- a4van,.
Customer can %o to any spec!f!e #+L &ranch an "!thra" cash at the
counter' #e can also %o to any =L!n( ATM !n /a(!stan an more than
=,;;;,;;; ATMs "orl"!e !splay!n% the 5!saL/lus lo%o' W!thra" cash up
to the ava!la&le cash avance l!m!t on h!s #+L Cre!t Car for a char%e
appl!ca&le from the "!thra"al ate'
Balan,. transf.r fa,ilit
Car holer can pay off &alances he o"es to other &an(s throu%h h!s #+L
Cre!t Car at a lo"er serv!ce char%e'
S.,urit
Car holer cannot lose cash !f he oesn$t carry !tX In the event that h!s car
%ets stolenLlost, he shoul call #+L /hone+an(!n% to have h!s car &loc(e
!mme!ately'

Hbl 4.bit ,ar4
#+L 5!sa De&!t Car allo"s a car holer to pay for h!s purchases !rectly
from h!s &an( account' #e oesn$t have to carry cash an h!s monthly
statement prov!es h!m "!th a complete recor of all h!s transact!ons so he
can mana%e h!s e)penses "!th ease'
&.atur.s
No Int.r.st
#+L 5!sa De&!t Car !s the perfect "ay of pay!n% for purchases as !t %!ves
access to the e)act amount of money a customer neee, as an "hen he
nees !t' There !s no !nterest or cre!t on payments &ecause he spens from
the money ava!la&le !n h!s personal #+L Account'
Eas. F S.,urit
#+L 5!sa De&!t Car offers ease an conven!ence &ecause car holer
oesn$t have to v!s!t an ATM to "!thra" cash' /ay!n% "!th the #+L De&!t
car !s safe &ecause !t el!m!nates the nee to carry cash' A s!n%le s"!pe

automat!cally e&!ts the e)act purchase amount from h!s personal #+L
account'
S/.n4ing Li3its
The a!ly spen!n% l!m!t at shops an outlets on #+L 5!sa De&!t Car !s .s'
=;;,;;;' 1These f!%ures are su&8ect to the &alance ava!la&le !n account2'
&r.. A,,ount Stat.3.nt
#+L carholers rece!ve a free monthly account statement for the!r De&!t
Car an ATM transact!ons to help them (eep trac( of the!r spen!n%'
Int.rnational R.,ognition F A,,./tabilit
#+L 5!sa De&!t Car !s accepte at over :; m!ll!on 5!sa merchants "orl"!e,
!nclu!n% over =;,;;; merchants !n /a(!stan' As an ATM car !t !s accepte at
more than =,;;; =HL!n( G MHNet ATMs !n /a(!stan an @I?,;;; 5!sa ATMs
"orl"!e' No matter "here car holer !s, "!th the #+L 5!sa De&!t Car,
#+L !s al"ays "!th h!m'
No Liabilit
In case of a lost or stolen car, car holers are protecte a%a!nst frauulent
transact!ons mae on the!r car after they report the !nc!ent'
-bl /.rsonal Loans
W!th the r!s!n% cost of l!v!n%, !t !s &ecom!n% !ncreas!n%ly !ff!cult to ma(e
e)pens!ve purchases or meet une)pecte e)penses' #+L !s help!n% customer
f!nance them "!th #a&!& +an( personal Loans 1ol name fle)! loan2' Customer
may ava!l a personal loan of up to -IN TIME- of h!s net ta(eHhome salary
su&8ect to a ma)!mum of .s'<;;,;;;LH prov!e he "or( for an or%an!*at!on
approve &y #+L'
&.atur.s

Cle)!&le tenure3 =:, :?, <I,?@ or I; months
No process!n% fee
.epayment throu%h easy an affora&le monthly !nstallments from
salary'
Cre!t L!fe G D!sa&!l!ty Insurance
.epayment throu%h easy an affora&le monthly !nstallments
6ou eterm!ne the nee, "e help you f!nance
Opt!on of a up replacement for e)!st!n% customer'
M!n!mum salary .s' =:;;;
No salary l!m!t for e)!st!n% customers'
:<D or :=D rate for e)!st!n% users !nstea of :BD
-bl /-on. banking
No" the &an( !s 8ust call a"ay' Customer can no" call #+L /hone+an(!n%
an save a tr!p to the &ranch' #!s 7uery "!ll &e resolve !n a s!n%le telephone
call from any"here an at anyt!me'
T6PIN G.n.ration
Customer$s T/IN 1Telephone /ersonal Ient!f!cat!on Num&er2 !s %enerate
the f!rst t!me he calls an he can use !t as your pass"or for ver!f!cat!on
purposes, selfHserv!ce &an(!n% throu%h I5. an a!t!onal serv!ces throu%h
#+L$s /hone+an(!n% Off!cers' Customer can chan%e h!s T/IN anyt!me he
l!(e'
HBL P-on.Banking s.rvi,.s for './osit A,,ount ,usto3.rs
Customers can use the Interact!ve 5o!ce .esponse 1I5.2 system or tal( to
#+L /hone+an(!n% Off!cers to3
Get h!s account &alance
Get !nformat!on a&out the last BH=; transact!ons carr!e out on h!s
account

.e7uest &an( statement, e!ther throu%h fa) or ema!l 1as suppl!e !n h!s
su&scr!pt!on form2
Get eta!ls of transact!ons from the last I months on each of the
accounts l!ste on h!s su&scr!pt!on form
Chan%e anLor mo!fy h!s contact eta!ls
Transfer funs &et"een h!s o"n accounts 1as l!ste !n the su&scr!pt!on
form2 or from h!s account to a th!r party account 1as l!ste !n the Th!r
/arty Author!*at!on Corm2
Transfer funs from h!s o"n account to an account !n another &an(
uner the =HL!n( net"or( 1Inter +an( Cuns Transfer2
Generate h!s o"n cho!ce of ATM /!n "!thout f!ll!n% a re7uest at your
&ranch
In7u!re a&out #+L$s prouct offer!n%s
Lo%e a compla!nt !n case of any !nconven!ence
In7u!re a&out the a!ly accounts relate prof!t rates an currency
e)chan%e rates
.e7uest a num&er of phys!cal !nstruments anLor &ranch &an(!n%
relate serv!ces that he m!%ht re7u!re, !nclu!n%3
/ay Orer
Deman Draft
-tatement
+alance Cert!f!cate
Che7ue +oo(
HBL P-on.Banking s.rvi,.s for HBL CarToCar an4 Car Loan ,usto3.rs
#+L CarToCar an #+L CarLoan customers can en8oy the follo"!n% serv!ces
throu%h #+L /hone+an(!n%3
+alance In7u!ry
Last BH=; Transact!ons
-tatement Generat!on 1Ema!l an Ca)2
Account Ma!ntenance
Ass!stance !n case of Car TheftLDama%e

Hbl ban,assuran,.
#+L an Ne" 0u&!lee L!fe Insurance Company L!m!te 1N0LI2 !ntrouce
Amaan 1.et!rement /lan2 an Ta&eer 1Ch!l Eucat!on G Marr!a%e2' These
proucts have &een es!%ne (eep!n% #+L$s customer &ase as the focus an
"!ll prov!e l!fe !nsurance alon% "!th an !nvestment opt!on'
A3aan (R.tir.3.nt /lan)
Amaan !s a pens!on plan that prov!es an opportun!ty for %ro"th throu%h
!nvestment !n a &alance portfol!o "!th postHret!rement !ncome &enef!ts' The
plan covers l!fe !nsurance an %!ves attract!ve returns on !nvestment to !ts
customers'
Tab..r (C-il4 E4u,ation an4 3arriag. /lan)
Ta&eer !s a plan that prov!es parents "!th a means to accumulate a fun
over a per!o of t!me "h!ch can then &e use to pay for a ch!l$s eucat!on or
marr!a%e' /lans are ava!la&le for &oth uner an over ?B years of a%e'

Lo,k.rs
Loc(ers are ava!la&le !n many of the #+L &ranches !n !fferent s!*es l!(e
small, me!um an lar%eE some &ranches also have e)tra lar%e an cu&!cal
loc(ers' E)cept rural areas &ecause of secur!ty reasons'
Eligibilit for using lo,k.rs
Only the account holers can ava!l the fac!l!ty of loc(ers' The annual rent "!ll
&e !rectly e&!te from the!r respecte accounts at the start of the year'
C-arg.s
Si2. K. 4./osit (r.fun4abl.2
Annual r.nt
Rs%
-MALL :B;; :AB;
MEDI,M <;;; <@B;
LA.GE ?;;; I;B;
Key epos!t !s refuna&le at the t!me han!n% over the loc(er to &an(' Cor the
staff of #+L (ey epos!t !s not re7u!re an also the annual rent !s very lo" for
them'

Hbl ,or/orat. banking
#+L Corporate +an(!n% Group compr!ses a seasone team of .elat!onsh!p
Mana%ers 1.Ms2 to meet the eman!n% serv!ce stanars of lar%e
corporat!ons' A lon% h!story of f!nanc!n% an nurtur!n% relat!onsh!ps !n
/a(!stan has %!ven #+L a un!7ue !ns!%ht, ena&l!n% !t to prov!e t!mely an
effect!ve f!nanc!al solut!ons for the!r customers to meet the %ro"!n% challen%es
of a %lo&al economy' Cor a corporate customer, "!th a turnover of at least
/K. <;; m!ll!on, #+L has a ran%e of solut!ons es!%ne to help h!m "!th h!s
&an(!n% nees' The!r .Ms have the e)pert!se customer nee to create
ta!lore f!nanc!al solut!ons cater!n% to the spec!f!c re7u!rements of h!s
&us!ness' Whether esta&l!sh!n% a ne" venture or e)pan!n% an e)!st!n%
&us!ness, #+L$s team unerstans customer$s &an(!n% nees an "or(s
closely "!th h!m to real!*e h!s %oals'
S.rvi,.s
#+L prov!es the follo"!n% serv!ces to meet customers fun!n% re7u!rements3
Wor(!n% Cap!tal C!nance, !nclu!n% Overraft, CE Loans, etc'
/re an /ost -h!pment E)port C!nanc!n% 1/K. an ,-D &ase2
Import C!nanc!n% 1/K. an ,-D &ase2
LMM Cun!n%
.ece!va&le D!scount!n%
Islam!c +an(!n% fac!l!t!es
Cash Mana%ement -erv!ces
Trae -erv!ces !nclu!n% Letter of Cre!t, Letter of Guarantee an
-tan&y Letter of Cre!t, etc'
HBL CORPORATE CENTERS
='Cor/orat. C.ntr.E Kara,-i I'E?/ort Pro,.ssing *on.E Kara,-i
:'PIA Bran,-E Kara,-i A'St..l MillsE Kara,-i
<'Sto,k E?,-ang.E Kara,-i @'Sto,k E?,-ang.E La-or.
?'Cor/orat. C.ntr.E Isla3aba4 >'Morga Bran,-E Ra:al/in4i
B'Cor/orat. C.ntr.E &aisalaba4 =;'Cor/orat. C.ntr.E Multan

!!% Kara,-i Port TrustE Kara,-i
HBL Co33.r,ial banking
#+L$s Commerc!al +an(!n% Group tar%ets me!um s!*e compan!es "!th a
turnover of at least /K. B; m!ll!on' Its &us!ness un!ts are locate !n Karach!,
Lahore, Ca!sala&a, -!al(ot, Gu8ran"ala an /esha"ar' Each un!t !s
e!cate to serv!ce &us!ness clusters locate "!th!n these c!t!es' They have
the a&!l!ty an the resources to meet the nees of customer$s &us!ness "!th
the!r proHact!ve, respons!ve an e)per!ence .elat!onsh!p Mana%ers "ho are
comm!tte to unerstan!n% customer$s &us!ness'
S.rvi,.s
#+L offers f!nanc!n% for the follo"!n%3
Wor(!n% Cap!tal
/rocurement of Inventory
.ece!va&les
/rocurement of Mach!nery
E)pans!on of prouct!on fac!l!t!es
Import of ra" mater!als
E)ports
Guarantees
HBL COMMERCIAL BANKING CENTERS
='Al6NoorE Kara,-i >'&or.ign E?,-ang.E Kara,-i
:'Korangi In4ustrial Ar.aE Kara,-i =;'Na/i.r Roa4E Kara,-i
<'Sa44arE Kara,-i =='S%I%T%E% Kara,-i
?'Tari< Roa4E Kara,-i =:'Panora3a C.ntr.E La-or.

B'Ba4a3i Bag-E La-or. =<P.,o Roa4E La-or.
I'Kas-3ir Roa4E Sialkot =?'Paris Roa4E Sialkot
A'S3all In4% Estat.E Sialkot% =B'Cir,ular Roa4E &aisalaba4
@'P.o/l.s ColonE &aisalaba4 =I'Trust Pla2aE GuGran:ala
!#%Su/.r Mark.tE P.s-a:ar
Hbl 2arai banking
#+L 4ara!+an(!n% fac!l!t!es are sprea across the country an prov!e
f!nanc!n% throu%h more than @;; of the!r &ranches' #+L$s presence !n all
a%r!culture &elts of the country ensures easy access to farmers !n rural areas'
#+L 4ara!+an(!n% prov!es loans to smallHscale lan o"n!n% farmers as "ell
as lar%e !nst!tut!onal!*e an all!ance &ase f!nance, enhanc!n% a%r!cultural
harvest an, !n turn, econom!c output of the country'
Pro4u,ts
#+L 4ara!+an(!n% ena&les farmers to !nvest !n prem!er 7ual!ty sees,
fert!l!*ers, pest!c!es, a%r!cultural !mplements an nonHfarm setups throu%h !ts
var!ous prouct pro%rams'
Cro/ In/uts
Crop spec!f!c f!nance for purchase of A%r!culture !nputs such as see,
fert!l!*er, pest!c!e an other relate !nputs'
&ar3 I3/l.3.nts

C!nance ava!la&le for purchase of farm !mplements G mach!nery l!(e
com&!ne harvester, sprayers, plou%hs, tu&e "ells an other cropHrelate
toolsL!mplements'
Tra,torsDAgri,ultural @.-i,l.s
C!nance ava!la&le to !n!v!ual farmers, selfHemploye tractor operators,
prov!!n% the opt!on to select veh!cles from a ran%e of !fferent manufacturers'
Liv.sto,k
C!nance ava!la&le for fee, me!c!nes, ra" mater!al, ra!s!n% char%es an other
relate act!v!t!es'
Poultr
C!nance ava!la&le for all poultry relate act!v!t!es !nclu!n% poultry farm
construct!onLe7u!pment, hatchery plant G mach!nery, poultry fee, poultry
me!c!nes, compos!te fee prouct!on, poultry process!n% an other relate
act!v!t!es'
&is- &ar3ing
C!nance ava!la&le for !nlan f!sh farms as "ell as eepHsea f!sh!n%' Th!s
!nclues procurement of &oat, f!sh locat!n% e7u!pment, nets G ropes, !ce
ma(er, f!sh farm "ater solut!on, hatchery construct!onLe7u!pment, purchase of
me!c!nes L fee an other relate act!v!t!es'
Grou/ L.n4ing
0o!nt f!nance fac!l!ty for a %roup of farmers "!th small lan hol!n%s for "or(!n%
cap!tal re7u!rement'
NOTE; These f!nances may &e ava!le uner Deman C!nance or .unn!n%
C!nance cate%or!es' Deman C!nance !s usually ava!la&le for short term
f!nanc!n% nees "h!le .unn!n% C!nance !s ava!la&le on the &as!s of revolv!n%
l!m!t'
Isla3i, banking
Islam!c +an(!n% !s a %ro"!n% mar(et se%ment that offers attract!ve
opportun!t!es to potent!al an e)!st!n% customers' At #+L, Islam!c +an(!n%

offers -har!ah compl!ant proucts an serv!ces to meet the short an lon%
term re7u!rements of &us!ness, trae an !nustry'
S-aria- Co3/lian,.
#+L$s Islam!c +an(!n% proucts are !n str!ct compl!ance "!th the tenets of
-har!ah an &ear -har!ah Compl!ance Cert!f!cat!on from an !nepenent
-har!ah Av!sor' The!r -har!ah Av!sor has !n epth e)per!ence !n -har!ah
rul!n%s 1Cata"a2 an teach!n%s at !fferent forums "!th 7ual!f!cat!ons of DarsH
eHN!*am!, M'A an L'L'+' #+L also have a -har!ah -cholar, as mem&er of
the!r -har!ah -uperv!sory Comm!ttee to ensure a soun -har!ah Compl!ance
mechan!sm, %!v!n% prompt responses to customer$s nees an access to
-har!ah (no"le%e'
Pro4u,ts an4 S.rvi,.s
Corporate an Commerc!al customers can choose from -har!ah compl!ant
&an(!n% solut!ons to meet the!r &us!ness nees'
IGara- (L.asing)
Me!um to lon% term fac!l!ty for veh!cles, plant an mach!nery lease out to
the cl!ent on rental &as!s'
'i3inis-ing Mus-araka
Me!um to lon% term fac!l!ty for veh!cles, plant an mach!nery on 8o!nt
o"nersh!p &as!s'
Muraba-a
Local an Import fac!l!t!es for purchase of ra" mater!als, sem! f!n!she an
f!n!she %oos, stores or spares'
Tra4. S.rvi,.s
Letter of Cre!t Cac!l!ty, Collect!on of Core!%n +!lls, Collect!on of Local +!lls,
Letter of Guarantees'
Customers are "elcome to v!s!t the!r Islam!c +an(!n% &ranch for the follo"!n%
serv!ces3
Current Account 1/K., ,-D, E,.O, /O,ND -TE.LING2
+as!c +an(!n% Account

ATMLDe&!t Car Cac!l!ty
Core!%n L Inlan .em!ttances
,t!l!ty +!lls Collect!on
EH&an(!n% L Internet +an(!n% -erv!ces
:?LA /hone +an(!n% -erv!ces
/ersonal!*e customer fr!enly serv!ces
-av!n% Depos!ts "!ll &e !ntrouce soon
L.arning as an int.rn
As every &oy (no"s that UKno"le%e "!thout pract!ce !s ster!le UIn orer to
%!ve vent to th!s !ea an Internsh!p pro%ram of s!) to e!%ht "ee(s has &een
arran%e !n !fferent esteeme or%an!*at!ons ur!n% +-IT' In th!s re%ar on
:?th of Nov :;;>, I "as as(e &y Mr' .ona7 4aman 15/ G .GM !n #+L .#V
/esha"ar2 to %o to #a&!& +an( A,-C &ranch to start an !nternsh!p of e!%ht
"ee(s there' Dur!n% th!s per!o I %ot a chance to "or( an learn !n follo"!n%
epartments of the &an(3
Core!%n e)chan%e epartment
+!lls clear!n% epartment
Cre!t epartment
I'T epartment
Cash epartment
Accounts, ATM an Loc(ers epartment
'uti.s an4 l.arning in &or.ign .?,-ang. 4./art3.nt
C!rst of all I starte my tra!n!n% !n fore!%n e)chan%e epartment of the &an(
uner the superv!s!on of Mr' Kushhal 1Mana%er Core) epartment2' I came to
(no" a&out the !fferent funct!ons of fore!%n e)chan%e epartment an ho" to
perform these funct!ons ur!n% my "or( !n the epartment'
My 4uti.s !n the epartment "ere relate to the follo"!n%s3

Core!%n currency e)chan%e rates'
Letter of cre!t 1L'C2 &oth open!n% an ne%ot!at!on'
Letter of %uarantee
Issu!n% chec( &oo(s for fore!%n currency accounts
.em!ttances appl!cat!ons'
L.arning
O/.ning of l.tt.r of ,r.4it% +an( starts "or(!n% on open!n% process after an
appl!cat!on !s rece!ve from the &uyer 1!mporter2' I came to (no" a&out the
process of open!n% of L'C, ocuments that &an( emans from appl!cant,
form use for that purpose, %ett!n% A'T 1Ava!lance T!c(et2 from re%!onal hea
off!ce an scann!n% an ma!l!n% the ocuments to hea off!ce Karach! for the
purpose of %ett!n% approval, an payment on matur!ty ate' Open!n% an
ne%ot!at!on &oth are central!*e process !n #a&!& &an( therefore approval
from hea off!ce !s re7u!re'
N.gotiation of L%C' +an( starts ne%ot!at!on of letter of cre!t 1"h!ch "oul &e
alreay opene &y !mporter$s &an(2 after the appl!cat!on from seller 1e)porter2'
+efore sen!n% the ocuments for payment to !mporter &an( ne%ot!ator &an(
must ensure that the ent!re ocument ment!one !n Claus ?IA of the L'C are
attache an complete'
Dur!n% the "ee( I also "or(e on R.3ittan,.s a//li,ation' An appl!cant
"ho "ants to transfer funs a&roa must have a fore!%n currency account !n
the &an(' +ecause -tate +an( of /a(!stan only allo" account to account
transfer of funs a&roa throu%h &an(s' An I came to (no" a&out the
process an !nformat!on re7u!re to f!ll the form' I also came (no" a&out the
process of !ssu!n% fore!%n currency account$s che7ue &oo( to customers'
Dur!n% the "ee( I learn many th!n%s a&out the mechan!sm of fore!%n trae'
'uti.s an4 l.arning in bill ,l.aring 4./art3.nt
The secon epartment !n "h!ch I %ot a chance to "or( "as &!ll clear!n%
epartment' Dur!n% the "or( !n clear!n% epartment I came to (no" a&out the
!fferent funct!ons of clear!n% epartment an ho" to perform them' I came to
(no" the process of rece!v!n% che7ues &y Da(, ho" to chec( che7ues for any

error l!(e, the che7ues shoul &e of the &an( "h!ch !s the clear!n% mem&er of
area "h!ch comes uner #+L A,-C &ranch for e)ample !f the che7ue !s of
&an( AlHCallah Lahore then !t shoul %o to *onal &ranch of Lahore re%!on
!nstea of *onal &ranch of /esha"ar' Then chec(!n% "hether the amount of
che7ue an O+C 1out"ar &an( collect!ons2 voucher attache to !t !s same or
not' If no error !s foun then ma(!n% re%!ster entr!es &y not!n% o"n the!r O+C
num&er &ranch coe an amount of the voucher' Then3
Calculat!n% the total amount of vouchers &y summ!n% !n!v!ual
amounts'
Calculat!n% the total amount of che7ues &y summ!n% !n!v!ual
amounts'
/repar!n% an a l!st to &e attache "!th clear!n% !nstruments
1che7ues2'
Wr!t!n% vouchers for eman rafts'
An I also came to (no" a&out the !fferent types of stamps an the!r use !n
part!cular s!tuat!on l!(e DAK .ECEI5ED stamp an CLEA.ING stamp' After
attach!n% a l!st, clear!n% !nstruments are hane over to NICT for further
process!n%' These clear!n% !nstruments are el!vere to the!r respect!ve &an(s
for clearance &y NICT' I also learnt !n case of +an(er$s Che7ues ho" to ver!fy
s!%nature from the &oo( !n "h!ch all the s!%natures of author!*e persons of
#+L are %!ven "!th the!r spec!f!c coe' An I also "or(e on O+C 1Out"ar
&an( collect!on2 for"ar!n% scheule' I came to (no" the process of sen!n%
che7ues or other clear!n% !nstruments for clearance to *onal &ranch of
another re%!on'
C!ll!n% vouchers
Ass!%n!n% O+C num&ers
Ma(!n% entr!es !n O+C re%!ster
'uti.s an4 l.arning in ,r.4it 4./art3.nt
After &!ll clear!n% epartment I starte my "or( an learn!n% !n cre!t
epartment of the &ranch' M!ss Lu&na 1Cre!t Mana%er2 tol me a&out the
terms an con!t!ons of the commerc!al loan, types of commerc!al loan l!(e
!nustr!al loan an loan for merchants, ho" to ma(e proposal for commerc!al

loan, ocument re7u!re to ma(e a proposal, mar(up of commerc!al loan
1=@'B D annually2' #e also %ave me chance to v!e" some ol proposals an
the proposal on "h!ch he "as "or(!n%'
Mr' Naseem 1ass!stant for M!ss Lu&na !n cre!t epartment2 "ho !s eal!n%
consumer f!nanc!n%' #e tol me a&out !fferent types of consumer f!nanc!n%'
Cle)! loan 1personal loan2
Auto f!nance
L!festyle loan
In /esha"ar re%!on at th!s po!nt of t!me from #+L only personal loan !s act!ve
"h!le auto f!nance !s a&out to start a%a!n !n near future an l!festyle loan !s
!nact!ve' I came to (no" a&out the terms an con!t!ons of personal loan'
Only the %overnment servant "ho has h!s salary account at least s!) month
ol !n #+L can apply' D!fferent mar(up for !fferent cate%or!es l!(e :=D, :<D
an :BD'
:=D for e)!st!n% users$ upto < year urat!on
:<D for e)!st!n% users for ? or B years urat!on'
:BD for ne" customers
I also ! "or( on ocumentat!on process for personal loan' I came to (no"
a&out the !fferent types of ocument re7u!re to complete a case for sen!n%
!t to re%!onal hea off!ce for approval' Document l!(e &ranch chec( l!st,
appl!cat!on form, Copy of CNIC of customer an t"o references, CNIC
ver!f!cat!on report from NAD.A, customer$s account statement, f!nance
a%reement form etc'
I also came to (no" a&out !fferent types of secur!t!es "h!ch a &an( emans
from customer "h!le !ssu!n% loan' e'%' Guarantees, Mort%a%e, #ypothecat!on
an /le%e'
'uti.s an4 l.arning in A,,ountsE ATM an4 Lo,k.rs 4./art3.nt
Then I learne a&out ATM (auto3ati, t.ll.r 3a,-in.2' I came to (no" a&out
the funct!ons an "or(!n% process of ATM mach!ne' Loa!n% cash an
&alanc!n% at the t!me of loa!n% a%a!n' Ne)t my ma!n concern "as to (no"
a&out all the aspects of ATM car' I came (no" a&out the types, process of

!ssu!n% ATM car to customers, f!ll!n% forms, ho" to act!vate ATM car,
char%es of !ssu!n% an us!n% ATM car'
Then I spent my t!me !n lo,k.rs 4./art3.nt' I too( all the !nformat!on a&out
the terms an con!t!ons of allott!n% an operat!n% a loc(er, types of loc(er
l!(e small, me!um an lar%e, char%es of us!n% loc(ers, (ey epos!t
1refuna&le2, f!ll!n% appl!cat!on forms, !nsurance amount for spec!f!c s!*e of
loc(er an etc' I also came to (no" a&out the process of operat!n% loc(er &y
the customer, ho" to open the loc(er "!th the help of t"o (eys'
= (ey !n the han of &an( off!cer 1ant!cloc("!se2
:n (ey !n the han of customer 1cloc("!se2
Customer !s allo"e to operate the loc(er !n full pr!vacy' Only the customer
h!mself or other person author!*e &y h!m can operate the loc(er' After that
&an( off!cer has to ta(e the s!%nature of the customers on attenance re%!ster
ma!nta!ne for th!s purpose'
Then my uty "as !n Accounts epartment' I came to (no" the proceure for
f!ll!n% the form to open an account, !fferent types of stamps re7u!re an
a&out s!%nature of the staff' Documents re7u!re to &e attache "!th the form'
Copy of CNIC
,t!l!ty &!ll
/rov!s!onal rece!pt
K6C 1Kno" 6our Customer2
An ho" to post an account on system after f!ll!n% the form' Then I came to
(no" a&out -av!n% accounts an !fferent types of accounts !n sav!n%
cate%ory an terms an con!t!ons of each type'
=' #+L 5alue Account
:' /L-H-av!n%s Account
<' .em!ttance Munafa /lus -av!n%s Account
?' Da!ly Munafa Account
B' Da!ly /ro%ress!ve Account
Then current accounts
I' #+L +us!ness 5alue Account
A' Current Account

@' +as!c +an(!n% Account 1++A2
Term accounts
>' #+L Avanta%e Account
=;' Investment plus Depos!t
CC accounts
==' CCH-+
-av!n%s Account offere !n < currenc!es, ,-D 1,- ollar2, E,. 1Euros2 an
G+/ 1,K poun2
=:' #6CCD 1#!%h 6!el Core!%n Currency C!)e Depos!t2
Ava!la&le !n = month, : month, < month, I month an =: Month !n ,-D, E,.
an G+/
Assign3.nts
(!)Dur!n% my "or( !n accounts epartment Mr' 0ehan*e& Khan 1mana%er
operat!on2 ass!%ne me the uty of chec(!n% the f!les of prev!ously opene
accounts for any type of !screpanc!es l!(e ut!l!ty &!ll or serv!ce cert!f!cate of
the account holer !s attache or not an chec(!n% stamps an s!%nature of
the staff etc' It "as &ecause an au!t of these f!les !n the com!n% month !s
scheule' Almost a&ove B;D of the appl!cat!on forms "ere hav!n%
!screpanc!es of !fferent types' Th!s turns out to &e very !nformat!ve
e)per!ence for me' Depos!ts are cons!ere as l!fe&loo for any &an( to
surv!ve' I came to (no" a&out the proceure an !fferent types of epos!ts
that customers can ma!nta!n !n #+L, return rates that a customer can %et an
other terms an con!t!ons of each type of account' As far as chec(!n% the ol
f!les are concern !t seems &or!n% &ut from my po!nt of v!e" !t "as very
!nformat!ve' The learn!n% I %ot "h!le o!n% th!s 8o& "oul never &e easy to %et
other"!se'
(+) Mr' 0ehan*e& Khan ass!%ne us another tas(' -tate &an( of /a(!stan has
!nstructe all the &an(s !n /a(!stan to ma(e sure ava!la&!l!ty of computer!*e
nat!onal !ent!ty cars of all the account holers' We "ere %!ven a l!st of
accounts from "h!ch CNIC "as re7u!re an prepr!nte letters' Our tas( "as
to ta(e the !nformat!on from accounts l!(e Name, Aress an Account type

&y enter!n% the account num&er !n the system an then pr!nt!n% that
!nformat!on on one corner of the letters' Th!s also turns out to &e a very
!nformat!ve e)per!ence for me' I learn an %et a chance to "or( on computer
soft"are that the #+L !s us!n%, ho" to v!e" account !nformat!on, chec(!n%
&alances an upat!n% the !nformat!on'
($) Due to my fam!l!ar!ty "!th the!r computer soft"are I "as %!ven another tas(
of upat!n% account !nformat!on on the!r computer system MIS0S% L!(e
account holer$s name, aress, CNIC num&er etc' In case of any pro&lem I
"as consult!n% !t "!th Mr' Imt!a* #usa!n' Th!s tas( %ave me more chances to
learn a&out the computer system of #+L an also I can prouly say that I
have my o"n share of "or(!n% !n computer!*!n% #+L$s recor'
Ho: t-is .?/.ri.n,. :ill i3/a,t 3 ,ar..r
Wor(!n% for ;@ "ee(s !n #+L A,-C &ranch /esha"ar as an !ntern "as very
!nformat!ve e)per!ence for me' Dur!n% the t!me I learnt many ne" th!n%s "h!ch
are surely %o!n% to help me !n my profess!onal career' It "as a %oo
e)per!ence for me to o&serve an to &e the part of pract!cal "or(!n% of an
or%an!*at!on l!(e #+L' Dur!n% the !nternsh!p I %ot a chance to unerstan
%eneral consumer$s &ehav!or an h!s nees an "ants relate to &an(!n%
serv!ces an proucts'

S:ot analsis
Str.ngt-s
-tren%th can &e ef!ne as an area "here a company !s &est at o!n%
someth!n% or a feature that puts the company at an avanta%e !n compar!son
to !ts compet!tors' #+L en8oys the follo"!n% stren%ths3
#A+I+ +ANK !s a "ell esta&l!she &an( en8oy!n% lon% h!story of over
IB years of e)per!ence an prof!ta&le operat!on'
#+L !s the lar%est pr!vate &an( !n /a(!stan no" an people trust !s very
h!%h'
It has the lar%est &ranch net"or( amon% pr!vate &an(s of /a(!stan'
#+L has &een very effect!ve !n controll!n% costs as !t successfully
restructure !tself after !ts pr!vat!*at!on' Dur!n% th!s process more than
=,I;; employees "ere rel!eve uner a %olen hansha(e scheme
an ==; &ranches "ere close'
E)cellent &ranches appearance %!ves an e%e to #+L over other
&an(s' The &ranches are "ell furn!she even !n less evelope areas
"here other &an(s$ &ranches %!ve a poor v!e"'

#+L has the a&!l!ty to &r!n% !nnovat!ve proucts an serv!ces l!(e
personal!*e serv!ce, electron!c funs Transfer, soph!st!cate f!nanc!al
proucts such as electron!c &an(!n%, autoHteller mach!nes an even!n%
&an(!n%'
The +an($s .upee Traveler Che7ues have &een mar(et leaers for the
past s!) years'
#+L$s car to car f!nanc!n% scheme !s un!7ue !n auto loan se%ment'
#a&!& &an( !s an !nternat!onally reco%n!*e name !n &an(!n% serv!ces
an proucts'
#+L has for%e strate%!c all!ances "!th !nternat!onal &an(s for
e)pan!n% !ts net"or( further, &oth locally an !nternat!onally'
5.akn.ss.s
A "ea(ness !s ef!ne as an area !n an or%an!*at!on "here the or%an!*at!on !s
not as %oo at o!n% someth!n% as !ts compet!tors or a th!n% "h!ch an
or%an!*at!on lac(s thus putt!n% the or%an!*at!on at !savanta%e !n
compar!son to !ts compet!tors' +ase on the a&ove ef!n!t!on, #+L has the
follo"!n% "ea(nesses'
Lac( of commun!cat!on &et"een &an( an customers a&out terms an
con!t!on of proucts an serv!ces' L!(e central!*at!on of che7ue &oo(
!ssu!n% process'
Employees at &ranch level are not properly mot!vate to "or( &y heart'
They ta(e the all rout!ne act!v!t!es as a &or!n% 8o&'
Most of the employees lac( mana%er!al tra!n!n% as they are not
properly eucate' Due to sen!or!ty, they have move up on the
h!erarchy l!ne to GraeHI, II or III pos!t!ons hav!n% harly &achelor

e%rees' Th!s type of sen!or staff cannot apply the moern an
!nnovat!ve techn!7ues of mana%ement !n ec!s!on ma(!n%'
M!ss!on of #+L !s not "ell ef!ne'
Thou%h #+L !s secon lar%est &an( !n /a(!stan, yet the fact rema!ns
that !t !s not mar(et leaer as N+/' Its total assets are al"ays less than
N+/ total assets'
No" as !t !s a pr!vat!*e &an( that !s "hy GO5E.NAMENT support to
#+L ecrease as !t "as !n past
O//ortuniti.s
An opportun!ty can &e ef!ne as a chan%e !n e)ternal env!ronment "h!ch !f
properly e)plo!te "!th the or%an!*at!onal stren%ths "!ll result !n enhance
sales, mar(et share, or !ncome' ,s!n% !ts stren%ths, #+L can ava!l the
follo"!n% opportun!t!es' Opportun!t!es re7u!re e)planat!on therefore I have
use hea!n%s !nstea of arro"s
E6Banking
Generally spea(!n%, three factors, 7u!c(ness, eas!ness an cheapness have
&ecome the catch"ors for the compet!t!veness an usefulness of all the
&us!ness operat!ons' /art!cularly !t !s commonplace toay to say that &an(!n%
!s uner%o!n% a ra!cal transformat!on' The symptoms are ne" proucts, ne"
players, ne" channels etc' Th!s transformat!on !s ta(!n% place across all
sectors of the &an(!n% !nustry' That !s "hy #a&!& &an( ur%ently nees to
!mprove the!r a&!l!ty, to th!n( strate%!cally a&out IT !nvestments' Only those
&an(s that use the!r technolo%y resources effect!vely have the opportun!ty to

secure real compet!t!ve avanta%e !n th!s fastHchan%!n% !nustry throu%h real
prouct or serv!ce !fferent!at!on'
Hig- 3ark u/ rat.s
Of late mar(up rates have !ncrease cons!era&ly' /resent rates are ?D
a&ove KI+O. !'e' =ID app)' #!%h mar(up rate has ecrease the !nterest of
people !n loan!n% from from &an(s' #a&!& &an( can !ncrease !ts !ncome &y
offer!n% loan at lo"er !nterest rate than other &an(s'
ONLINE BANKING
It !s o!n% &an(!n% transact!ons throu%h our home /'C' The &an(s that o
&us!ness throu%h net have We&s!tes' The customer cl!c(s !nto the We&s!te
an %ets the h!story of the &an(' Then he can eman the necessary
appl!cat!on form throu%h the net' #e f!lls !n the form an passes !t on to the
&an(' The Onl!ne &an(!n% !s fast %a!n!n% %roun !n /a(!stan' -ome soft"are
compan!es are also offer!n% net"or(H&an(!n% fac!l!t!es' -o #a&!& &an( shoul
focus heav!ly on prov!!n% onl!ne &an(!n% facult!es to !ts customers' Currently
!t !s o!n% the same'
CORPORATE BANKING TERMINAL (CBT)
Lar%e corporate customers can lo% !nto the &an(9s ata&ase an have access
to the!r accountsLtransact!ons from the!r &us!ness houses' Th!s fac!l!ty has st!ll
not &een starte for customers !n /a(!stan' -o #a&!& can focus on that'
A1TOMATIC TELLER MACHINE (ATM)
Th!s system !s (no"n as UAny T!me MoneyU &ecause !t allo"s customers "ho
have an ATM car to "!thra" money at any t!me from the &an( "!thout
!nteract!n% "!th human teller' -!nce the ATM mach!ne can &e !nstalle
any"here l!(e petrol &un(s, mar(ets, ra!l"ay stat!ons etc, an can "ell &e

l!n(e to the ma!n computer' It allo"s customers to transact "!th the &an( :?
hours a ay an <IB ays a year' They allo" the customers to transfer money
to an from accounts to v!e" account !nformat!on, to rece!ve cash' It can also
&e use to 4./osit ,-.<u.s an4 ,as- !nto the accounts' No &an( !n
/a(!stan !s offer!n% th!s serv!ce currently' -o an opportun!ty e)!sts for #a&!&
&an( to !fferent!ate'
Rat. of r.turn
The ran%e an cho!ce of proucts ava!la&le G offere &y the commerc!al
&an(s !s l!m!te' .ates of .eturn L /rof!ts on Depos!ts are so lo" an
unattract!ve that very l!m!te opt!ons are ava!la&le to the epos!tors' They o
not match the current rate of !nflat!on' #+L !fferent!ate an !ncrease !t$s
epos!t &y offer!n% attract!ve rate of return on epos!ts'
T-r.ats
Threat can &e ef!ne as a chan%e !n e)ternal env!ronment "h!ch !f not met
"!th proper strate%!es "!ll result !n loss of revenues, mar(et share, or !ncome'
In the conte)t of #+L$s e)ternal env!ronment, the follo"!n% potent!al threats
e)!st3
Other pr!vate commerc!al &an( "!th soun prof!ta&!l!ty !s also a threat
to #+L e'%' ,+L, Alfalah, MC+ etc
The .upee Travelers Che7ue 1.TC2 sales volumes may &e affecte on
account of re%ulatory restr!ct!on !mpose &y -+/ on !ssuance of lar%e
value enom!nat!ons'
Cor the last of : to < years, /a(!stan !s fac!n% econom!c an pol!t!cal
!nsta&!l!ty "h!ch !s a &!% threat'
Core!%n &an(s are flour!sh!n% !n f!el of consumer f!nanc!n%'

Af%han "ar an Ira7 "ar has a eep effect on the economy of
/a(!stan, "h!ch has affecte #+L'
Increase re%ulat!ons from -tate +an( of /a(!stan may affect !ts
&us!ness'
R.,o33.n4ations
As "e seen from the prev!ous analys!s of the f!nanc!al statements I have
real!*e that that #a&!& +an( !s perform!n% very "ell s!nce !ts !ncept!on' It !s
7u!te !ff!cult to %!ve su%%est!on to !mprove the &an(!n% con!t!ons #a&!& +an(
L!m!te' As "e (no" that noth!n% !s perfect, there !s al"ays a room for
!mprovement, so I "!ll recommen follo"!n% su%%est!ons for #+L3
Employees Tra!n!n% pro%rammes must &e !ntrouce on cont!nuous
&as!s so that Employees have unerstan!n% "!th the latest
evelopments espec!ally "!th the customers'
+an( shoul !ntrouce !ncent!ve plans for employees on re%ular &as!s
so that !f employees may "or( "hole heartely for the "elfare of the!r
or%an!*at!on' Wh!le %!v!n% !ncent!ves 7ual!f!cat!on, "or(, e)per!ence,
har "or( an such other factors must &e cons!ere'
M!smana%ement of resources must &e avo!e as much as poss!&le as
!t ecreases prof!t &ut also !scoura%e har "or(er an honest
employees'
Cresh %rauates must &e recru!te' As the com&!nat!on of E)per!ence
an fresh can prouce &etter results an !t "!ll !mprove the eff!c!ency of
mana%ement'

#a&!& +an( !s %o!n% to"ars mo&!le &an(!n% &ut the pro&lem !s that a
common cl!ent has no !ea of !ts usa%e ue to lac( of mar(et!n%' I
th!n( that a proper mar(et!n% pro%ramme must &e launche for cl!ent$s
a"areness'
+an(s !fferent schemes must &e conveye to the tar%ete customers
so that to have a reasona&le share !n mar(et'
+an( shoul help the soc!ety &y prov!!n% !nterest free loans to the
Talente -tuents'
Onl!ne +an(!n% shoul &e !ntrouce !n all the &ranches'
To mot!vate the employees the!r remunerat!on L salar!es shoul &e
mae at par "!th top t!er +an(s'
A%%ress!ve pu&l!c!ty campa!%n must &e !ntrouce throu%h press an
Electron!c me!a for ne" proucts an scheme &y !n!t!at!n% v!%orous
mar(et!n% pol!cy'
+an( shoul aopt such an !nuct!on plan that "hen a customer opens
h!s account "!th the &an( he shoul &e suppl!e "!th a &oo(let "h!ch
ena&les h!m to (no" the proceure of f!l!n% the che7ues, payH!nHsl!p
etc' It "!ll save a lot of t!me of the &an( staff after"ar ur!n% the
conuct of the account of that customer'
The att!tue of the &an(ers "!th all of the!r customers !s not the sameE
they pay more attent!on an %oo serv!ce to some of the customers
an ne%lect a ma8or port!on of them' -ome of the customers approach
to the &an( off!c!als an %et the!r "or( one &efore othersE !t !s not a
%oo pract!ce' All the customers shoul &e treate e7ually'
#+L shoul !ncrease !ts commun!cat!on "!th customers a&out the
terms an con!t!ons of !ts !fferent proucts an serv!ces'

Glossar
A1P; IBMS N5&P AGRIC1LT1RAL 1NI@ERSIT0
PESHA5AR
'%'; '.3an4 'raft
ADC; a,,ount
O%B; Ot-.r Bank
O%B%C Out:ar4 Bills Coll.,tion
P%L%S; Profit an4 Loss A,,ount
'r; 4.bit
Cr; Cr.4it
C%A; Curr.nt A,,ount
&%L; &l.?i loan
L%G; L.tt.r of Guarant..
'%&; '.3an4 &inan,.
L%C; L.tt.r of Cr.4it

R%&; Running &inan,.
&%A%P%C; &inan,. against Pa,king Cr.4it
HBL Habib Bank Li3it.4
ABL Alli.4 Bank Li3it.4
MCB Musli3 Co33.r,ial Bank
NBP National Bank Li3it.4
1BL 1nit.4 Bank Li3it.4
NI&T National Institutional &a,ilitation
T.,-nologi.s (/vt) LT'%
Bibliogra/-
Mater!al on these &oo(s, art!cles an "e&s!tes has helpe me a lot !n
preparat!on th!s report
Books
#+L Corporate /rof!le :;;>
#+L Annual .eports :;;@ an :;;> f!rst Vuarter
Arti,l.s F 'o,u3.nts
+ANKING -ECTO. .ECO.M- IN /AKI-TAN3
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