CONCLUSION & RECOMMENDATIONS

CONCLUSION
HBL is clearly the first choice of everyone who believes in qualitative approach of
banking an environment of highly responsible people. Bank is enjoying a healthy
market share and taste of good status in terms of its operative features and
customer support. HBL is clearly the best bank operating in Pakistan. Corporate
and commercial functions are distinguished features of HBL experiencing 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 other banks, if they given proper attention to every customer then in few
years it will be the leading bank of the country (asset point of view)
RECOMMENDATIONS
 There should be authority in every region which ensures efficient flow of
communication and its understanding.
 HBL should immediately take brave steps towards the welfare of experienced
Habibians. In this regard NBP has set best example.
 The management should try to decrease job insecurity among the
employees.
 Training program should be started for internees and newly appointed
employees.
 The bank charges high service charges as compared to the other banks, so
these should be lowered down.
 Surveys must be conducted regarding customer satisfaction level and all
employees of this dept. should look forward to getting feedback whenever
possible.
 Adding of value added features that  offer competitive advantage is also a

means of avoiding customer dissatisfaction