Good morning!

Habib bank limited.

Traditional V/S online banking

Presented to: Sir Sajjad Akbar

Presented by: Sidra, Sadaf, Anhum,
Rabia & Mehwish.
Preview.

• Bank
• Historical development of
banking.
• Overview of the organization.
• Our project and its objective.
• Traditional V/S online banking
systems.
• Pros and cons of online banking.
• Pros and cons of traditional
banking.
• Role of HBL in Pakistan.
• Conclusion.
Bank.

• The word “Bank” is of a European origin and is derived from the

Italian word “BANCO”, which means a table or a counter.
• In the opinion of the eminent scholars of banking, the reason why
this word was given to the banking business was the prevailing
traditions of Lombardian money changers.
Historical development of banking.

• Cultures of Sumerians and Babylonians.

• The Greeks period.
• 4th Century B.C.
• The Romans, when appeared on the horizon of a new civilization
• The fall of Roman Empire till the dawn of Islam
 Overview of the organization.

• Introduction to HBL
• Brief history
• Vision.
• Mission.
• Objectives.
• Brief history.
Introduction to HBL.

• It is the prime Bank in country established in 1941 having a registered

head office in Karachi.
• It was nationalized in 1974,
• 26th February 2004 it has been privatized by Government of Pakistan
• It was take over by Aga Khan Fund for Economic Development
(AKFED). They acquired 51 percent of shares of HBL.
• It is one of the largest Banks of Pakistan with 1439 branches and
having total assets of Rs. 434,931,930,000.
 Vision.
To be recognized as the leading financial institution of Pakistan and a dynamic
international bank in the emerging markets, providing our customers with a
premium set of innovative products and services, and granting superior value to
our stakeholders –shareholders, customers and employees
 Mission.
To be recognized as the leading financial institution of Pakistan and a dynamic
international bank in the emerging markets, providing our customers with a premium
set of innovative products and services, and granting superior value to our stakeholders
– shareholders, customers and employees.
“To make our customers prosper, our staff excel and create value for shareholders.
Objectives.

• To earn profit for the Bank itself and for its shareholders.
• To promote and boost up business sector inside the country.
• To provide employment opportunities to people.
• To help in development and industrialization of the country.
• To provide loan and advances to help out in self employment scheme.
 Our project and its objective

The objective of this presentation is to let all of us aware

about the changes that have been adapted by the Banking
sector of Pakistan, after the introduction of e-banking
system.
So we will be discussing mainly the difference between the
Traditional and Online Banking system of HBL.
Traditional and online banking
functions.
Traditional banking functions.

• Secured heaven for money

• Bank deposits
• Bank accounts
• Current accounts
• Checking accounts
• Saving and profit and loss
accounts
• Time/fixed account
• Loans and advances
• Demand drafts
• Telegraphic transfer
Online banking functions.
• Customer relationship management
• Loans and advances
• Online account information
• Online payments of bills
• Plastic currency and ATM
• Online bank accounts
• Online transactions
• Online transfer
• Identify the theft and other threats
• Online V/S traditional investment
• Cash management
• Certificate of deposit
• Innovative products offered
• Changes introduced in banking system
• HBL online (online banking)
• internet banking
• e-banking system in Pakistan
Advantages & Disadvantages of online
banking.
 Advantages of online banking.

•Time saving
• makes life easier
•Eliminates paper wastage
•Efficiency
•Online checking of financial statements
•Saves money.
•Email alerts
•Accessibility
•Customer convenience
•Compatibility with money management
•Sophisticated tools
Disadvantages of online banking.

• Online banking has many

benefits but there are also some
disadvantages.
• Internet Fraud
• Delays
• Hidden Fees
Advantages & Disadvantages of
traditional banking.
Advantages of Traditional Banking

• You can interact with a bank

manager, teller or special
accounts representative.
• Walk-up depositories located
outside the bank .
• Security of knowing your
deposit.
• Increased security .
Disadvantages of traditional banking

• Time constraint
• Inaccuracy
• Manual work
• Expensive
• Customer inconvenience
Role of HBL in Pakistan.
• HBL was the first commercial bank to be established in Pakistan in 1947.
• over the years HBL has grown its branch network and became the largest private
sector .
• With a presence in 40 countries , subsidiaries in Hong Kong and UK affiliates in
Nepal, Nigeria, Kenya, Kyrgyzstan and representative offices in Iran and
China .HBL is also the largest domestic multinational.
• The bank is expanding its presence in principal international markets including
UK, UAE, South and Central Asia ,Africa and the Far East.
• Key areas of operations encompass product offerings and services in retail
banking .HBL has the largest corporate banking portfolio in Pakistan with an
active investment banking arm.
• SME and agriculture lending programs and banking services are offered in rural
and urban areas .In UK n GCC , HBL focuses on trade finance and remittances in
south Asian Diaspora in addition to basic banking facilities .
• HBL has always been a bank and a brand for the masses, with a history that is
inextricably linked with the history of Pakistan itself .
• As it continuous to grow both locally n abroad .It strives to embody its brand
personality; honest ,approachable and inclusive.
• HBL is currently rated AA+ (long term) and A1+ short term by JCR-VIS.
• Doing business online allows these bank to cut the costs of having
local branches, and tellers, allowing it to offer greater rates of return
on our initial investments.
• If it kept on modifying its rules, regulations, policies, environment and
systems in accordance with the fast changing business world, then its
future will be very bright.
 CONCLUSION…Which one is better?

• Online Banking vs. Traditional Banking: It's Up to You!

In the end, the type of banking you prefer is really just that, personal
preference. Some people just want to continue to interact with the tellers
they know at their neighborhood bank. Or, they like the security of
actually seeing where their checks are deposited or the feeling of cash in
their hands.
If, on the other hand, time is a precious commodity, you're a multi-
tasked or you just like the convenience and control of doing your
banking over the Internet, then online banking is right for you.
Any questions