SWOT ANALYSIS

STRENGTH
H.B.L. has very effective Network of branches all over the country. Every 10th Pakistani is A/C holder of H.B.L. has made huge investment in almost all the important economic sectors of Pakistan. H.B.L. not only has made investment in industry but also in small scale industry as well. H.B.L. has efficient & less bureaucratic set up H.B.L. has introduced monthly income scheme that provides almost highest interest rate .A.T.M. Was introduced in Pak. By H. B. L. master card facilities is also available to the clients.

WEAKNESS

No consumer banking has offered by the H.B.L. to its clients like phone banking evening banking etc. Bed Debt rate is very high no special effort has been made to recover the bed amounts. No marketing set up or structure is there. Most of people do not know how they have to promote their activities.

OPPORTUNITIES

H.B.L. is oldest bank in the country people do rely on this bank with some additional efforts bank can attract high deposit from Pakistan and overseas.

Instead of emphasizing on big & long term projects bank should concentrate on small scale investments heaving small maturity period. Now-a-days H.B.L. has been investing almost 18% of its total investment on cotton business, along with investment in cotton it should invest in other cash crops, i.e. Rice, Sugar Cane, Tobacco, Wheat etc and there related agro based industry.

THREATS
First threat that bank has to face is the Privatization, down sizing & restructuring these changes could make drastic effects as well. New incoming local & specialy foreign banks those are main cause of stiff competition in the market DFIs are going very well in financial set up of Pakistan. So, these are also effecting on the operations of bank. Along with other threats the threat of corruption has vital importance.

CO NCL US I O N

Habib Bank limited was rated among first 500 banks of the world but now it is in among 1000 banks in the world, H.B.L. is not progressing due to political influence, in efficient management & corruption. If these draw backs have removed then bank will not only join its previous position rather we hope it will be rated among world top ten bank