5.

OVERVIEW OF THE ORGANIZATION History of HBL HBL established operations in Pakistan in 1947 and
moved its head office to Karachi. HBL first international branch was established in Colombo, Sri Lanka in
1951 and Habib Bank Plaza was built in 1972 to commemorate the bank’s 25th Anniversary. With a
domestic market share of over 40%, HBL was nationalized in 1974 and it continued to dominate the
commercial banking sector with a major market share in inward foreign remittances (55%) and loans to
small industries, traders and farmers. International operations were expanded to include the USA,
Singapore, Oman, Belgium, Seychelles and Maldives and the Netherlands. On December 29, 2003
Pakistan's Privatization Commission announced that the Government of Pakistan had formally granted
the Aga Khan Fund for Economic Development (AKFED) rights to 51% of the shareholding in HBL, against
an investment of PKR 22.409 billion (USD 389 million). On February 26, 2004, management control was
handed over to AKFED. The Board of Directors was reconstituted to have four AKFED nominees,
including the Chairman and the President/CEO and three Government of Pakistan nominees.

6. HBL’s Vision, Mission and Values Vision Enabling people to advance with confidence and success.
Mission To make our customers prosper, our staff excel and create value for shareholders. Values Our
values are the fundamental principles that define our culture and are brought to life in our attitude and
behavior. It is these values that make us unique and unmistakable. Excellence Integrity Customer Focus
Meritocracy Progressiveness

7. Company Profile Habib Bank Limited commonly referred to as "HBL" and head-quartered in Habib
Bank Plaza, Karachi, Pakistan, is the largest bank in Pakistan. The bank has a network of over 1450
branches in Pakistan and 55 branches worldwide. Habib Bank stands to gain from a possible deal as it
would get some of the best customers who have very good credit history, the official said. He added that
the Citibank had already cleared its portfolio of risky loans. After Pakistan was born in 1947, Habib Bank,
at the urging of Governor-General Jinnah, moved its headquarters to Karachi, Pakistan's first capital. This
gave Karachi its first commercial bank of the newly formed Pakistan. The Habib family owned and
managed the bank until the Pakistan. RETAIL NETWORK  Largest banking Network in Pakistan 1460
Branches  55 branches Abroad  Presence in 26 Countries MAJOR STAKE HOLDINGS:  Aga Khan Fund
for Economic Development (AKFED): 51% owned  Government of Pakistan: 41.5% owned  Over
170,000 shareholders FINANCIALS:  Over 5 million bank customers  Assets of over Rs. 95 billions 
Profit After Tax grown by 31% from 2010 to 2011  Total Deposits and other Account over Rs.
738 billions  It has a domestic market share of over 40%

8. SWOT ANALYSIS OF HBL Such an analysis is very important for the management in retaining the
strength, overcoming the weaknesses, capitalizing over the emerging market opportunities, and carving
ways to successfully tackle with the threats and ultimately converting them in the strengths for the
organization. Strengths:  Being the pioneer of banking in Pakistan, HBL is the oldest and is the richest
inexperience.  HBL has the potential to encounter the competitive environment in the market.  The
management of the bank believes in customer focused banking rather than the product
oriented banking. The products and services designed by the bank are specifically tailored to the
individual needs of its customers.  The products of HBL are also the strength of it. HBL has many
products for almost all type of customers. So it depends on the customer that which product he likes
and in sector he wants to invest depending on whether a person is salaried one or a businessman.  HBL
is the largest private bank in Pakistan now and people trust is very high.  It has the largest branch
network among private banks of Pakistan. Weaknesses  Lack of communication between bank and
customers about terms and condition of products and services. Like centralization of cheque book
issuing process.  Employees at branch level are not properly motivated to work by heart. They take the
all routine activities as a boring job.  Most of the employees lack managerial training as they are not
properly educated. Due to seniority, they have moved up on the hierarchy line to Grade-I, II or III
positions having hardly bachelor degrees. This type of senior staff cannot apply the modern and
innovative techniques of management indecision making.  I observed that some customers are facing
problem to physically visit the branch just to have bank statement  At many occasions HBL's ATM
network gets slow and the machines don't allow for transaction so they should renew their ATM links. 
The bank has still some of the traditional ways of operations in this advanced technological
environment.  HBL is lacking of customer feedback.  It has poor IT system.

9. Opportunities:  A large amount of foreign investment is attracted.  It has strong potential for
growth.  Islamic Banking is a growing market segment that offers attractive opportunities to potential
and existing customers  E-banking facility is also a new opportunity which is a flourishing business in
foreign countries and can also be here, if HBL takes the initiatives.  HBL differentiate and increase its
deposit by offering attractive rate of return on deposits.  Use of new advertising techniques to spread
awareness about different HBL product. Threats:  The schedules of charges indicate that the fees
charged by the bank on the various services it provides are extremely high. It may result in decrease in
the number of its existing customers.  Shortage of trained and specialized staff at lower executive and
officer levels.  Facing more competition by foreign banks in the market.  Highly attractive and advance
services by foreign banks to their customers.  Other private commercial bank with sound profitability is
also a threat to HBL e.g. Bank Al Habib, MCB etc.

10. COMPARATIVE ANAYSIS OF HBL,MCB,UBL,ABL AND FAYSAL BANK 1. Muslim Commercial Bank MCB
Bank Limited, with more than 60 years of experience as one of the leading banks in Pakistan, was
incorporated on July 9 in 1947. The bank has journeyed remarkable tenure of more than half a century
of competitively edged and well positioned heights of success by deploying quality banking, heads on
technological developments, professionally leading management and prudent and ethical work
methodologies. MCB was nationalized along with other private banks in 1974 as part of Government of
Pakistan's economic reform movement and was later privatized to Nishat Group lead consortium in
1991. MCB is reputed as one of the soundest financial institution and as one of the leading banks in
Pakistan with a deposit base of PKR. 545 bln (apprx.) and total assets of PKR 766 bln (apprx.). The bank is
versed as one of the oldest and most responsible banks in Pakistan and has played pivotal role in
representing the country on global platforms while being one of the few institutions that
are recognised and traded in the international market. MISSION AND VISSION OF MCB Vision Statement
To be the leading financial services provider, partnering with our customers for a more prosperous and
secure future. Mission Statement 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.

11. PRODUCTS OF MCB 1. BASIC BANKING ACCOUNT It’s as simple as ABC to start banking with MCB.
Look after your money the simple way, with MCB Basic Banking Account. 2. CURRENT ACCOUNT
Discover the quick, easy, and convenient way to manage and use your money within an MCB 3. SAVINGS
ACCOUNT: Start saving and discover a habit that’s worth getting into. MCB Savings Account offers you
one of the most suitable ways to manage your hard-earned money. So start saving and earning profit
today. 4. BUSINESS ACCOUNT: An upwardly mobile way to bring down costs on you your way. Access
through the accrued savings from discounted transaction fees and more. 5. SAVINGS XTRA Grow with
MCB Extra by saving more and earning greater profit. MCB Savings Xtra Account offers you a wide range
of attractive profit rates. 6. CURRENT LIFE ACCOUNT The coverage you need for the life you lead. MCB
Current Life gives you the peace of mind of comprehensive life insurance in a current account and fits
right into your lifestyle 7. FOREIGN CURRENCYACCOUNT Enjoy the confidence of operating an
international account, locally. MCB Foreign Currency Account offers you the option of earning attractive
returns on your Foreign Currency Investment. 8. SMART DOLLAR ACCOUNT MCB Smart Dollar Account is
a sensible way to maintain or grow your US Dollar deposit across USD Current, Savings or Term Deposits.
9. SAVINGS 365 GOLD MCB Savings 365 Gold Account offers you a wide range of attractive profit rates

12. 10.FLEXI DEPOSIT MAHANA PROFIT ACCOUNT With a wide range of choices and tenors, you can
open one or more term deposit accounts that best suit your current or long term needs. SERVICES OF
MCB MCB mobile ATM services SMS alerts Call centre Bill payments E-statement ABOUT UBL United
Bank Limited was incorporated in Pakistan with the registered office in Karachi, and the principal office
situated in Islamabad. UBL has assets of over Rs. 747 billion and a solid track record of over fifty years -
in addition, the bank operates 1200 branches all over Pakistan including 7 Islamic banking branches, and
1 branch in Karachi export processing zone and 17 branches outside Pakistan. The banks ordinary shares
are listed on all three stock exchanges in Pakistan and its global Depositary Receipts (GDRs) are on the
list of the UK Listing Authority and the London Stock Exchange Professional Securities Market. These
GDRs are also eligible for trading on the international Order Book System of the London Stock Exchange.
MISSION AND VISSION Vision To be a world class bank dedicated to excellence, and to surpass the
highest expectations of our customers and all other stakeholders. Mission Set the highest industry
standard for quality, across all areas of operation, on a sustained basis.

13. Optimize people, processes and technology to deliver the best possible financial solution to our
customers. Become the most sought after investment. Be recognized as the employer of choice.
SERVICES 1. UBL Address Home LoanFacility UBL Address empowers you to become the proud owner of
a home by offering a variety of product and pricing options that are flexible yet affordable. So choose
the best product option and pricing to suit your needs. 2. UBL Drive Auto Loan UBL Drive is a unique
auto financing product which offers you features, options and flexibility unmatched by any other bank,
because at UBL, You come first. 3. UBL Silah Mila UBL has designed a campaign for the first time in
Pakistan to acknowledge and reward customers who have shown excellent performance in their loan
repayments with other banks. 4. Signature Priority Banking Signature, UBL's Priority Banking service is
uniquely designed to meet the highest expectations of our high potential, high net-worth clients;
wherever they may be. Launched as an independent brand, Signature offers focused and personalized
Wealth Management Services for selected, high net-worth individuals in a completely secure and
congenial atmosphere. Being preferred customers, these clients will be given exclusive benefits, free
services and a lot of value added facilities 5. Corporate Banking UBL offers full range of services to its
Corporate Clients. These include: Funded  TFC Investment  Bridge Financing  Commercial Papers

14.  Syndicated Financing  Financing Against Liquid Securities  Securitization  Lease Financing  Short
Term, Treasury Lines  Working Capital Financing NonFunded  Letter of Credits  Letter of Guarantees 
Standby LC’s  Export Finance Facilities  Pre & Post Shipment Financing  Cash Management Services 6.
Customer Service We believe in customer retention through quality service that would encourage you to
continue to bank with us your loyalty. Our UNISERVICE concept strives to attain excellence in customer
service. We aim to provide total customer satisfaction through UNISERVICE, which will soon be available
at our full-service branches covering:  Trade finance  Letters of Guarantee  Letters of Credit  Funds
Transfer  Remittances  Bill Discounting  Export Financing  Credit Extension Product Range When you
come to UBL, you get a full range of Products and Services to choose from: CorporateFinance  Loan
Syndication  Structured Finance  Term Finance Certificates Finance/Credit Extension  Local Currency
Facilities  Overdrafts

15.  Demand Finance  Working Capital Finance  Import Financing  Receivable Discounting  Pre and
Post Export Financing  LMM Funding Trade  Documentary Letters of Credit  Standby Letters of Credit
& Guarantee  Documentary Collection  Funds Transfer Investment/Cash Management  Current & PLS
Accounts  Foreign Currency  Cash Collection  Utility Bill Collection  Capital Market Hybrid Products 
FX Spot, Forwards and Hedging  Rice/Cotton Financing for Ginners 7. Omni Branchless Banking UBL
Omni now brings a host of banking services to your nearest "Dukaan". UBL Omni Dukaans are located in
more than 650+ cities and towns across Pakistan. This is a major milestone in the evolution of banking
that will reshape the traditional banking model by offering basic banking services across urban and rural
Pakistan, well beyond the regular branch networks of banks. 8. UBL Ameen At UBL Ameen, it is our
aspiration to provide you with innovative and customized products and services based on the age
old foundations of Islamic Jurisprudence. Our aim is to create new benchmarks in service quality and
provide an array of personalized Islamic products, catering to the diverse and ever challenging demands
of our clientele.

16. Being part of one of the largest commercial Banks in the Country, it is our endeavour to become the
leading player in Islamic banking and perform an integral role in the growth and development of the
Islamic financial industry in Pakistan. May Allah instil in us the strength of character and vigour of
purpose to fulfil our newfound role and also gift us with the capacity to exceed the expectations of our
faithful patrons as their trusted and reliable “Ameen”. 9. Investment Banking At UBL, we offer our
customers a full spectrum of services  Debt Capital Markets & Syndications  Project & Structured
Finance  Equity & Advisory 10. Net Banking UBL net banking offers you a simple, convenient and secure
way to manage your bank accounts 24/7 from anywhere in the world. UBL net banking is the most
trusted Internet Banking portal in the country primarily because of its uniquely strong security features
and an attractive list of transactions and activities available. 11. Treasury &Capital Markets 12. UBL Click
N Bank Simply Revolutionary Click N Bank * eNRP Account - A simple & convenient way to open, fund
and operate account in Pakistan. Completely Online! 13. UBL Tezraftaar UBL offers the most efficient
and free remittance service to beneficiaries in Pakistan. With our large network of branches, we are
poised to offer you service almost at your door step. UBL remittance service, TezRaftaar offers all
overseas Pakistanis the fastest and the most convenient delivery of their money to their beneficiaries in
Pakistan. Best of all, TezRaftaar is completely cost free and is available at all UBL Overseas branch
network in the Middle East, UK and US. This facility is also available at UBL's correspondents (Banks/
Money Transfer Cost) in Australia, Canada, Denmark, UK, USA, UAE, Saudi Arabia, Kuwait, Bahrain,
Oman, Qatar, Malaysia and Europe as per list available at Remitter Locator. 14.
UBL Tezraftaar Pardes We introduce to you the UBL Tezraftaar Pardes Card in collaboration with
Pakistan Remittance Initiative (PRI), where the customer’s inward remittances are deposited
automatically on the remittance card as and when sent.
17. UBL Tezraftaar Pardes Card is a unique initiative to provide you relief in receiving your money
without having to go to the bank's branch. Apart from being an ATM card, the
UBL Tezraftaar Pardes card also provides you with the facility of directly spending through all VISA
accepting outlets across Pakistan. 15. UBL & Western Union PRODUCTS 1. UBL Wiz UBL Wiz is Pakistan's
first ever Prepaid VISA Debit Card that provides the convenience, security and benefits of an ATM and
Debit Card, locally and internationally. 2. UBL Mega Wallet A revitalized and colourful design beckons
you to a mega experience of power and rewards. Every time you use your card to withdraw cash or
conduct transactions, you will be rewarded with points that can be redeemed for exciting gifts. 3. UBL
Credit Card Welcome to the world of UBL Credit Cards, the most exciting and vibrant credit card brand
in Pakistan. We offer you a range of innovative and exciting cards that is powered by a security of chip 4.
Agricultural Products ProductionLoan Financing is available for Major and Minor crops across Pakistan.
Main purpose of financing is to facilitate farmers to purchase Agri Inputs such as Seeds, Fertilizers,
Pesticides, Sprayers, hired labour etc. NIACF(Revolving CreditScheme)  Loan Tenure 3 years 
Documentation once for 3 years.  Cleanup once a year  Option for the farmer to use limit as per
requirement  Mark-up is charged on amount used or withdrawn  Minimum Amount PKR 30,000

18.  Maximum Amount as per requirement of the farmer NIADF(DemandFinanceProduction)  Loan

Tenure 3 months to 1 year  18 months for Sugar cane only  Lump sum disbursement of the limit for a
specified period.  Repayment of loan in bullet payment on maturity (Principal and markup).  Minimum
Amount PKR 30,000  Maximum Amount as per requirement of
Farmer DevelopmentLoan LandDevelopment,EquipmentsandMachinery Financing for Land
Improvement, Water course improvement, Tube wells, Lift pumps, Deep turbine pumps, Cotton
pickers, Godown, Cold Storage, Harvester, Thresher, etc  Loan Tenure 1 to 5 years  Lump sum
disbursement of the limit for a specified period.  Repayment in instalments (Principal with mark-up). 
Repayment mode monthly, quarterly and half yearly  Minimum Amount PKR 30,000  Maximum
Amount as per requirement of Farmer Tractor & VehicleFinance To purchase Tractors, Delivery Vans,
Mini Trucks, Motor Cycle and other vehicles used for marketing Agri Products  Loan Tenure  1 to 3
years for Motor Cycle  1 to 7 years for Tractor  1 to 5 years for other 4 wheel vehicles  Lump sum
disbursement of the limit for a specified period.  Repayment in instalments (Principal with mark-up). 
Repayment mode monthly, quarterly and half yearly  Minimum Amount PKR 100,000  Maximum
Amount PKR 1,500,000 Nonfarm Loans LivestockFinancing Dairy Farming, Meat Farming, Fattening of
Animals, Rearing of Animals, Construction of Sheds, Milk storage tanks, acquire and establish modern
and efficient livestock facilities.  Loan Tenure 1 to 5 years

19.  Monthly / Quarterly repayment mode for Dairy Farmers  Monthly / Quarterly / Half Yearly
repayment mode for Meat Farmers  Minimum Amount PKR 50,000  Maximum Amount as per
requirement Poultry Farm structure and equipments, Hatchery farm structure and equipments, Feed
Mills, Purchase of Chicks, Feed, Medicines, Storage tanks, Cold storage, Construction of shed, etc.  Loan
Tenure 1 to 5 years  Monthly / Quarterly repayment mode for all loans  Minimum Amount PKR 50,000
 Maximum Amount as per requirement Fisheries Financing Fish seed, Fish feed, Manuring, Construction
of pond, Curing and Dying by fishermen, etc. 5. Small Loans Under the Small Business Scheme, UBL is
providing loans on easy terms to those who wish to set up their own small-scale business. This scheme is
aimed at spreading prosperity in the country by reducing unemployment. As more and more people
start their own industrial units, the country will move steadily towards economic self-reliance. 6. Deposit
Products Our deposit product portfolio offers an eclectic mix for all types of financial requirements.
Whether you are an individual interested in opening a savings account, or a businessman wanting to
maintain a foreign currency account, or a small business with a requirement of a business account for
your daily transactions, our deposit products offer you the range you require. Check out our extensive
deposit products and services and find one especially suited to your needs. 7. Other Retail Products UBL
Better Life-Bancassurance EFU UBL Better Life Bancassurance SLICO

20. ABOUT HABIB BANK LIMITED HBL was the first commercial bank to be established in Pakistan in
1947. Over the years, HBL has grown its branch network and become the largest private sector bank
with over 1,450 branches across the country and a customer base exceeding five million relationships.
The Government of Pakistan privatized HBL in 2004 through which AKFED acquired 51% of the Bank's
shareholding and management control. HBL is majority owned (51%) by the Aga Khan Fund for
Economic Development, 42.5% of the shareholding is retained by the Government of Pakistan (GOP),
whilst 7.5% is owned by the general public i.e. over 170,000shareholders following the public listing that
took place in July 2007. With a presence in 25 countries, subsidiaries in Hong Kong and the UK, affiliates
in Nepal, Nigeria, Kenya and Kyrgyzstan and rep offices in Iran and China, HBL is also the largest
domestic multinational. The Bank is expanding its presence in principal international markets including
the UK, UAE, South and Central Asia, Africa and the Far East. Key areas of operations encompass product
offerings and services in Retail and Consumer Banking. HBL has the largest Corporate Banking portfolio
in the country with an active Investment Banking arm. SME and Agriculture lending programs and
banking services are offered in urban and rural centres. VISION ´Enabling people to advance with
confidence and success”

21. Mission To make our customers prosper, our staff excel and create value for shareholders.
PRODUCTS OF HBL INDIVIDUAL CUSTOMER . 1. HBLCarLoan HBL Car Loan helps you get your preferred
car through a simple and hassle-free process, backed by superior service and support. Now you can
drive a car you always wanted.