TABLE OF CONTENTS

S.No Contents P.No

i Acknowledgment i
ii Executive Summary ii
iii Recommendations iii
Chapter –1 Introduction of Study 1
1.1 Background of Study 1
1.2 Purpose of Study 1
1.3 Scope of the Study 2
1.4 Methodology of Research 2
1.5 Evolution of Banking in Pakistan 3
1.6 Development of Banking in Pakistan 4
1.7 Brief History Of HBL 5
1.8 Role Of HBL in Banking Sector 7
1.9 Functions of the Habib Bank Limited 8
1.10 Discounting Bill of Exchange 10
1.11 Agency Services To Customer 10
1.12 General Utility Services 12
1.13 Objectives of HBL 13
1.14 Policies of HBL 14
References 19
Chapter –2 Organizational Review of Habib Bank Limited 20
2.1 Organizational Structure 20
2.2 The Board of Directors 22
2.3 Delegation of authority in the Organization 23
2.4 Functions of offices 23
 2.5 Departmentation 25
2.6 Work Done During Internship 26
2.7 Muhafiz Rupee Travelers Cheques (MRTC) 41
2.8 Value Debit Card – It’s Current, It’s Currency 43
2.9 Habib Bank flexi loans – cash when you need it 43
2.10 Habib Bank auto finance – safar zindagi ka……mazaidar 45
2.11 HBL House Finance (For A Home Of Your Own) 46
2.12 HBL Life Style 48
References 49
Chapter –3 FINANCIAL POSITION OF HBL 50
3.1 Consolidated Balance Sheet 51
3.2 Consolidated Profit And Loss Account 53
3.3 Consolidated Profit And Loss Account 55
3.4 Consolidated Cash Flow Statement 56
References 58
Chapter –4 ANALYSIS OF HBL 59
4.1 Marketing Concept In Services 59
4.2 Marketing Concepts As Adopted At HBL 60
4.3 Marketing Strategy Of HBL 62
4.4 Critical Analysis Of Marketing Strategies Of HBL 66
4.5 Analysis Of Consumer And Service Products 68
4.6 Swot Analysis 79
4.7 Financial Ratio Analysis 86
4.8 Interpretation Of Ratios 87
4.9 Financial Highlights Of Habib Bank Limited 91
4.10 Introduction To Cross Sectional Analysis 94
4.11 Cross Sectional Growth Analysis 97
References 98
Chapter –5 FINDINGS / RECOMMENDATIONS 99
5.1 Findings/Recommendations 99
Chapter –6 CONCLUSION 103
CHAPTER –7 PROPOSED MARKETING PLAN FOR CASH 105
MANAGEMENT SERVICES
7.1 Product Introduction 105
7.2 Target Market 109
7.3 Pricing Strategy 111
7.4 Cost Benefit Analysis 114
7.5 Competitors 115
7.6 Promotion 118
7.7 Conclusion 119
Persons interviewed 120
Bibliography 121
Annexure 122