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Bank AL Habib SWOT & PEST Analysis

Bank AL Habib Limited is a commercial bank founded in 1991 and headquartered in Multan and Karachi, Pakistan. It has 650 branches across Pakistan and offshore branches in Bahrain, Turkey, and EPZ. The bank is a subsidiary of Habib Bank Limited and has over 9,415 employees. It offers various banking products and services including loans, credit cards, savings accounts, and consumer banking. A SWOT analysis identified the bank's strengths as its diversified IT operations and strong support systems, and weaknesses as less penetration in urban areas and inadequate advertising. Opportunities include expanding small business banking and installing more ATMs. Threats include economic instability and high competition. A PEST analysis examined political,

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Aðnan Yasin
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95 views4 pages

Bank AL Habib SWOT & PEST Analysis

Bank AL Habib Limited is a commercial bank founded in 1991 and headquartered in Multan and Karachi, Pakistan. It has 650 branches across Pakistan and offshore branches in Bahrain, Turkey, and EPZ. The bank is a subsidiary of Habib Bank Limited and has over 9,415 employees. It offers various banking products and services including loans, credit cards, savings accounts, and consumer banking. A SWOT analysis identified the bank's strengths as its diversified IT operations and strong support systems, and weaknesses as less penetration in urban areas and inadequate advertising. Opportunities include expanding small business banking and installing more ATMs. Threats include economic instability and high competition. A PEST analysis examined political,

Uploaded by

Aðnan Yasin
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© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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Bank AL Habib Limited

• Founders: Dawood Habib family group of companies.

• Founded: 1991

• Head Offices: Multan & Karachi.

• Total Branches:650 (Includes sub branches).

• Off shore Branches : Bahrain,Turkey & EPZ.

• Parent Bank: HBL.

• Number of Employees : 9,415.

• Products: Loans, credit cards, Savings, Consumer Banking etc.

SWOT Analysis of BAHL

Strengths:

• Divers IT field operations with 650 branches.

• Strong IT support with “best fit” approach.

• Schemes for small and medium scale businesses.

• One of the largest-scaled commercial banking system.

Weaknesses:

• Less penetration in the urban areas.


• Inadequate advertising and branding as compared to other banks.
• Legal issues regarding employees caused a bad name of BAHL.
Opportunities:

• Small scale business banking across Pakistan.


• Expansion in other countries for international banking.
• Installation of more ATM’s and better customers services.

Threats:

• Economic crisis and economic fluctuations.


• Highly competitive environment.
• Stringent Banking Norms by the NBP and the Govt.

PEST Analysis of BAHL

Political factors:

Government laws affect the state of the banking sector. The government can intervene in the matters ofbanking when ever,
leaving the industry susceptible to political influence. This includes corruption amongst political parties, or specific
legislative laws such as labor laws, trade restrictions, tariffs and political stability.

Environment factors:

He banking industry and the economy aretied. How income flows, whether the economy is prosperingor barely
surviving during times of recession affects how much capital bank scan access. Spending habits, and the reasons behind
them, affect when customers borrowor spend funds at banks. Exchange rates also affect banks globally—stable
currencies such as the US dollar impact other currencies, spending habits, and inflation rates in other countries.

Social factors:

People turn to banks for advice and assistance for loans related to business, home, and academics. Consumers
seek knowledge from bank tellers regarding saving accounts, bank related credit cards, investments, and more.
Consumers desire a seamless banking experience. And technology is developing to allow consumers to buy
products easier, withoutrequiringassistance directly from banks.
Technological factors:

Debit cards are also changing. Chips have been implemented, requiring users to insert their card intodebit machines
rather than swiping them. Other countries, such as Canada, have implemented a “tap” option — tapping the debit card
onto the device, requiring no pin, for a transaction to complete. These changes make it easier on the user to make
purchases without required intrusion from banks.

Reference or Links : https:/ en.m.wikipedia.org/wiki/Bank_Al_Habib

SWOT Analysis is performed through proper discussion with Higher Management of BAHL.

https:/ pestleanalysis.com/pestle-analysis-for-banking-industry

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