INTRODUCTION:

HABIB METRO Bank was incorporated in Pakistan as a Public Listed Company in 1992.
HABIB METRO is a leading trade finance bank that currently operates with 490+ branches
(including 60 dedicated Islamic branches, 242 Islamic windows and 1 offshore banking unit in
Karachi Export Processing Zone) in 190+ cities across Pakistan.
The Bank serves its customers within retail, corporate, commercial and Islamic segments through a
dynamic suite of technology-led financial solutions, including round-the-clock banking facilities such
as mobile and internet banking, as well as a network of 510+ ATMs across the country.
HABIB METRO was awarded as a ‘Leading Partner Bank in Pakistan’ by the Asian Development
Bank in 2015, 2016, 2020 and 2021. The Bank also received the Upcoming Islamic Banking Window
and the Best Islamic Banking Brand awards by the Global Islamic Finance Awards (GIFA) in 2016,
2020 and 2021 respectively. The Bank also received the Best Bank (Mid-Sized) award at the CFA
Excellence Awards 2021 and 2021 Best Operations Bank in MENA by IFC.
For 21 consecutive years, the Bank has been rated AA+ (Double, A Plus) for the long term and A1+
(A one plus) for the short term by the Pakistan Credit Rating Agency Limited (PACRA).
HABIB METRO is a subsidiary of Habib Bank AG Zurich, an international banking group that
enjoys a presence in 10 countries across 4 continents.
Habib Bank AG Zurich (HBZ) is an heir to a rich tradition of commerce and banking dating back to
1841. HBZ was established in Switzerland in 1967 and completed 50 years of banking operations in
2017.
Current Vision, Mission Statement and Values:
Vision Statement:
To be the most respected financial institution based on trust, service and commitment.
Mission Statement:
"To be the Bank of choice"
Values for Habib Metro Bank:
HABIB METRO Bank has a rich history, which is infused with the corporate values that it
endorses in its employees. Our core values entail a set of fundamental and sound beliefs that
align with the way things are done at the organization on an everyday basis. These values
shape our corporate culture and are integrated into every employee and operations-related
process within the Bank. Because of the high moral, ethical, and behavioral standards
 maintained in its banking operations, Habib brand’s name is synonymous with principles and
unparalleled service.

Trust

Integrity

Responsibility
Habib Metro Bank
Values
Respect

Team Work

Commitment

Proposed Values, Vision and Mission Statement:

Values for Habib Metro Bank:
Habib Metro Bank believe relationships are more than a series of transactions. We become
partners in addressing our customers’ needs. We provide best in class service and a personal
experience to our customers in helping them to reach their financial goals. We are proud to
invest in and contribute to the communities we serve.
Explanation: It reflects our Core Values of Relationship, Integrity, Diversity, Excellence, and
Equality, Which serve as a foundation for all that we do.
Vision Statement:
“We will be the premier provider of world-class banking products with unmatched service and
a superior experience that you won't find anywhere else.”
Explanation: This vision statement emphasizes the company's commitment to be leading
bank to meet the customer requirements, as well as its focus on providing good experience
services. It also positions the company as a leader in the industry, which can help inspire
employees and build a strong brand reputation.
Mission Statement:
“We will be the preferred provider of targeted financial service in our communities based on
strong customer relationships. We will strengthen these relationships by providing the right
 solutions that combine our technology, experience, and financial strength. Our goal is to
create customer loyalty, shareholder value, and employee satisfaction.”
Explanation: This mission statement emphasizes the company's commitment to making
financial needs of customers to meet. The company's focus on creating value and
relation by providing them solutions. Also looking for all stakeholders (including
customers, employees, shareholders, and the broader community) highlights its
commitment to responsible and sustainable business practices.
Awards and Achievement:
Habib Metro Bank have won several Awards. Few are as follows:
 Best Operations Bank In MENA 2021: By International Finance Corporation
 US Dollar Clearing Elite Quality Award 2021: By JP Morgan
 Best Mid-Sized Bank: By CFA Pakistan Awards 2021
 Best Islamic Banking Window For Global Expansion: By Global Islamic Finance
Awards 2021
 Leading Partner Bank In Pakistan 2021: By Asian Development Bank
 Best Commercial Bank & Financial Service Provider In Pakistan: 15th Consumers
Choice Awards 2021
PORTER’S FIVE FORCES ANALYSIS:
1. Threat of New Entrants:
 The economies of scale is fairly difficult to achieve in the industry in which Habib Metro
Bank operates. This makes it easier for those producing large capacitates to have a cost
advantage. It also makes production costlier for new entrants. This makes the threats of
new entrants a weaker force.
 The product differentiation is strong within the industry, where firms in the industry sell
differentiated products rather a standardized product. Customers also look for
differentiated products. There is a strong emphasis on advertising and customer services as
well. All of these factors make the threat of new entrants a weak force within this industry.
 The capital requirements within the industry are high, therefore, making it difficult for
new entrants to set up businesses as high expenditures need to be incurred. Capital
expenditure is also high because of high Research and Development costs. All of these
factors make the threat of new entrants a weaker force within this industry.
 The access to distribution networks is easy for new entrants, which can easily set up their
distribution channels and come into the business. With only a few retail outlets selling the
product type, it is easy for any new entrant to get its product on the shelves. All of these
factors make the threat of new entrants a strong force within this industry.
2. Threat of Substitutes:
 There are very few substitutes available for the products that are produced in the industry
in which Habib Metro Bank operates. The very few substitutes that are available are also
produced by low profit earning industries. This means that there is no ceiling on the
maximum profit that firms can earn in the industry in which Habib Metro Bank operates.
All of these factors make the threat of substitute products a weaker force within the
industry.
 The very few substitutes available are of high quality but are way more expensive.
Comparatively, firms producing within the industry in which Habib Metro Bank operates
sell at a lower price than substitutes, with adequate quality. This means that buyers are less
likely to switch to substitute products. This means that the threat of substitute products is
weak within the industry.
3. Competitive Intensity:
 The production of products within the industry requires an increase in capacity by large
increments. This makes the industry prone to disruptions in the supply-demand balance,
often leading to overproduction. Overproduction means that companies have to cut down
prices to ensure that its products sell. This makes the rivalry among existing firms a
stronger force within the industry.
 The exit barriers within the industry are particularly high due to high investment required
in capital and assets to operate. The exit barriers are also high due to government
regulations and restrictions. This makes firms within the industry reluctant to leave the
business, and these continue to produce even at low profits. This makes the rivalry among
existing firms a stronger force within the industry.
 The strategies of the firms within the industry are diverse, which means they are unique to
each other in terms of strategy. This results in them running head-on into each other
regarding strategy. This makes the rivalry among existing firms a strong force within the
industry.
4. Bargaining Power of Suppliers:
 The number of suppliers in the industry in which Habib Metro Bank operates is a lot
compared to the buyers. This means that the suppliers have less control over prices and
this makes the bargaining power of suppliers a weak force.
 The product that these suppliers provide are fairly standardized, less differentiated and
have low switching costs. This makes it easier for buyers like Habib Metro Bank to switch
suppliers. This makes the bargaining power of suppliers a weaker force.
 The suppliers do not contend with other products within this industry. This means that
there are no other substitutes for the product other than the ones that the suppliers provide.
This makes the bargaining power of suppliers a stronger force within the industry.
5. Bargaining Power of Buyers:
 The quality of the products is important to the buyers, and these buyers make frequent
purchases. This means that the buyers in the industry are less price sensitive. This makes
the bargaining power of buyers a weaker force within the industry.
 There is no significant threat to the buyers to integrate backwards. This makes the
bargaining threat of buyers a weaker force within the industry.

Porter Five Forces Strength Habib Metro Profit

Threat of New Entrants High Low
Threat of Substitute Low High
Competitive Intensity Low High
Bargaining Power of Suppliers High Low
Bargaining Power of Buyer Low High