Habib Bank Limited

Reasons to join HBL for General Banking

Operations

Presented By;

Syed Ali Abbas Kazmi

Tammar David
Hina Javaid
Shahzad Bashier
Syed Hassan Abbas
 Introduction
 First commercial bank to be established in
Pakistan

 Over 1,450 branches across the country

 Customer base exceeding five million

 Presence in 25 countries

 Expanding its presence in international

markets
 Key Areas
 Product offerings and services in
Retail and Consumer Banking

 Largest Corporate Banking portfolio

in the country

 SME and Agriculture lending

programs and banking services are
offered in urban and rural centers
 Bank’s Rating
 Currently rated AA (Long term)

 A-1+ (Short term)

 Balance sheet size of over USD 11

billion

 First
Pakistani bank to raise Tier II
Capital from external sources
 HBL
Vision Mission

“Enabling people to To make, Our

advance with customers prosper;
Confidence & Our staffs excel, &
Success” create value for
shareholders
 Personal Overview
 Network of branches nationwide, from
Karachi to Kashmir

 H R of HBL after privatizing is mainly

focused on staff which is confident to
serve customers till the fine line

 Special brand value that has a prestige

within

 Served the nation from the beginning

Contd. . .

 Engrained in the soil of the country

 People feel proud to be part of HBL

 Honor to be called a “Habibian”

 Banking Structure

 Front Offices

 Back Offices
 Front Offices

 Corporate Center

 Commercial Center

 Retail Banking Group Branches

 Back Offices

 Centralized Operations Processing Center,

COPC

 Regional Head Quarters, RHQ

 Treasury

 Foreign Trade, Central Processing Unit,

CPU
 Overview
 Branches, Commercial Centers and Corporate Center are
the front line offices where all the Customers are served
with the HBL services and this is the place where the HBL
actually interacts with its customers

 COPC, RHQ, Treasury and CPU are specialized department

where the core banking is conducted. Specially trained staff
with banking experience is hired for these jobs as this is the
real banking departments
 Branch Banking
 Challenging environment that encourages
creativity and commitment

 Developing and retaining the best talent in the

marketplace

 Fosters a work environment where employees

can realize their potential

 employees to achieve their professional goals

while keeping in synch with the bank’s overall
objectives
 Departments in Branch
Banking

 General Banking

 Foreign Trade

 Credit / Advances
 General Banking

This is a day to day banking system, where the

customer interaction is at large. All the banking
transaction is routed via general banking whether
they are related with trade or advances
 Foreign Trade

To facilitate business and customers who receive

remittances from foreign countries and other
foreign banking operations HBL has a foreign
trade department in every branch
 Credit & Advances

Banks can’t keep the depositors money idle in

their vaults, plus to encourage the business
facilities in the country, credit facility is given to
the customers
RBG Branches Structure

 Managers

– Senior Manager (Branch Manager)

– Operations Manager

– Manager Trade

– Manager Credit
Contd. . .
 Front Desk Officers

– Customer Services Department

 General Enquires
 Basic Customer Services

– Cash Department
 Cash Officer (Teller)
 Collection (Utility bills, Academic Fees, CMD)

– Remittances & Clearing

 Online Banking (Banking with other branches)
 Inter Bank Banking (Banking with other banks)
 Automated teller Machine

– Customer Relationship
 Account Opening and Operations
 Bank Products
For a start, a graduate like us,
we can’t get direct on
managerial posts so we have
applied for the General
Banking operations
 Customers Services
Department
The focus of banking in last 10 years has moved
to customer services.

This department is regulated by Service quality

department of Head offices with its sub offices in
RHQ

It defines the strategies for the customer needs

and demands. The main idea is customer
satisfaction.

The staff of this department is determined to give

quality service to the customers.
Contd. . .
Requirements
 Must have a impressing personality,

 Confident enough to talk to any type of customer

& Must cater customers bank related enquires

 Have basic knowledge of all the Banking products

and services

 Excellent communication & Problem Solving Skills

Contd. . .
Reasons to join the Customer Services
Department
 Use service industry to raise the standard of banking
system.

 HBL emphasis on Customer Services and to maintain

standards they have a service quality department.

 With the support of HBL and my creativity, I will raise the

standards of customer service level.

 I have the right temperament and attitude to join the HBL

as customer representative officer CRO

 I consider myself to be best suited for this job.

 Cash Department
Cash department is considered to be the
dirtiest department of retail banking

If proper management is done and care is

taken this department can be used for
many things

This is where every day customer interacts

with the bank

Cash counter can be used for cross selling

of products too
 Cash Officer
 HBL’s Cash Officers Program catapults successful
candidates to the front lines of the bank.

 The program involves an extensive one-month training

period based on branch banking operations before
placement in the branches.

 Energetic and focused graduates from HEC recognized

institutions with good communication and interpersonal
skills qualify for Cash Officers Program.

 HBL Cash department includes Teller, Utility Bills Collection,

CMD (Cash Management Division) and collection agent.
Banks earns handsome commission through CMD and
caters many corporate clients.
Contd. . .
Requirements

 Confident enough to talk to any type of customer

& Must cater customers bank related enquires

 Have basic knowledge of all the Banking products

and services

 Excellent communication & Problem Solving Skills

 Must be Graduate from HEC Recognized

University
Contd. . .
Reasons to Join Cash Department
 Pakistan has a high volume of Cash transactions

 Cash Department has weird image, which can be changed

through a change in the staff of the department.

 I feel I can better serve HBL as a Cash Officer and prove my

self profitable for the bank

 Cash Department is compulsory part of Banking in Pakistan

and to learn it I must become part of it.
Remittances & Clearing

Now banking has come into a new world, as the

business volume increases the banking needs are
changed too so the role of remittances increased.

The number of banks have also increased and

volume of online and inter bank transactions have
also increased to a high number. This department
has following sections.

– Online Banking (Banking with other branches)

– Inter Bank Banking (Banking with other banks)
– Automated teller Machine
Contd. . .
Requirements
 Must be a Masters Degree Holder

 Understanding of Online Communication and Banking

Software’s

 Confident enough to talk to any type of customer & must

cater customers bank related enquires

 Have basic knowledge of all the Banking products and

services

 Excellent communication & Problem Solving Skill

Contd. . .
Reasons to join Remittances &
Clearing

 Online Banking is the Future of Banking

 Fascinated of Fast and Dynamic Banking

 Latest Technologies & Secured / Fool Proofed

Banking

 Chances to excel and improvement & Extreme

Learning
 Customer Relationship
 We talk a lot about customer and bank but the
time when some actually becomes “Bank’s
Customer” is very crucial and sensitive.

 For this HBL has a spent a lot of attention on

training of staff and quality of staff. It is a very
prestigious yet very responsible seat of general
banking.

 This is where the relationship starts and the bank

starts serving. Proper verification and vigilance is
required. No area must be left unchecked
Contd. . .
Requirements
 Must Be Masters in Banking

 Have Knowledge about Banking Laws and

operations

 Ability to talk to different type of customers,

Corporate and Commercial

 Problem Solving and Decision making Powers

 Trustable Personality
Contd. . .
Reasons to join Customer Relationship

 I don’t feel my self just a banker but a

relationship manager.

 This will give a kick start to my carrier

towards managerial seats

 Simply, I am best suited for this job

Five Years From now. . .
 Five years from now we see ourselves
excelled towards the managerial part of
the branch system.

 The changed brought in will be reflected

when we the officers will turn into frontline
managers.

 HBL will continue to grow its structure of

business and in true meanings. . .
o make, our customers prosper, our staffs excel, & create value for shareholders