Arslan Arif

Internship Report
University of Lahore, Gujrat Campus
Bachelors in Business Administration
Semester 7
70057607

Duration: July 04, 2019 to August 22, 2019

1
 Acknowledgement

“IN THE NAME OF ALLAH THE MOST BENEFICIENT AND MERCIFUL.”

“First of all I would like to thank Allah who gave me strength, patience and capability to
complete this report. I am thankful to my family for their support and motivation. I would like to
express my gratitude to the branch manager and staff members of Habib Bank Limited who
helped me and gave possibility to complete my report. I am thankful to those who provide me
guidance about the working of bank and gave satisfactory answers of my questions. I am highly
indebted to Mr. Zohaib Ahmad operation manager of branch for his guidance, support and
information about bank without his help would not be able to complete my report on time.”

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 Table of Contents

Topic Pages
Title Page
1
Acknowledgement
2
Executive Summary
4
Introduction
5
Vision And Mission
6
Nature of Business
7
Product and Services
7
PEST Analysis
10
SWOT Analysis
11
Organizational Structure
13
Introduction of All Departments
14
Internee’s Work
17
Introduction of Branch
17
Detail of Supervisors
17
Weekly time tables
18
Conclusion
23
Recommendations
24
References
25
Internship letter
26

3
 Executive Summary

This report is about my internship that I have undergone at Habib Bank Limited, Bhimber Road
kotla Arab Ali khan from 4 July, 2019 to 22 August 2019. I observed practical aspects and get
good practical experience. I worked in six different departments during my internship period.
On first day of my internship I met operation manager Zohaib Ahmed who gave me a brief
introduction of working of bank and its departments. Every internee is rotated among bank
departments after one week and so was I. In this report I gave the introduction of bank and its
department its products and services. In internee’s work I portrayed my internship plan. I got
training in remittance department like any other bank; HBL is using instruments like telegraphic
transfer, mail transfer, demand draft and pay order for transferring money. I learnt the process of
issuance and payment of DD and PO, dealing with customer and maintaining their deposits,
working and responsibilities of clearing department. Accounts department maintains the budget
of branch and makes daily condition statement of branch by summarizing daily activities and
forward it to head office. Also makes correction of issues pointed out by audit department
maintains the record of vouchers and check them I did so. Credit department is responsible for
providing funded and non-funded facilities and obtaining information of client. Foreign Trade
department maintains the accounts in foreign currency and reports in dual currency. Every
internee has to face some problems while working that internees are not allowed to work on
computer systems due to secrecy reasons and most of the working is done through computer
systems now a days which confines the exposure of internee’s. After concluding report and
completing SWOT analysis I gave recommendations.

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 Introduction
The Habib Bank Ltd is a leader in Pakistan's services industry. An extensive network of over
1700 domestic branches – the largest in Pakistan and 55 international branches has enabled HBL
to provide comprehensive services that meet customer needs. This has ensured thriving client
relationships that form the backbone of the Bank's operation. Today, HBL plays a central role in
Pakistan's financial and economic development. It has come a long way from its modest
beginnings in Mumbai on August 25, 1941 when it commenced operations with a fixed capital of
25,000 rupees.

HBL has been a pioneer in providing innovative banking services. These have included the
installation of the first mainframe computer in Pakistan followed
by the first ATM and more recently, internet banking facilities in
almost 1700 domestic branches.

The Bank's towering presence in Pakistan's financial and

commercial life has remained unchanged over the decades. The
strength of its brand and image is symbolized by its prominent
Head Office building that has dominated Karachi's skyline
for35Years. Following are the values of HBL:

 Integrity
 Meritocracy
 Team Work
 Innovation

Habib Bank’s Privatization:

Habib Bank privatization is the hallmark for compliance with corporate governance practices. a
network of over 1,500 branches, and recent acquisition of Citi bank, personal loan and car
financing divisions are the milestones which HBL has achieved on account of good corporate
governance. On 13 June 2002, Pakistan's Privatization Commission announced that the
Government of Pakistan would grant the Aga Khan Fund for Economic Development(AKFED),

5
a subsidiary of the Aga Khan Development Network, majority ownership of HBL against an
AKFED's investment in the bank.

Vision

“Enabling people to advance confidence and success”

Mission

“To make our Investor(s) prosper, our staff excel and to create value for our stakeholders.”

Values

“Our values are based upon the fundamental principles that define our culture and are brought to
life in our attitude and behavior. It is our values that make us unique and stem from five basic
principles.”

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 Nature of business

Principle activities of bank are to facilitate its customer by providing depository, lending and
related financial services. These financial services are internet banking, credit cards, debit cards,
corporate retail and commercial banking, credit risk management agriculture banking and
customer services. HBL is providing corporate, retail and commercial banking products and
services primarily in Pakistan. Bank strives to meet the expectations and requirements of
corporate clients by providing the customized and relationship based banking approach. Bank
provides services in the area of mergers, acquisition, privatization and underwriting. In retail
banking products provide services to small borrowers it includes, personal finance loan schemes,
automobile loans, credit card facility, internet banking, traveler’s cheques, debit card, Mortgage
finance home loan, business finance, and finance facility for consumer, agriculture finance
program. Commercial banking involves activities related to export finance, project finance,
leasing, trade finance, guarantees, lending, deposits from corporate customers and bills of
exchange, treasury and money market services, locker services. HBL also offers agriculture
banking products and services. Financing products includes livestock development finance,
tractor finance etc. and a wide range of Islamic banking products and services such as Al
Mukhtar, Al irtifa and deposit schemes.

Product or service line:

HBL is providing comprehensive range of products and services to its customers. Whether you
are looking for lockers for your valuables, high returns on deposits, provides liquidity for your
business needs, financing for purchasing a car, financing for purchasing a house, loans to meet
your emergency cash needs HBL would be the right choice.

Branch Banking:

Following are the products provided by Habib bank to their customer at branch level.

Current Accounts:

 HBL Freedom Account

 HBL Business Value Account
 Current Account

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  Basic Banking Account

Savings Accounts:

 HBL Value Account

 PLS-Saving Account
 Daily Munafa Account

Term Accounts:

 HBL Advantage Account

 Investment Plus Deposit

Foreign Currency Accounts:

 Foreign Currency Saving Account

 High Yield Foreign Currency Fixed Deposit

Consumer banking:

There are two types of consumer banking that deals by HBL Consumer Banking Products and
Consumer Banking Services. The state bank of Pakistan has given boost to consumer financing
by removing restrictions imposed on national commercial banks. In Consumer Banking
Division’s products mainly comprise auto finance, personal finance, mortgage finance, smart
cash, HBL Credit Cards (Master Card), Corporate Credit Cards and Zarai Credit Cards. In
consumer Banking Services bank facilitate its customers by providing Internet Banking service,
Electronic Bill payment service, Cash Management Service, Investment Certificates, Call Center
and ATM.

Agriculture Finance service:

Pakistan is having diverse geographical and climate conditions country has great potential for
agricultural growth and development. Role of agriculture in our economy is pivotal in nature.
Agriculture finance service launch for farmers to improve their life style. Bank has launched
both crop and non-crop products and offers flexible payment options. HBL Rural banking offers
following products and services.

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  Running Finance Farm Production

 Dairy and Livestock Finance

 Poultry Finance

 Fisheries Finance

 Tractor Finance

Islamic banking service:

In order to meet customer’s demand of Shariah compliant banking. HBL is offering Islamic
banking by providing services of Islamic corporate baking, Islamic investment banking, Islamic
trade finance, Islamic general banking and Islamic consumer banking. Following are the product
and service that offer by HBL Murabaha, HBL Istisna, and HBL Salam HBL Ijarah etc.

Corporate & investment banking Service:

Corporate banking includes providing corporate and investment banking activities. Corporate &
investment banking service are specially designed for business requirement of region clients and
try to meet their expectation through providing customized and to create personal relational base
service business sector of different region of Pakistan. HBL has the largest Corporate Banking
portfolio in Pakistan coupled with the most active and largest Investment Bank in Pakistan.
There Corporate & Investment Banking Group is a leading provider of financial services to top-
tier multi-national and local clients across the country, serving the financial needs of the nation's
preeminent corporations and financial institutions through a diversified portfolio.

Corporate banking's relationship bankers partner with product specialists to provide a full array
of corporate banking solutions, from cash management, foreign exchange, trade finance,
custody, clearing and loans, to capital markets, derivatives, and structured products. They also
partner with our investment banking arm to deliver investment banking capabilities to our
relationship clients.

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 PEST Analysis

Political and Legal Analysis:

HBL is operating in Pakistan which is one of the world’s most volatile political environments.
War against terror is going on and there is very weak Government. Political forces have an
imperative impact on HBL’s business through consumers and businesses which are directly
affected by political instability. There are also some other global challenges such as climate
changes e.g. floods, earthquake, poverty, scarcity of resources, change of law, change in
government regulations and demographic shifting.

Economic Analysis:

Pakistani banking sector remains relatively downbeat despite the potentially vast consumer
market in the country. However, we should not expect rapid sector development. Recent floods
have put a lot of pressure on the economy of Pakistan. Government regulations affect the
working and profits of bank. Following economic factors have severe effects on HBL’s
prosperity Interest rate, inflation, taxation, disposable income, unemployment and exchange
rates.

Social Analysis:

Currently the usage of credit card is limited to middle class only there has been a marked
increase in the use of credit cards in Pakistan. At the same time spread of internet in the country
people are more inclined to use the net to do banking transactions specially bill payments. Since
HBL has the reputation of being a conservative bank consumers are quite loyal and will stay
with the bank. Factors such as population shifts, education, living standards, housing trends,
occupation and earning capacity have major effects on the business activities of HBL.

Technological Analysis:

The technology makes possible to empower the banking system and establish a competitive
advantage. Pioneering the new ideas, adding skills and operational excellence leads to a
successful working organization. Recently HBL has been investing heavily in Information

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technology as bank is having wider ATM network in Pakistan and also providing the facility of
online banking.

Contribution of organization toward Economic Development:

Pakistan is a developing country and its financial system consists on several financial institutes.
In economic development commercial banks are playing vital role. In trade development not
only domestic but foreign as well bank is providing the facility of transfer of money from one
place to another place safely and quickly. You need just one click to transfer money from one
place to another from one account to another account whether they are in same bank or not. HBL
is providing agricultural finance as agriculture is the most important sector for the development
of Pakistani economy. Bank is also helping to increase the capital formation in country. Bank is
providing loan facility to its customers working in all sectors of the economy to make them more
develop than before. Besides financial advices HBL is giving financial advices to its corporate
customers to promote their business. Bankers are trained to provide such advices to their
customers. HBL is persuading people to invest their extra money to get handsome percentage of
profit. In this way bank gets money at a specific rate and invest in more profitable securities. By
strengthening the capital structure of economy HBL is playing an important role to increase
production capabilities. Sound banking system promotes the economic status. By providing these
entire things HBL ultimately leads to economic prosperity.

SWOT Analysis

Strengths:

 HBL is a well-established bank enjoying long history.

 HBL was the first privatized bank that gives it an edge over other nationalized banks as it
can develop any strategy consistent with the demand of market and free from any
political or bureaucratic influence.
 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.
 HBL is the market leader in introduction of e-banking and it has the largest ATM
network in the country.
 The Bank’s Rupee Traveler Cheques have been market leaders for the past six years.
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  HBL has forged strategic alliances with international banks for expanding its network
further, both locally and internationally.
 HBL has been very effective in controlling costs as it successfully restructured itself after
its privatization. During this process more than 1,600 employees were relieved under a
golden handshake scheme and110 branches were closed.

Weaknesses:

 Mission of HBL is not well distinct.

 Though HBL is second largest bank in Pakistan, yet the fact remains that it is not market
leader as NBP. Its total assets are always less than NBP total assets.
 Now as it is a privatize bank that is why GOVERNAMENT support to HBL decreased
as it was in past.
 Employees at branch level are not properly motivated to work. Job rotation is not found
in this organization.

Opportunities:

 H.B.L. is oldest bank in the country people do rely on this bank with some additional
efforts bank can attract high deposit from Pakistan and overseas.
 Instead of emphasizing on big & long term projects bank should concentrate on small
scale investments heaving small maturity period.
 Now-a-days H.B.L. has been investing almost 18% of its total investment on cotton
business, along with investment in cotton it should invest in other cash crops, i.e. Rice,
Sugar Cane, Tobacco, Wheat etc. and their related agro based industry.

Threats:

 First threat that bank has to face is the Privatization, downsizing & restructuring these
changes could make drastic effects as well.
 New incoming local & specially foreign banks those are main cause of stiff competition
in the market
 DFI’s are going very well in financial set up of Pakistan. So, these are also effecting on
the operations of bank. Along with other threats the threat of corruption has vital
importance

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 ORGANIZATIONAL STRUCTURE OF HABIB BANK LIMITED

PRESIDENT AND CEO

7 MEMBERS OF BOARD OF DIRECTORS

G.E, IOBGG.E, CPODG.E, CPCSG.E, RBGG.E, CIBGG.E, ARMG.E, AGAHEAD OF IT

HEAD OF HRHEAD OF FINANCE

SENIOR VICE PRESIDENTS

VICE PRESIDENTS

ASSISTANT VICE PRESIDENTS

GRADE I OFFICERS

GRADE II OFFICERS

GRADE III OFFICERS

CLERICAL STAF &NON-CLERICAL STAFF

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 Introduction of all Departments
HBL is a complete banking system. HBL banking system is a collection of interrelated
departments that works together it is right to say that HBL is a hierarchical system. Following
departments are working in HBL branches:

 General Banking Department

 Accounts Department
 Credit Department
 Foreign Exchange Department
 Cash Department

General Banking Department:

General banking department involves Deposits, cash, clearing and remittance department.

Account opening Department:

Banker customer relationship starts from opening an account when a person opens an account
with a bank the banker customer relationship is established. This Department is intended to help
customers to open an account and to guide customers about different types of accounts being
offered by the bank and help them to choose a suitable account to open. From filling form till
receiving an account number and receiving check book or ATM card is the responsibility of this
department to facilitate customers in all manners. It is advisable that a banker should not open
new accounts of unknown person unless banker obtains as much information as possible about
the character and integrity of the person his name, address and the person. Customer is a source
of fresh deposits therefore is welcomed by the banker. References are demanded for the
following reasons:

 Precaution to avoid fraud

 Safeguard against unintentional overdraft
 Inquiries about customer
 Proof of reasonable care and enquiry

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No bank can run its operations without deposits. Channelizing funds from the savers to ultimate
users is the main function of commercial bank. Bank borrows in form of deposits the borrowed
capital of a bank is greater than their own capital. Deposit creation is done by opening an
account in bank. Two broad categories of deposits are Demand Deposits and time deposits.
There are different categories of deposits current deposit, value plus current deposit, call deposit,
sundry deposit or margin account, PLs saving account, HBL special deposit account, value plus.

Clearing Department:

Clearing department is concerned with a system by which banks exchange cheques and other
negotiable instrument drawn on each other within a specific area and secure payment for their
clients through the clearing house at specified time. Cleaning department does not involve any
cash so there are no chances of robbery. In this department entire transaction take place through
book of entry. Number of transactions in this department can be unlimited. It provides an extra
service to the customers without any extra service charges or cost. Clearing have two types
inward clearing and outward clearing. In house balance book the amounts which or to be
received and paid to representative banks through their accounts at state bank of Pakistan and
number of cheques received and delivered by each bank is written down.

Remittance Department:

This department provides services to the customers of the bank. Transfer funds are main function
of this department. Instruments handled by this department are demand draft, telegraphic
transfer, mail transfer, pay order, pay slip. Remittance can be made through mail transfer,
electronic transfer and instrument transfer.

Accounts Department:

Accounts department is a department which deals with all the activities of all the departments of
bank. Daily transactions are recorded on computer its function is to get summary of all credit and
debit transactions and vouchers for record purposes. It deals and checks all the working of bank
such as checking bank’s daily activity, preparation of statements, and calculation of depreciation,
reconciliation and salaries payment. All vouchers are scrutinized at the end of day and computer
prints are received. Next day activity is separated vouchers are sorted out head wise and matched

15
with entries in subsidiary ledger and immediately deal with abnormalities if any. Also maintains
books of accounts of head office and arrangement of stationary for bank. Do pre audit checking
also deals with external audit reports and state bank of Pakistan instructions.

Cash Department:

Physical movement of cash in bank is made through cash department. Cash department performs
the functions of receipts which include cash deposit by customers, payments against cheques, act
according to standing instructions, transfer funds from one account to another, verifications of
signature, posting, ATM handling and handling of prize bonds. All banks are required to follow
the instructions of state bank of Pakistan regarding cash management such as branches are
required to prepare on daily basis a statement of closing cash balances. Branches are required to
maintain minimum surplus cash balance on daily basis. Special teams of state bank will pay
surprise visit to the branches to examine the quality of currency being issued by the banks.

Credit Department:

Extension of advances to individual and companies is the basic function of credit department.
Lending is the source of asset creation but it involves risks of losses. For extending advances
credit department carefully checks all the required documents and necessary securities. There are
two types of advances funded advances and non-funded advances.

Types of credit can be classified as

 Commercial Credit
 Products credit
 Consumer Credit
 Investment credit
 Bank Credit
 Public and Private Credit

Foreign Trade Department:

Foreign trade refers to denote either foreign currency or the rate at which foreign currency is
converted into another currency. Foreign exchange is concerned with the international

16
indebtedness. Foreign trade department deals in foreign account, imports and exports. Foreign
currency account mainly deals with individual, personal and companies account. This account
provides facilities to make remittance procedure flexible inward, outward remittance and
travelling quota. Export mainly deals in Negotiation of documents, Sending the documents for
collection, Pre-shipment, Post-shipment financing, Remittance against agent commission,
Forward covered booking, Handling the documents for negotiation, Handling the documents for
collection, E form. This section helps the exporters to settle the financial affairs

Internee’s Work

Brief Introduction of Branch:

I did my internship at Habib bank limited Kotla and it is located at Bhimber road, kotla Arab Ali
Khan. It is not the main branch having 15 employees working in it out of which only there are
women and remaining are men. Branch is well managed, well-furnished and has an attractive
building. I preferred to do internship at HBL because it is a well reputed organization and I
wanted to learn from an organization which would be productive for organization and me as
well. When I joined I had no practical experience regarding the working of a bank. I worked for
six weeks and learned a lot in this span of time. The branch is on the way to progress.

Starting and Ending Date of Internship:

My internship period at HBL was from 4 July 2019 to 22 August 2019. During six weeks period
of my internship I focused on my work and strived to learn as much as possible.

Detail of Supervisors:

 Mr. Zohaib Ahmed is working as Operation Manager.

 Mr. Gulzar Ahmed working as accounts opening officer.
 Mr. Sajjad Hussain is working as in charge of Remittance.
 Mr. Muhammad Asif is working as in charge of clearing Department.
 Mr. Yasir Shah is working as in charge of Foreign Trade department.
 Mr. Basharat Ali is working as Relationship Manager.
 Mr. Wazir Hassan Butt is working as Credit Manager.

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 Weekly time table
Week 1

Remittance Department

4 July 2019 to 10 July 2019

Supervisor: Mr. Sajjad Hussain

Day Activities

I was introduced to the staff, and Mr. Zohaib Ahmed gave me the brief overview
of department and its functions. I started from remittance department information
Thursday about different categories of deposits, types of deposits with their duration,
monthly profit rates and W.H.tax to be deducted on those deposits was given to
me.

My supervisor guided me about cheques how different types of cheques are

Friday
stamped, filled and how their payment is made to customer

Guidance about how to fill the online banking slip and deposit slip and required
Monday
documents needed to attach with forms was given to me.

I learnt how to fill a demand deposit and pay order application slip procedure
Tuesday
of Issuance, Payment and necessary vouchering information were given to me.

Today’s learning was how the record of demand deposits and pay orders and
Wednesday
daily transactions is maintained into system and printed.

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 Week 2

Account Opening Department

11 July 2019 to 17 July 2019

Supervisor: Mr. Gulzar Ahmed

Day Activities

On first day I was introduced how to deal with customers and inform them about
Thursday
kinds of accounts offered by bank I also learnt about deposit authority and action.

Introduction about how to fill the account opening application form and
required documents to be attached with the application form such as signature
Friday specimen and account details form. Lecture was given to me about society and
trust accounts. I filled locker application form and made entry into locker
operating register.

My supervisor guide me how to fill the ATM application form and kinds of
ATM cards being offered and how many accounts can be maintained on one card
Monday
card charges and amount that can be withdrawn. I also learnt about partnership
and private limited company account opening requirements.

I learnt mandatory requirements for opening an account and requirements for

opening minor, public limited and partnership company accounts. I did the
manual record keeping new arrived cheque Books and ATM cards. I issued
Tuesday cheque book to new and old customers and receive requisites from new
customers of the bank and filled the account opening application and attach
signature specimen cards and other required documents and complete the record
keeping of forms by attaching some other documents.

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 Week 3

Accounts Department

18 July 2019 to 25 July 2019

Supervisor: Mr. Nadeem Ahmed

Day Activities

Information was given to me about how leaves are approved and how to fill them
Thursday
and how bank pays general sales tax and bank do internal audit.

Information was given to me about how bank approves its expenses from head
Friday
office and expenses are paid and received budget from head office

Instructions were given to me about how to check Daily GL Movement Accounts

Monday
and I did activity checking.

I was instructed how to check the Daily Customer Movement Accounts and I
Tuesday
checked them and help to record them.

I did activity checking of daily GL movement accounts and customer accounts

and write them on books and recorded them. Information about software’s being
Wednesday
used by bank and how bank reconcile the statement in case of any notification
from head office or discrepancy

Week 4

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 Clearing Department

28 July 2019 to 04 August 2019

Supervisor: Mr. Muhammad Asif

Day Activities

On first day my supervisor gave me detailed description of clearing department

Monday how it works how to maintain account with state bank role of head office and
NIFT.

I was guided about the conditions to reject a cheque or when to bounce cheque
which is presented to bank and why bank stops payment. I was guided about
Tuesday how to attach 24 reason memo or other banking slips with the cheque, how to
make entry of cheques to be returned without payment and what is the use of
different stamps.

I came to know about the contents of cheque how to deal with cutting on cheque
Same day payments postdated cheques and intercity clearing process. I was also
Wednesday told about how to attach system generated vouchers with banking instruments
and how to stamp and sign them. The use of IBC and how to deal with difference
in IBC and other banking instruments and balance the enrty.

I make an understanding of how to stamp each instrument while doing their

Thursday clearing and verify signatures and amount written on cheque. I learnt about
making entries into system

I separated vouchers from army salaries cheques, made the list of vouchers
Friday according to sequence in excel and stamped them. Checked all the stamps along
with signatures and attach their lists with them.

Week 5

Foreign Trade Department

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 5 August 2019 to 11 August 2019

Supervisor: Yasir Shah

Day Activities

A brief introduction of department and its working was given to me that what
kind of financial and commercial documents are being made and maintained
Monday
for record purposes by bank. My supervisor told me about the whole export
process.

I came to know about the E-Form and its copies and distribution of copies
among parties. I was also told about swift, NASTRO and VASTO account,
Tuesday
how collection process follows a route and use of IBAN and how IBAN is
generated from system. I learnt INCOTERMS 2000 and origin of terms.

I move towards doing some practical work I made PRC’s then attach them with
E-Form and heir relevant commercial documents then I did E-form verification
Wednesday and made their entries into E-Form certification register. I also attached exchange
rate with PRC’s for customers. I learnt the process of issuing foreign TT and DD
then I filled FTT forms for foreign remittance

On Thursday I made PRC’s of Advance Payment and partial payments and

made their record after E-Form verification. I learnt about swift message and
letter of credit. I was told about four types when letter of credit is available its
Thursday
amendment and clauses of letter of credit. I also learnt about collection payment
and presentation of documents under URC-522. I also did coding of E-Form and
filed it. I also calculated cross rate according to instructions.

I was told about different entries to be made when amount is received on behalf
of customer from remitting bank and how treasury account is maintained and
Friday what branch receives against its accounts in foreign currency and reporting is
made in dual currency. I learnt the whole process of encashment entries to be
made and debit voucher to be attached.

Week 6

Credit Department

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 16 August 2019 to 21 August 2019

Mr. Wazir Hassan Butt & Mr. Basharat Ali

Day Activities

Lecture was given to me about earning of bank that’s how banks earn and the
process of issuance of letter of credit and letter of guarantee funded and non-
Friday
funded facilities provided by bank. I was also told about mandatory requirements
for credit and 5 C’s, 3 P’s and ECIB.

I was guided that state bank of Pakistan gives rules about disbursement of
Monday finance how to fill BBFS. How to fill information form and application form of
SME for providing finance facility and what statement is to be received.

Lecture was given to me securities against letter of guarantee, running finance

Tuesday
revolving finance and some other types of finance what bank earns from it.

Conclusion:

Since inception of HBL is has maintained its growth and now it has become one of the leading
private sector banks in Pakistan. Services being provided by bank to their customers are
outstanding. HBL is the largest bank in Pakistan having such a strong internal audit system.
Bank has played an important role in the improvement of economy by providing commercial,
Islamic and agricultural banking services rate but growth rate is little bit slow due to competitors.
People or customers are most valuable asset of bank so HBL is investing more in people. Overall
performance of the bank is very well and growth is rapid. Bank has very few Islamic branches.

Recommendations:

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  During my internship at Habib bank limited I feel branch was lacking of some facilities
that must be provided.
 There was no human resource department in bank. HR department should be there to
motivate employees and to train them. While working I have noticed bank’s employees
were dissatisfied due to the promotion system. Bank should provide promotion on merit
basis to motivate its employees.
 I have found that all employees do not guide internees as they should few of them do so.
Internees must be guided properly about the working of bank and about tasks to perform.
 Work among the staff members must be divided properly and employees must stay on the
desks during working hours of the bank.
 Bank should arrange externship for employees so they may get more and new
information about the working of other banks it will provide more accurate work to HBL
it will be helpful to gain competitive advantage.
 Bank must provide high interest rates on deposits to increase its market share as other
banks are providing high interest rates than HBL.

References:

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https://www.hbl.com

https://www.ukessays.com/essays/banking/largest-bank-of-pakistan.php

https://www.coursehero.com/file/14072956/HBL-structure

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