1. HABBIB BANK LIMITED
INTERNSHIP REPORT
Avinash Advani
MBA
KASBIT

2. TABLE OF CONTENTS
1. Acknowledgement
2. Executive summary
3. Overview of the organization
4. Task assigned
5. Comparative analysis :
 HBL products and services
 MCB products and services
 ABL products and services
 UBL products and services
 FAYSAL BANK products and services
6. Recommendations
7. Conclusion
8. References
9. Questionnaire

3. ACKNOWLEDGEMENT
First of all I am thankful to “ALMIGHTY ALLAH”. Who gave me the strength,
patience, courage and enthusiasm needed to write and complete this report, then to
my friends who assisted me in this effort and we worked daylong to accomplish This
assignment and to my parents who supported me financially and encouraged me morally.
I have a debt of gratitude to all my teachers who taught me throughout my academic
career. It was pleasure for me to be sent to the HBL WTC OFFICE. I am very
thankful to the honourable internship colleague. I learnt a lot from this training
program and this would guide me a lot while selecting my career.
I also know how to face the problems and how to find out the ways for their
solutions. The preparation of this report was a massive undertaking but the highly
competent and experienced bankers of HBL WTC office and Branch provided me
with all assistance, information, advice and suggestions that I needed which
contributed importantly to this report.

4. EXECUTIVE SUMMARY
This report contains the study of Habib bank limited and competitive analysis of
products and services of different banks such as HBL, UBL, ABL, FAYSAL BANK.
This is the age of specialization; every person must be capable in his/her particular
field. Some practical experience is necessary to enter the field because only
education given in the universities is not enough to compete with the world wide
changing situation.
The field work is difficult and complicated. This is a good reason why the students of
M.B.A are being given a fair chance to get the practical area in which students have
to enter after completing education.
All the information in this report is based upon my observation, interviews and
practical involvement in different tasks during my internship at HBL wtc office and
branch.
First is introductory portion which relates to introduction of Habbib bank limited .The
is the comparative analysis of different banks its product line and services.
HBL has established more than 1500 branches in all over the country and has 1000
ATM machines and customer base exceeding FIVE million relationships.
In the last, the conclusion, final Recommendations & Suggestions are given to
overcome flaws & troubles that are being faced by HBL.

5. OVERVIEW OF THE ORGANIZATION
History of HBL
HBL established operations in Pakistan in 1947 and moved its head office to
Karachi. HBL first international branch was established in Colombo, Sri Lanka in
1951 and Habib Bank Plaza was built in 1972 to commemorate the bank’s 25th
Anniversary.
With a domestic market share of over 40%, HBL was nationalized in 1974 and it
continued to dominate the commercial banking sector with a major market share in
inward foreign remittances (55%) and loans to small industries, traders and farmers.
International operations were expanded to include the USA, Singapore, Oman,
Belgium, Seychelles and Maldives and the Netherlands.
On December 29, 2003 Pakistan's Privatization Commission announced that the
Government of Pakistan had formally granted the Aga Khan Fund for Economic
Development (AKFED) rights to 51% of the shareholding in HBL, against an
investment of PKR 22.409 billion (USD 389 million). On February 26, 2004,
management control was handed over to AKFED. The Board of Directors was
reconstituted to have four AKFED nominees, including the Chairman and the
President/CEO and three Government of Pakistan nominees.

6. HBL’s Vision, Mission and Values
Vision
Enabling people to advance with confidence and success.
Mission
To make our customers prosper, our staff excel and create value for shareholders.
Values
Our values are the fundamental principles that define our culture and are brought to
life in our attitude and behavior. It is these values that make us unique and
unmistakable.
Excellence
Integrity
Customer Focus
Meritocracy
Progressiveness

7. Company Profile
Habib Bank Limited commonly referred to as "HBL" and head-quartered in Habib
Bank Plaza, Karachi, Pakistan, is the largest bank in Pakistan. The bank has a
network of over 1450 branches in Pakistan and 55 branches worldwide. Habib Bank
stands to gain from a possible deal as it would get some of the best customers who
have very good credit history, the official said. He added that the Citibank had
already cleared its portfolio of risky loans. After Pakistan was born in 1947, Habib
Bank, at the urging of Governor-General Jinnah, moved its headquarters to Karachi,
Pakistan's first capital. This gave Karachi its first commercial bank of the newly
formed Pakistan. The Habib family owned and managed the bank until the Pakistan.
RETAIL NETWORK
 Largest banking Network in Pakistan
1460 Branches
 55 branches Abroad
 Presence in 26 Countries
MAJOR STAKE HOLDINGS:
 Aga Khan Fund for Economic Development
(AKFED): 51% owned
 Government of Pakistan: 41.5% owned
 Over 170,000 shareholders
FINANCIALS:
 Over 5 million bank customers
 Assets of over Rs. 95 billions
 Profit After Tax grown by 31% from 2010 to 2011
 Total Deposits and other Account over Rs. 738 billions
 It has a domestic market share of over 40%

8. SWOT ANALYSIS OF HBL
Such an analysis is very important for the management in retaining the strength,
overcoming the weaknesses, capitalizing over the emerging market opportunities,
and carving ways to successfully tackle with the threats and ultimately converting
them in the strengths for the organization.
Strengths:
 Being the pioneer of banking in Pakistan, HBL is the oldest and is the richest
inexperience.
 HBL has the potential to encounter the competitive environment in the market.
 The management of the bank believes in customer focused banking rather
than the product oriented banking. The products and services designed by the
bank are specifically tailored to the individual needs of its customers.
 The products of HBL are also the strength of it. HBL has many products for
almost all type of customers. So it depends on the customer that which
product he likes and in sector he wants to invest depending on whether a
person is salaried one or a businessman.
 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.
Weaknesses
 Lack of communication between bank and customers about terms and
condition of products and services. Like centralization of cheque book issuing
process.
 Employees at branch level are not properly motivated to work by heart. They
take the all routine activities as a boring job.
 Most of the employees lack managerial training as they are not properly
educated. Due to seniority, they have moved up on the hierarchy line to
Grade-I, II or III positions having hardly bachelor degrees. This type of
senior staff cannot apply the modern and innovative techniques of
management indecision making.
 I observed that some customers are facing problem to physically visit the
branch just to have bank statement
 At many occasions HBL's ATM network gets slow and the machines don't
allow for transaction so they should renew their ATM links.
 The bank has still some of the traditional ways of operations in this advanced
technological environment.
 HBL is lacking of customer feedback.
 It has poor IT system.

9. Opportunities:
 A large amount of foreign investment is attracted.
 It has strong potential for growth.
 Islamic Banking is a growing market segment that offers attractive
opportunities to potential and existing customers
 E-banking facility is also a new opportunity which is a flourishing business in
foreign countries and can also be here, if HBL takes the initiatives.
 HBL differentiate and increase its deposit by offering attractive rate of return
on deposits.
 Use of new advertising techniques to spread awareness about different HBL
product.
Threats:
 The schedules of charges indicate that the fees charged by the bank on the
various services it provides are extremely high. It may result in decrease
in the number of its existing customers.
 Shortage of trained and specialized staff at lower executive and officer levels.
 Facing more competition by foreign banks in the market.
 Highly attractive and advance services by foreign banks to their customers.
 Other private commercial bank with sound profitability is also a threat to HBL
e.g. Bank Al Habib, MCB etc.

10. COMPARATIVE ANAYSIS OF HBL,MCB,UBL,ABL AND FAYSAL BANK
1. Muslim Commercial Bank
MCB Bank Limited, with more than 60 years of experience as one of the leading
banks in Pakistan, was incorporated on July 9 in 1947. The bank has journeyed
remarkable tenure of more than half a century of competitively edged and well
positioned heights of success by deploying quality banking, heads on technological
developments, professionally leading management and prudent and ethical work
methodologies. MCB was nationalized along with other private banks in 1974 as part
of Government of Pakistan's economic reform movement and was later privatized to
Nishat Group lead consortium in 1991.
MCB is reputed as one of the soundest financial institution and as one of the leading
banks in Pakistan with a deposit base of PKR. 545 bln (apprx.) and total assets of
PKR 766 bln (apprx.). The bank is versed as one of the oldest and most responsible
banks in Pakistan and has played pivotal role in representing the country on global
platforms while being one of the few institutions that are recognised and traded in the
international market.
MISSION AND VISSION OF MCB
Vision Statement
To be the leading financial services provider, partnering with our customers for a
more prosperous and secure future.
Mission Statement
We are a team of committed professionals, providing innovative and efficient
financial solutions to create and nurture long-term relationships with our customers.
In doing so, we ensure that our shareholders can invest with confidence in us.

11. PRODUCTS OF MCB
1. BASIC BANKING ACCOUNT
It’s as simple as ABC to start banking with MCB.
Look after your money the simple way, with MCB Basic Banking Account.
2. CURRENT ACCOUNT
Discover the quick, easy, and convenient way to manage and use your money within
an MCB
3. SAVINGS ACCOUNT:
Start saving and discover a habit that’s worth getting into.
MCB Savings Account offers you one of the most suitable ways to manage your
hard-earned money. So start saving and earning profit today.
4. BUSINESS ACCOUNT:
An upwardly mobile way to bring down costs on you your way. Access through the
accrued savings from discounted transaction fees and more.
5. SAVINGS XTRA
Grow with MCB Extra by saving more and earning greater profit. MCB Savings Xtra
Account offers you a wide range of attractive profit rates.
6. CURRENT LIFE ACCOUNT
The coverage you need for the life you lead. MCB Current Life gives you the peace
of mind of comprehensive life insurance in a current account and fits right into your
lifestyle
7. FOREIGN CURRENCYACCOUNT
Enjoy the confidence of operating an international account, locally.
MCB Foreign Currency Account offers you the option of earning attractive returns on
your Foreign Currency Investment.
8. SMART DOLLAR ACCOUNT
MCB Smart Dollar Account is a sensible way to maintain or grow your US Dollar
deposit across USD Current, Savings or Term Deposits.
9. SAVINGS 365 GOLD
MCB Savings 365 Gold Account offers you a wide range of attractive profit rates

12. 10.FLEXI DEPOSIT MAHANA PROFIT ACCOUNT
With a wide range of choices and tenors, you can open one or more term deposit
accounts that best suit your current or long term needs.
SERVICES OF MCB
MCB mobile
ATM services
SMS alerts
Call centre
Bill payments
E-statement
ABOUT UBL
United Bank Limited was incorporated in Pakistan with the registered office in
Karachi, and the principal office situated in Islamabad.
UBL has assets of over Rs. 747 billion and a solid track record of over fifty years - in
addition, the bank operates 1200 branches all over Pakistan including 7 Islamic
banking branches, and 1 branch in Karachi export processing zone and 17 branches
outside Pakistan.
The banks ordinary shares are listed on all three stock exchanges in Pakistan and its
global Depositary Receipts (GDRs) are on the list of the UK Listing Authority and the
London Stock Exchange Professional Securities Market. These GDRs are also
eligible for trading on the international Order Book System of the London Stock
Exchange.
MISSION AND VISSION
Vision
To be a world class bank dedicated to excellence, and to surpass the highest
expectations of our customers and all other stakeholders.
Mission
Set the highest industry standard for quality, across all areas of operation, on a
sustained basis.

13. Optimize people, processes and technology to deliver the best possible financial
solution to our customers.
Become the most sought after investment.
Be recognized as the employer of choice.
SERVICES
1. UBL Address
Home LoanFacility
UBL Address empowers you to become the proud owner of a home by offering a
variety of product and pricing options that are flexible yet affordable. So choose the
best product option and pricing to suit your needs.
2. UBL Drive
Auto Loan
UBL Drive is a unique auto financing product which offers you features, options and
flexibility unmatched by any other bank, because at UBL, You come first.
3. UBL Silah Mila
UBL has designed a campaign for the first time in Pakistan to acknowledge and
reward customers who have shown excellent performance in their loan repayments
with other banks.
4. Signature Priority Banking
Signature, UBL's Priority Banking service is uniquely designed to meet the highest
expectations of our high potential, high net-worth clients; wherever they may be.
Launched as an independent brand, Signature offers focused and personalized
Wealth Management Services for selected, high net-worth individuals in a completely
secure and congenial atmosphere. Being preferred customers, these clients will be
given exclusive benefits, free services and a lot of value added facilities
5. Corporate Banking
UBL offers full range of services to its Corporate Clients. These include:
Funded
 TFC Investment
 Bridge Financing
 Commercial Papers

14.  Syndicated Financing
 Financing Against Liquid Securities
 Securitization
 Lease Financing
 Short Term, Treasury Lines
 Working Capital Financing
NonFunded
 Letter of Credits
 Letter of Guarantees
 Standby LC’s
 Export Finance Facilities
 Pre & Post Shipment Financing
 Cash Management Services
6. Customer Service
We believe in customer retention through quality service that would encourage you
to continue to bank with us your loyalty.
Our UNISERVICE concept strives to attain excellence in customer service. We aim
to provide total customer satisfaction through UNISERVICE, which will soon be
available at our full-service branches covering:
 Trade finance
 Letters of Guarantee
 Letters of Credit
 Funds Transfer
 Remittances
 Bill Discounting
 Export Financing
 Credit Extension
Product Range
When you come to UBL, you get a full range of Products and Services to choose
from:
CorporateFinance
 Loan Syndication
 Structured Finance
 Term Finance Certificates
Finance/Credit Extension
 Local Currency Facilities
 Overdrafts

15.  Demand Finance
 Working Capital Finance
 Import Financing
 Receivable Discounting
 Pre and Post Export Financing
 LMM Funding
Trade
 Documentary Letters of Credit
 Standby Letters of Credit & Guarantee
 Documentary Collection
 Funds Transfer
Investment/Cash Management
 Current & PLS Accounts
 Foreign Currency
 Cash Collection
 Utility Bill Collection
 Capital Market Hybrid Products
 FX Spot, Forwards and Hedging
 Rice/Cotton Financing for Ginners
7. Omni Branchless Banking
UBL Omni now brings a host of banking services to your nearest "Dukaan". UBL
Omni Dukaans are located in more than 650+ cities and towns across Pakistan. This
is a major milestone in the evolution of banking that will reshape the traditional
banking model by offering basic banking services across urban and rural Pakistan,
well beyond the regular branch networks of banks.
8. UBL Ameen
At UBL Ameen, it is our aspiration to provide you with innovative and customized
products and services based on the age old foundations of Islamic Jurisprudence.
Our aim is to create new benchmarks in service quality and provide an array of
personalized Islamic products, catering to the diverse and ever challenging demands
of our clientele.

16. Being part of one of the largest commercial Banks in the Country, it is our endeavour
to become the leading player in Islamic banking and perform an integral role in the
growth and development of the Islamic financial industry in Pakistan.
May Allah instil in us the strength of character and vigour of purpose to fulfil our
newfound role and also gift us with the capacity to exceed the expectations of our
faithful patrons as their trusted and reliable “Ameen”.
9. Investment Banking
At UBL, we offer our customers a full spectrum of services
 Debt Capital Markets & Syndications
 Project & Structured Finance
 Equity & Advisory
10. Net Banking
UBL net banking offers you a simple, convenient and secure way to manage your
bank accounts 24/7 from anywhere in the world. UBL net banking is the most trusted
Internet Banking portal in the country primarily because of its uniquely strong
security features and an attractive list of transactions and activities available.
11. Treasury &Capital Markets
12. UBL Click N Bank
Simply Revolutionary
Click N Bank * eNRP Account - A simple & convenient way to open, fund and
operate account in Pakistan. Completely Online!
13. UBL Tezraftaar
UBL offers the most efficient and free remittance service to beneficiaries in Pakistan.
With our large network of branches, we are poised to offer you service almost at your
door step.
UBL remittance service, TezRaftaar offers all overseas Pakistanis the fastest and the
most convenient delivery of their money to their beneficiaries in Pakistan. Best of all,
TezRaftaar is completely cost free and is available at all UBL Overseas branch
network in the Middle East, UK and US. This facility is also available at UBL's
correspondents (Banks/ Money Transfer Cost) in Australia, Canada, Denmark, UK,
USA, UAE, Saudi Arabia, Kuwait, Bahrain, Oman, Qatar, Malaysia and Europe as
per list available at Remitter Locator.
14. UBL Tezraftaar Pardes
We introduce to you the UBL Tezraftaar Pardes Card in collaboration with Pakistan
Remittance Initiative (PRI), where the customer’s inward remittances are deposited
automatically on the remittance card as and when sent.

17. UBL Tezraftaar Pardes Card is a unique initiative to provide you relief in receiving
your money without having to go to the bank's branch. Apart from being an ATM
card, the UBL Tezraftaar Pardes card also provides you with the facility of directly
spending through all VISA accepting outlets across Pakistan.
15. UBL & Western Union
PRODUCTS
1. UBL Wiz
UBL Wiz is Pakistan's first ever Prepaid VISA Debit Card that provides the
convenience, security and benefits of an ATM and Debit Card, locally and
internationally.
2. UBL Mega Wallet
A revitalized and colourful design beckons you to a mega experience of power and
rewards. Every time you use your card to withdraw cash or conduct transactions, you
will be rewarded with points that can be redeemed for exciting gifts.
3. UBL Credit Card
Welcome to the world of UBL Credit Cards, the most exciting and vibrant credit card
brand in Pakistan. We offer you a range of innovative and exciting cards that is
powered by a security of chip
4. Agricultural Products
ProductionLoan
Financing is available for Major and Minor crops across Pakistan. Main purpose of
financing is to facilitate farmers to purchase Agri Inputs such as Seeds, Fertilizers,
Pesticides, Sprayers, hired labour etc.
NIACF(Revolving CreditScheme)
 Loan Tenure 3 years
 Documentation once for 3 years.
 Cleanup once a year
 Option for the farmer to use limit as per requirement
 Mark-up is charged on amount used or withdrawn
 Minimum Amount PKR 30,000

18.  Maximum Amount as per requirement of the farmer
NIADF(DemandFinanceProduction)
 Loan Tenure 3 months to 1 year
 18 months for Sugar cane only
 Lump sum disbursement of the limit for a specified period.
 Repayment of loan in bullet payment on maturity (Principal and markup).
 Minimum Amount PKR 30,000
 Maximum Amount as per requirement of Farmer
DevelopmentLoan
LandDevelopment,EquipmentsandMachinery
Financing for Land Improvement, Water course improvement, Tube wells, Lift
pumps, Deep turbine pumps, Cotton pickers, Godown, Cold Storage, Harvester,
Thresher, etc
 Loan Tenure 1 to 5 years
 Lump sum disbursement of the limit for a specified period.
 Repayment in instalments (Principal with mark-up).
 Repayment mode monthly, quarterly and half yearly
 Minimum Amount PKR 30,000
 Maximum Amount as per requirement of Farmer
Tractor & VehicleFinance
To purchase Tractors, Delivery Vans, Mini Trucks, Motor Cycle and other vehicles
used for marketing Agri Products
 Loan Tenure
 1 to 3 years for Motor Cycle
 1 to 7 years for Tractor
 1 to 5 years for other 4 wheel vehicles
 Lump sum disbursement of the limit for a specified period.
 Repayment in instalments (Principal with mark-up).
 Repayment mode monthly, quarterly and half yearly
 Minimum Amount PKR 100,000
 Maximum Amount PKR 1,500,000
Nonfarm Loans
LivestockFinancing
Dairy Farming, Meat Farming, Fattening of Animals, Rearing of Animals,
Construction of Sheds, Milk storage tanks, acquire and establish modern and
efficient livestock facilities.
 Loan Tenure 1 to 5 years

19.  Monthly / Quarterly repayment mode for Dairy Farmers
 Monthly / Quarterly / Half Yearly repayment mode for Meat Farmers
 Minimum Amount PKR 50,000
 Maximum Amount as per requirement
Poultry Farm structure and equipments, Hatchery farm structure and equipments,
Feed Mills, Purchase of Chicks, Feed, Medicines, Storage tanks, Cold storage,
Construction of shed, etc.
 Loan Tenure 1 to 5 years
 Monthly / Quarterly repayment mode for all loans
 Minimum Amount PKR 50,000
 Maximum Amount as per requirement
Fisheries Financing
Fish seed, Fish feed, Manuring, Construction of pond, Curing and Dying by
fishermen, etc.
5. Small Loans
Under the Small Business Scheme, UBL is providing loans on easy terms to those
who wish to set up their own small-scale business. This scheme is aimed at
spreading prosperity in the country by reducing unemployment.
As more and more people start their own industrial units, the country will move
steadily towards economic self-reliance.
6. Deposit Products
Our deposit product portfolio offers an eclectic mix for all types of financial
requirements. Whether you are an individual interested in opening a savings
account, or a businessman wanting to maintain a foreign currency account, or a
small business with a requirement of a business account for your daily transactions,
our deposit products offer you the range you require. Check out our extensive
deposit products and services and find one especially suited to your needs.
7. Other Retail Products
UBL Better Life-Bancassurance EFU
UBL Better Life Bancassurance SLICO

20. ABOUT HABIB BANK LIMITED
HBL was the first commercial bank to be established in Pakistan in 1947. Over the
years, HBL has grown its branch network and become the largest private sector
bank with over 1,450 branches across the country and a customer base exceeding
five million relationships.
The Government of Pakistan privatized HBL in 2004 through which AKFED acquired
51% of the Bank's shareholding and management control. HBL is majority owned
(51%) by the Aga Khan Fund for Economic Development, 42.5% of the shareholding
is retained by the
Government of Pakistan (GOP), whilst 7.5% is owned by the general public i.e. over
170,000shareholders following the public listing that took place in July 2007.
With a presence in 25 countries, subsidiaries in Hong Kong and the UK, affiliates in
Nepal, Nigeria, Kenya and Kyrgyzstan and rep offices in Iran and China, HBL is also
the largest domestic multinational. The Bank is expanding its presence in principal
international markets including the UK, UAE, South and Central Asia, Africa and the
Far East. Key areas of operations encompass product offerings and services in
Retail and Consumer Banking.
HBL has the largest Corporate Banking portfolio in the country with an active
Investment Banking arm. SME and Agriculture lending programs and banking
services are offered in urban and rural centres.
VISION
´Enabling people to advance with confidence and success”

21. Mission
To make our customers prosper, our staff excel and create value for
shareholders.
PRODUCTS OF HBL
INDIVIDUAL CUSTOMER
.
1. HBLCarLoan
HBL Car Loan helps you get your preferred car through a simple and hassle-free
process, backed by superior service and support. Now you can drive a car you
always wanted.