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C-programming project presentation

HABIB BANK LIMITEDGroup Members :Syed Sultan AliOmair RehmanAzhar AkhtarSyed Sagheer Abbas

Contents of DiscussionMission StatementIntroductionHistoryLevel of Management

Contents of Discussion (Cont..)Environmental ChallengesProducts & ServicesAssetsSharesSponsors

Contents of Discussion (Cont..)CompetitorsSWOT AnalysisAchievementsMission StatementTo be recognized as the leading financial institution of Pakistan and dynamic international bank in the emerging markets, providing our customers with a premium set of innovative product and services, and granting superior value to our stakeholders, shareholders, customers and employees.

INTRODUCTIONHBL establish itself in the Quaids city (Karachi) on 8 August 1947.Habib Bank Group is leader in Pakistans Service Industry.Extensive network of 1501 branches.It was Privatized during the start of 21st century in 2004.Pioneer in providing innovative services such as:First installation of mainframe computer in Pakistan.Followed by ATM service and Internet Banking facilities.

HistoryYoung boy Ismail Habib reached Bombay in search of job.

Got job in utensils and non-ferrous metals.

Intelligent and keen to his work & selected as President of the market.

Expanded business and engaged in Private Banking. 7Level of Management & Board of Directors President & CEO: Mr. Zakir Mehmood

Board of Directors

Mr. Zakir Mehmood (President & CEO)

Mr. Sultan Ali Allana (Chairman)

8Level of Management & Board of Directors Mr. Ahmed Jawad

Mr. Sajid Zahid

Mr. Sikandar Mustafa

9Level of Management & Board of Directors Mr. Mushtaq Malik

Mr. Moez Jamal

10ENVIRONMENTAL CHALLENGES A broad view of market is important when management is interested in introducing better services for customers. Factors that influence buyers and thus change the size and composition of market overtime involves initially building customer profiles. These influences include:

Political and Legal EnvironmentEconomic TrendsSocio Cultural EnvironmentTechnological FactorsTerrorism (Latest)

11POLITICAL AND LEGAL ENVIRONMENTBanks are strongly affected by the political and legal considerations. This environment is composed of regulatory agencies and government law that influence and limit various organizations and individuals. Mostly these laws create new opportunities for business.Business legislations has following purposes:To protect banking companies from unfair competition.To protect consumers from unfair business practices adopted by banking companiesTo protect the interest of the society from unbridled business behavior.

12Economic TrendsA banking market requires better consumer market in volume along with higher borrowing power. The available borrowing power depends on:Consumer Income Saving ratesConsumption PatronsRates of InterestBudget DeficitExchange ratesCost of livingInflation

13SOCIO-CULTURAL ENVIROMENTA society is shaped by beliefs, norms and values. People in a society consciously and unconsciously interact with:ThemselvesOthersOrganizationSocietyNature

14TECHNOLOGICAL FACTORSThe rate of change of technology has greatly affected the rate of growth of economy. New technology is creating deep rooted affects which could be observed in long run.The improvement techniques involved in on line banking. 15TERRORISMIt truly destroys the ongoing of an organization, and hence makes it difficult to achieve the desired objectives or goals of the company.

In Pakistan, the economy of the country collapsed because of the terrorist activities in the past few years, especially in the most affected areas like of Khyber PakhtunKhuwa (KPK) and in the present days, KARACHI

Due to terrorism not only HBL or Banks only but all the business sector of the country is affected

16PRODUCTSFollowing are some of the products and services that are provided by the HBL

Products:HBL Muhafiz Rupee Travelers ChequeHBL Auto FinanceHBL Flexi Loans for salaried personnelHBL Lifestyles Financing SchemeHBL House Financing LoansHBL Fast TransferHaryali Agricultural LoansHBL E-BankMoney club account

17 SERVICES Retail Banking

Commercial Banking

Corporate Banking

International Operations18RETAIL BANKINGRETAIL BANKINGCore strenght of HBL with 1425 branchesProvides diversified low cost deposit baseFormed basis for corporate and investment banking and treasury activities

19COMMERCIAL BANKING COMMERCIAL BANKINGOn November 1, 2000 Commercial Banking came into being providing two-fold objective of setting up Commercial banking:

First to stop the erosion of market share in the middle market.Second, to regain the lost market share

20CORPORATE BANKINGCORPORATE BANKINGThis group serves large institutional customers who require sophisticated products in an environment of intense competition This Group is now recognized as a market leader & participates in most large structured finance deals

INTERNATIONAL OPERATIONSFirst international branch was opened in 1951 in Colombo-Sri Lanka:The Banks branches in financial centers continue to provide efficient trade settlement .Also provide services to the entire network and business with other banks

21AssetsNOTE20102009 (IN RUPEES)Cash and balances with treasury banks5 81,640,246 79,839,836Balances with other banks 6 37,413,185 40,366,687Lendings to financial institutions7 30,339,344 5,352,873Investments8 254,909,116 216,467,523Advances9 459,750,012 454,662,499Operating fixed assets10 16,155,290 16,766,668Deferred tax asset11 9,572,203 9,205,944Other assets12 34,920,007 41,262,754

TOTAL 924,699,403 863,924,793

22SharesTotal number of share holders= 113,506.Total Shares=1,001,880,000 (More than 1 Billion).Each Share of HBL= Rs.5.Cost of per share in market= Rs.120.It has a domestic market share of over (40%). It also continues to dominate the commercial banking sector with a major market share in inward forward remittances (55%) and loans to small industries, traders and farmers.23SPONSORS OF HBLThe following two are the main sponsors of HBL:

Agha Khan Group (The biggest sponsor of HBL (Habib Bank Limited) with the most share i-e 51%).Government and General Public (with 49%).

24COMPETITORS OF HBLNBA (National Bank Limited).UBL (United Bank Limited).MCB (Muslim Commercial Bank).Allied Bank.Standard Chartered.Bank Alfalah.

25

26 27ACHIEVEMENTS IN 2008Deposit growth for the year has been 12.5% Net asset growth of the bank has been 19% over 2007. HBLs consolidated Pre-tax profit for 2008 is Rs. 22.03 billion.Profit after tax is Rs. 15.61 billion, which translates into an earning per share of Rs. 20.47. The HBL Board met on February 20, 2009 at Karachi and announced its results for the year 2008, which show a strong growth in all areas. The Chairman of HBL, Mr. Sultan Ali Allana presided over the Board meeting and said that the banks performance, despite the difficult conditions both globally and in Pakistan, is very encouraging. The bank will continue to focus and invest in technology, branch upgrades and human resources in order to deliver a higher standard of services to its customers.

28ACHIEVEMENTS IN 2009Deposit growth for the year has been 14.3%.Net asset growth of the bank has been 27.2% over 2008.HBLs consolidated Pre-tax profit for 2009 is Rs. 21.4 billion.The profit after tax is Rs. 13.4 billion, which translates into an earning per share of Rs. 14.70.The Bank announced a final cash dividend of Rs. 6.00 per share (60%) and bonus shares of 10%.

29ACHIEVEMENTS IN 2010 Deposit growth has been Rs. 16.8 billion, total assets have grown by Rs. 11.5 billion.Net assets by Rs. 1.9 billion. HBL's consolidated Pre-tax profit for 2010 is Rs. 12.8 billion.The profit after tax is Rs. 7.9 billion, which translates into an earning per share of Rs. 7.70 showing increase of 26% over June 2009.

30ACHIEVEMENTS IN 2011Deposit has registered remarkable growth of 25%.Net asset growth of the bank has been 14% over 2010. HBLs consolidated Pre-tax profit for 2011 is Rs.34 billion.Profit after tax is Rs. 22 billion, which translates into an earning per share of Rs. 20.13. The Bank announced a final cash dividend of Rs. 4 per share (40%) and 1 bonus shares for every 10 shares held (10%), which is in addition to the interim dividend of Rs. 3 per share.

The HBL Board met on February 24, 2012 at Karachi and announced its results for the year 2011, which show a strong growth in all areas. 31Thanks for the Presentation