ACKNOWLEDGEMENT

In the name of Allah the praiseworthy, the passionate whose blessings made it possible for us to complete this complex and painful task. It is a matter of great enthusiasm and pleasure for us to complete a report in its real sequence. It is all because of Almighty Allah’s great guidance that made us so able. We are cordially thankful to our respected Teacher Mr. Javaid Akhtar who provided us an opportunity to prepare this Project report and whosebenevolent  guidance   in  d iscourse  and constant  encouragement  he lped  us   to complete this project.

CONTENTS

Topics Page1 History of HBL2 Introduction to HBL3 Vision & Mission4 Core Values5 Organizational Chart of HBL6 Functions in HBL

Information Systems & its TypesMIS & its Types

7 Management Information System at HBL8 Transaction Processing System of HBL9 Management Reporting System of HBL10 Decision Support System of HBL11 Office Information System of HBL12 Working of MIS in different departments at HBL13 Specifications of MIS at HBL14 Hardware used by HBL15 Softwares used by HBL16 Database Management Systems

File Based Management Systems17 Networking18 Online Presence19 Security & Backups20 Recommendations 21 Future Plans22 Conclusion23 References

HISTORY

HBL established operations in Pakistan in 1947 and moved its head office to Karachi.

Our 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.

INTRODUCTION

Habib Bank Limited (HBL) commenced business in the year that Pakistan gained independence and based the head office in the then capital city that was Karachi.

HBL has international operations in Sri Lanka.

The Habib Bank Plaza, a historical monument for the people of Pakistan was constructed in the early seventies after the separation from East Pakistan (now Bangladesh) to mark the silver jubilee of the bank.

Due to the nationalization policies of the government in the seventies, HBL was nationalized like MCB in the seventies.

HBL progressed in this period and had a huge market share of over fifty five percent in remittances coming into the country.

It also makes personal loans and commercial loans to small and large industrialists and also to the agriculture sector which is the largest business sector in Pakistan.

HBL also expanded its overseas business to include the United States of America and Asian countries like Oman and Maldives and Singapore and European countries including Belgium and Holland.

Currently, HBL has the biggest distribution network in Pakistan with more than fourteen hundred branches operating in the major cities like Karachi, Lahore, and Islamabad, Rawalpindi and Peshawar and around two hundred other locations which include both cities and small villages.

Today, HBL is present in around 24 countries in the world, including USA, the UK and many Middle Eastern and European and African countries (HBL 2009).

VISION & MISSION

HBL Vision statement:

Challenging and changing the way you bank.

HBL Mission statement:

HBL bank’s team, of committed professionals is dedicated to maintaining long-term customer relationships through outstanding service and convenience.

CORE VALUES

Core Values of HBL are as follows:

Trust.

Focus on Customer.

Innovation.

Teamwork.

Achievement.

Social Responsibility.

Trust

We are the trustees of public funds and serve with integrity & commitment. Ethical behavior is of critical importance to us.

We adopt full compliance with internal and external policies and procedures, operating within the legal framework.

Focus on Customer

We continuously seek to exceed our customer’s expectations, forging and maintaining long term relationships.

Innovation

We strive to be the market leaders in innovative products and services offering customized financial solutions with flawless execution.

Teamwork

The diversity of our people is our strength.

We inspire and challenge each other – working together to achieve synergy.

Achievement

Our people are our most valuable asset.

We are committed to a result oriented culture.

Our goals are clear and merit is the only criterion for reward.

Social Responsibility

As responsible citizens we contribute to the social welfare of the community we live in.

Organizational Chart

Functions in HBL

HBL Bank offers different services to its customers:

Commercial banking. Corporate banking. Investment banking. Retail banking. Treasury banking. Islamic banking.

Commercial banking is a banking in which HBL bank accepts deposits from investors and lending loans to borrowers.

Corporate banking focusing on giving the facility of cash management and payroll services to the customers.

Investment banking in which lends their loans and the other ways in which they can invest their deposits to get interest e.g., in stock exchange.

Retail banking is the most important function of HBL bank, because in this aspect the HBL provides the least cost deposit to open a new account.

Treasury banking in HBL is used basically to manage the capital risk and to prepare balance sheet statements in order to manage assets and liabilities of company.

Islamic banking services are also given in HBL bank at customers demand.

Information System & its Types

Information System:

An information system (IS) is a system composed of people and computers that processes or interprets information.

Classification of Information System:

In any given organization information system can be classified based on the usage of the information.

Therefore, an information system in an organization can be divided into

Operations support system.

Management support system.

Operations support system:

In an organization, data input is done by the end user which is processed to generate information products i.e. reports, which are utilized by internal and or external users. Such a system is called operation support system.

The purpose of the operation support system is to facilitate business transaction, control production, support internal as well as external communication and update organization central database.

The operation support system is further divided into:

Transaction-processing system. Processing control system. Enterprise collaboration system.

Transaction Processing System (TPS)

In manufacturing organization, there are several types of transaction across department.

Typical organizational departments are Sales, Account, Finance, Plant, Engineering, Human Resource and Marketing. Across which following transaction may occur sales order, sales return, cash receipts, credit sales; credit slips, material accounting, inventory management, depreciation accounting, etc.

These transactions can be categorized into batch transaction processing, single transaction processing and real time transaction processing.

Process Control System

In a manufacturing organization, certain decisions are made by a computer system without any manual intervention.

In this type of system, critical information is fed to the system on a real-time basis thereby enabling process control. This kind of systems is referred as process control systems.

Enterprise Collaboration System

In recent times, there is more stress on team effort or collaboration across different functional teams.

A system which enables collaborative effort by improving communication and sharing of data is referred to as an enterprise collaboration system.

Management Support System:

Managers require precise information in a specific format to undertake an organizational decision.

A system which facilitates an efficient decision making process for managers is called management support system.

Management support systems are essentially categorized as:

Management information system. Decision support system. Expert system. Accounting information system.

Management information system provides information to manager facilitating the routine decision-making process.

Decision support system provides information to manager facilitating specific issue related solution.

Further Classification:

An information system can be categorized based upon activity into:

Strategic planning system. Tactical information system. Operational information system.

MIS & its Types

Management information systems are those systems that allow managers to make decisions for the successful operation of businesses.

Management information systems consist of computer resources, people, and procedures used in the modern business enterprise.

The term MISstands for management information systems.

MIS also refers to the organization that develops and maintains most or all of the computer systems in the enterprise so that managers can make decisions.

The goal of the MIS organization is to deliver information systems to the various levels of corporate managers.

MIS professionals create and support the computer system throughout the company.

Trained and educated to work with corporate computer systems, these professionals are responsible in some way for nearly all of the computers, from the largest mainframe to the desktop and portable PCs.

Management information systems can be used as a support to managers to provide a competitive advantage.

The system must support the goals of the organization. Most organizations are structured along functional lines, and the typical systems are identified as follows:

Accounting management information systems All accounting reports are shared by all levels of accounting

managers. Financial management information systems

The financial management information system provides financial information to all financial managers within an organization including the chief financial officer.

The chief financial officer analyzes historical and current financial activity, projects future financial needs, and monitors and controls

the use of funds over time using the information developed by the MIS department.

Manufacturing management information systems More than any functional area, operations have been impacted by

great advances in technology. As a result, manufacturing operations have changed. For instance, inventories are provided just in time so that great

amounts of money are not spent for warehousing huge inventories. In some instances, raw materials are even processed on railroad

cars waiting to be sent directly to the factory. Thus there is no need for warehousing.

Marketing management information systems A marketing management information system supports managerial

activity in the area of product development, distribution, pricing decisions, promotional effectiveness, and sales forecasting.

More than any other functional area, marketing systems relies on external sources of data.

Human resources management information systems Human resources management information systems are concerned

with activities related to workers, managers, and other individuals employed by the organization.

Because the personnel function relates to all other areas in business, the human resources management information system plays a valuable role in ensuring organizational success.

Activities performed by the human resources management information systems include, work-force analysis and planning, hiring, training, and job assignments.

Management Information System at HBL

Management Information System is a system that provides people with either data or information related to an organization's operations.

MIS support the activities of employees, owners, customers and other key people in the organization's environment - either by efficiently processing data to assist with the than section work load or by effectively supplying information to authorized people in a timely manner.

A management information system (MIS) is the collection of system, both computerized and manual, that provides information about ongoing activities to an organization's decision makers.

The management information system of Habib Bank Limited has following major divisions:

Transaction Processing System. Management Reporting System. Decision Support System. Office Information System. Executive Information System. Office Automation System.

TRANSACTION PROCESSION SYSTEM OF HABIB BANK LIMITED

T h e   T r a n s a c t i o n   P r o c e s s i n g   S y s t e m   ( T P S )   s u p p o r t s   t h e  d a i l y   b u s i n e s s transactions for example in the accounting department where the double entry system is used for recording the daily transactions it will record all the entries that have been credited or debited during the day and prepare the full report as well as inter relate these tasks and other into an overall accounting system.

This type of system keeps theorganization running by automation the process of the large amount of paper work that must be handled daily.

Unlike the other systems the Transaction Processing System (TPS) of Habib Bank links together all of the branches of the country in order to have one database so that the Customer Information can be accessed through all the branches in the country.

Basically the TPS has more dealings with the accounting basically TPS deals with the accounting department of an organization.

In HBL it is used to record withdraws and deposits of customers.

Some of its functions are:

Records the transactions

Records the debit & credit

Tells the balance of customer 

Gives the data about the custom TPS makes day to day reports e.g. it manages the double entry system.

For accounting department two types of reports are generated in it.

Transaction processing system supports the processing of Habib Bank Limited by automating the process of voluminous amounts of paperwork that must be handled daily.

These systems include accurate recording of daily Transactions, controlling the procedure of issuance e.g. issuance of pay cheques invoices, customer statements, payment remainders, tuition bills and employee schedules etc.

Transaction Processing Functions

There are three steps of processing a transaction.

1) Book Keeping

First of all accurate record of transaction is recorded e.g. recording the deposits or withdrawals of account holders. This recording of transaction is called Book Keeping involving applications of financial accounting.

2) Issuance

It refers to the production of pay cheques, invoices, periodic statements as monthly telephone bills, credit card bills and payment remainders etc.

3) Control Reporting

Reports that are produced as a byproduct of transaction processing operation and that also serves operation control purposes are called control reports, as pay cheques are of Habib Bank are produced in batches, likewise the payroll edit report is produced to show the pay scheme of employees.

MANAGEMENT REPORTING SYSTEM

A management reporting system (MRS) is an informatio0n system that provides predef ined   types  of   informat ion   to  management   for  re la t ive ly  s t ruc tured   types  of  decisions.

As opposed to focusing purely on data and the efficient processing of data(which characterize transaction processing systems), management reporting systems focus on Information and, occasionally, on effectiveness.

It generates a summarized report for reporting business updates to management at higher level and for their review. It generates report having:

Name of customer 

His address

Limit of loan which bank can give

Approval authority of loan

Date of giving loan

The expiry of deadline

The securities that the bank held against the loan

Management Reporting System is an information system that provides predefined types of information to management.

At Habib Bank Management Reporting System is used not only in management planning but also in managing the control system.

Properties of Management Reporting System

1) Support

Management Reporting System supports structured and semi-structured decision, primarily at the middle-and lower-management levels.

2) Provision of Information

Management Reporting System Provides fixed types of information, in an established format; the formation requirements of users are normally known and stable.

3) Nature of Management Reports

Often implemented with voluminous, hardcopy reports, requiring each user to search specifically for key' information. Frequently require a formal request to be submitted; formal systems development may be required to approve the request.

4) Data

It has usually consisted of internal operational data, rather than data about the external environment. It concerned with data about the past than data relating to the future.

DECISION SUPPORT SYSTEM

A decis ion  suppor t   sys tem (DSS)  provides   tools   tha t  enable  managers   todevelop information in the manner that best suits the decisions they are currently trying to make.

Unlike the MRS, which delivers specific types of information in a pre-planedformat ,   the  DSS provides   the  manager  wi th   the  comput ing  and communica t ionscapabilities to develop his or her own decision models, databases, and report formats.

Decision support systems often also focus on such areas as flexibility in meeting a variety of continually changing needs.

After getting the data from TPS and MIS manager makes his decisions on its basis.

The manager can also forecast a future trend on the basis of DSS.

Present decisions are based on past data that is available in the system.

It is a system that provides tools to managers to assist them in solving semi-structured and unstructured problems in their own somewhat personalized way.

At Habib Bank decisions are only taken by Board of Directors otherwise usually predefined decisions are there for managers to follow.

Properties of Decision Support System of Habib Bank

1) Support

Decision Support System supports semi-structured or unstructured decision-making.

2) Flexibility

The Decision Support System of Habib Bank is flexible enough to respond to the changing needs of decisions makers.

3) Application Way

Decision support system of Habib Bank is easy to use.

4) Fastness

Decision Support System is fast in responding with a high degree of user control and interaction.

Types of Decisions Taken

1) Unstructured Decisions

This is the decision for which information provided by computer or men is not complete but is a small portion of the total knowledge required to make a decision.

2) Semi-structured Decisions

The decision made under a condition in which the information about problem to be solved is not complete is called semi-structured decision.

OFFICE INFORMATION SYSTEM OF HABIB BANK

The combination of new technologies as hardware, software, facsimiles e-mails and the people availing their services makes the office information system.

Components of Office Information System of Habib Bank

There are 3 major components of Office Information System,

1) Document Management System,2) Message Handling System3) Office Support System.

Document Management System of Habib Bank

Document Management System of Habib Bank is partly manual and partly computerized. Further categorized:

1) Reprographic System

In each branch of Habib Bank Reprographic machines are there for making copies of required documents.

2) Word Processing System

At Habib Bank the office system technology which is used is word processing involving hard ware and software tools which allows computer system to operate.

Message Handling System of Habib Bank

It is one of major applications of Office Information System. At Habib Bank the message handling system is of following.

1) Facsimiles

Fax machines are there to receive and send faxes in other branches of Habib Bank.

2) Electronic Mail

Electronic mail is used to receive and send messages to other branches.

Office Support System

Many applications collectively help in working of groups, which are known as Office Support System.

In HBL it is Group Ware.

Habib Bank provides group ware in following ways.

1. Word processing services.

2. Using fax mails.

3. Availability to on- line Data.

EXECUTIVE INFORMATION SYSTEM

An executive information system (EIS) - which is sometimes referred to as anexecutive support system (ESS) - is a DSS that is designed to meet the special needs of top-level managers.

Some people use the terms “EIS” and “ESS” interchangeably, butothers do not.

Any distinction between the two usually is because executive supportsystems are likely to incorporate additional capabilities such as electronic mail.

Because executives deal primarily with data about the external environment anddata that come from informal sources, they are usually less reliant in direct contact withinformation technology than other types of managers.

When information from their company’s computers is needed, many chief executive officers make their subordinatesretrieve that information.

Because executive information needs are more ambiguousthat those of other levels of Management, computers have historically been less usefulto executives.

Many executives have little hands –on experience with computers andd o n ’ t   f u l l y   a p p r e c i a t e   h o w   i n f o r m a t i o n   t e c h n o l o g y   c a n  i m p r o v e   t h e i r   p e r s o n a l  productivity and decision-making skills.

ESS is for executives e.g., Retail GeneralManager (RGM) b/c executives are non-technical people so a very user friendly systemis made for them to make their decision making process easy and feasibility, for this purpose reports are generated to give easy access to information.

OFFICE AUTOMATION SYSTEM

OAS is the use of computer systemstoexecutea variety of office operations,such asword processing, accounting, and e-mail.

Office automation almost alwaysimplies anetwork of computers with a variety of available  programs.

Office Automation has traditionally referred to a wide variety of computer- based technologies that make office workers more productive.

The diverse set of OAt o o l s   t h a t   e n h a n c e   o f f i c e   p r o d u c t i v i t y ,   e f f i c i e n c y   a n d  e f f e c t i v e n e s s   a r e   o f t e n collectively called information systems.

Many office systems can also be classified asdecision support systems or DSS tools (such as spreadsheets), which can make officeworkers more productive and also help managers make better decisions.

The blurry line between decision support systems and Office Automation System should be expected because most decisions makers work in some type of office environment.

Another example of ambiguity, a database management system that manages data for a firmmight also offer some decision support.

Some of the Office Automation Systems usedin Habib Bank are:

CPU’s Monitors Fax Scanners Printers Keyboards Mouse

Working of MIS in different Departments

WORKING OF MIS IN DIFFERENT DEPARTMENTS OF HABIB BANKLIMITED

1) DEPOSIT DEPARTMENT Almost all the activities mentioned above are performed through

computer The computer maintains all records of each and every client Vouchers have been prepared and send to the MIS department for daily

transactions and making changes in customer's accounts. Activity of account opening and deposit department are the followings:

Opening new accounts. Maintain of deposits of the account holders. Processing can stop payment instructions. To give fresh cheque books. To make amendments in the existing accounts. Closing the accounts of accounts holders (if required).

2) CASH DEALING DEPARTMENT The major functions of cash dealing departments are:

Cash receipts. To cash cheques.

All the regarding date, account number, tile of account, balance of account holder and the signature of customer have been verified through computer.

3) REMITTANCE DEPARTMENT The major functions performed by remittance department are:

Pay order. Demand like drafts on need. Post transport. Telegraphic transfer.

Fax and telephone are the major source of performing such activities.

4) IMPORT DEPARTMENT Three major functions performed by the import department:

L/C opening. Lodgment of papers and documents. Retirement of papers and documents.

Import department is considered to be one of the most important departments of the bank. It handles the import licensing and imports of merchandise.

Imports can be separated into two categories: Industrial Imports. Commercial and industrial Imports.

Export Promotion Bureau makes registration of imports, Document required for sole proprietor partnership concern and limited concerns are different.

5) EXPORT DEPARTMENT

Export is a major source of earning foreign exchange. Every country wants to increase its exports because the foreign exchange

earned through exports can help in meeting the other needs of the countries.

The computer keeps the records of each and every dealing which has been made by the customer for import export purposes.

The records concerning his past and present performance and balance of accounts helps to make further decisions whether to give him loan or not.

6) PERSONNEL DEPARTMENT Personal department uses computer for smooth functioning of work. The main functions performed by Personnel Department of Habib Bank

are: Selection and recruitment. Training and growth. Job explanation and estimation. Periodic review Communication

7) MARKETING DEPARTMENT Consumer satisfaction is the first and for most priority for the bank.

The marketing management makes policies for the better services of satisfaction of consumer.

The process includes: Finding out consumer wants and needs through marketing research. Finding possibilities and then development of those wants and

needs. Establishing meaningful relations with customers. Improving of product development for customers.

It is also the function of the organization to keep in constant contact with the consumer, read their needs, developed the product that can fulfill their needs and build the aim that express organizational purpose.

Bankers also try to locate their past customers for offering more facilities to them.

The computer provides every past and present updated account of each customer.

Specifications of the Management Information System in HBL

Hardware HP Blade Server

Software Oracle E-Business Suite R12

Operating System Linux

Input Financial Data

Output Financial Statements

Processing Batch Processing

Storage Primary, secondary

Hardware at HBL

The part that cannot not be seen or touched is called hardware.

As the name represents hard means hard, so physical parts are called hardware. The term hardware refers to machinery.

This category includes the computer itself, which is often referred to as the central processing unit (CPU), and all of its support equipment.

This hardware includes:

Database Server.

Internet Server.

LCD Monitors.

Laptops.

Dot Matrix Printers.

Laser Printers.

Scanners.

Tape Drives.

Computers.

Generators.

Softwares

SOFTWARE USED BY HABIB BANK 

“Set of instructions given to the computer to solve a problem”

The term software refers to computer programs and the manuals that support them.

Computer programs are machine-readable instructions that direct the circuitry within

1) OPERATING SYSTEM SOFTWARE:

UNIX is being used as the main operating system in Habib Bank according tothem  i t   i s  more  powerful   than  Windows.

2) MULTI-USER ONLINE BANKING (MOB)

The main system used by the bank is called Multi-user Online Banking (MOB).

This is the main system through which all of the branches of Habib Bank are linked together.

This system has many sub systems of which the foremost and important is Management information system.

Multi-user Online Banking (MOB) works in such aw a y   t h a t   f o r   e x a m p l e   i f   c u s t o m e r   o p e n s   a n   a c c o u n t   i n  H a b i b   B a n k   o n c e   t h a t information is fed into the system then that information will become available to all the braches of Habib Bank located in Pakistan.

For instance if the account has been opened in Islamabad the customer can deposit and withdraw money from wherever in Pakistan from an on-line branch, this is mainly possible through Multi-user Online Banking(MOB).

M u l t i u s e r   O n l i n e   B a n k i n g   ( M O B )   i s   a   c u s t o m e r   m a d e  s o f t w a r e   a n d   t h e computer   language   tha t  has  been  used   to  develop   i s  Common Business  Or iented Language (COBOL).

The software of MOB has been kept different from same type of software so as to prevent unauthorized entry.

Habib Bank used Kindle Banking System until 2001 in their Retail Banking sector.

3) Servers:

MAIN SERVER: THIN CLIENT(centralized)

Internet Server: DL320G5 (Core 2Duo), 4GBRam, Raid 5 SAS 145GB HD x 3

Database Server: HP DL380G5 (Dual Core), 4GB Ram, Raid 5 SAS 145GB HD x 3

Application Server: DELL (Dual Core), 4GB Ram, Raid 5 SAS 145GB HD x 3

4) SUPPORTING SOFTWARES:

HBL uses following supporting software through them are performing their work daily and that are:

MS WORD MS EXCEL MS POWER POINT MS ACCESS

DATA BASE MANAGEMENT

Database administrators:

D a t a b a s e   a d m i n i s t r a t o r s   a r e   r e s p o n s i b l e   f o r   e n s u r i n g  t h a t   u s e r s   a n d  programmers have access to the data that they need in order to make decisions or run applications and for integrity and security of the data in the database.

DATABASE MANAGEMENT SYSTEM:

Database management system is a collection of software that has been designed to provide a systematic and flexible approach to organizing and access to data that could possibly exist as separate files in database management all of the Information is put in to a cent ra l da tabase and only one program or f i le ent ry i s requi red .

When a cus tomer makes an enquiry a l l the checking, savings and loan da ta  are   ins tant ly available.

DBMS has not yet been fully implemented in Habib Bank and will be used when web-access is made.

It is used for references only and soft copies are made for  example a credit database may include:

Name Location Approval authority of credit Expiry/tenure Securities Sort of finance

DATA MANAGEMENT:

Managerial decision making is likely to be more effective when managers are able to quickly access the data they need on demand.

Most of the other databases data has been stored on computer-files and databases.

These databases include: Customer/client databases Employee databases Accounting databases Credit databases

Data has been physica l ly s tored on a var ie ty of media , inc luding magnet ic d isks , compact Discs and paper such as business forms, memos and reports.

However it has been experienced that Computer based storage offers several advantages over paper based storage, such as abilities to;

Store data compactly and efficiently Quickly edit and modify stored data and make backup copies

In HABIB BANK all the data is directly stored in head office.

Information Technology department of HABIB BANK have a simple database structure and use online processing/real time processing that transaction

Simple  appl ica t ion  sof tware   i s  be ing  us ing   to  cont ro l ,  c rea te  & manage database.

FILE BASED MANAGEMENT SYSTEM

File processing refers to an environment in which data is physically organized into files (collection of related records).

The file processing environment is linked tithe specific application programs that are being used in the organization.

These data and files are shared by many application programs.

Although file management is done manually as files on the computer cannot be manually signed, but files are also created on computer for record and references.

Files made on FMBS include:

Basic borrower’s fact sheet (personal & professional record) Their Securities (legal documents are manually kept0 Correspondent Files Credit Files & Legal Files

WORKING:

Habib bank uses a f i le process ing sys tem wi th d i f ferent cus tomer f i les for  example: checking, savings and loans. Often, customers call the bank questions on severa l  of   the i r  accounts .

Service   representa t ive  has   to  go   through   the   fo l lowing  procedure:

Enter the checking-account-balance program Get the required checking Information Leave program Enter saving-account-balance program Get the required saving Information and leave program Enter loan-account-balance program Get the required loan Information and leave program

Networking

Network Administrator

Telecommunications mangers and network managers/Network Administratorsare responsible for meeting the data communications needs of users in the organization.

The increasing trend toward networking and distributed processing has increased the impor tance of these pos i t ions .

Al l the works ta t ions wi th in the Bank are connected through Local Area Network (LAN).The bank has over 101Branches a l l over the country which have been linked through Microwave or Phone lines, Satellites and most of the connections have been provided byPTCL.

Connectivity Parallel. Microwave or Phone lines. VIA-satellite.

Routers Model RA 46-40 (Red line)

Switches Model S3000-S3500

Power Cable PABX for VOIP Fiber Cable

ONLINE PRESENCE

HABIB BANK has online presence. We can get data from the web & also discussed our problems through mail.

ONLINE FACILITIES:

Availability of DEBIT and CREDIT. Cash withdrawal and deposit. Transfer of funds.

There are mainly two persons involved in online transitions to make tem successful.

The initiator (transaction creator) and the supervisor (supervising the transaction process).

SECURITY & BACKUPS

Security is a very important part of an information System, every organization has to protect its vital data from unauthorized access for this purpose Habib Bank has many security policies, these are:

A   p a s s w o r d   i s   a s s i g n e d   t o   t h e   e m p l o y e e s   a n d   t h e r e   i s  l i m i t   t o   u s i n g   t h e  password for example an employee can issue up to a specific amount.

In order to protect from any unauthorized access into the system, the software that is being hacked from outside and is said to be fool proof.

In order to protec t the da ta , backups are used, for back up Habib Bank uses floppies, every day backup is done and these floppies are transported to the nearest branch to protect against any potential hazard for example fire, arson, earthquake, theft etc.

After a week these backup floppies are transported back to the branch. Whenever checque has been cashed so the bank checks the

s ignature and amount of account holder.

BIO MATRIC DESKTOP:

B i o m e t r i c s ,   w h e r e   a u t h o r i z a t i o n   o f   t r a n s a c t i o n s   i s   b a s e d  o n   t h e   s c a n n i n g   o f   a customer's fingerprint, iris, face, etc.

To maintain security HBL has a new technique of thumb impression recognition. i.e., whenever customer wants to withdraw cash fromA T M   a   t h u m b   i m p r e s s i o n   w i t h   p e r s o n a l   I D   c a r d   o f  c u s t o m e r   i s   n e e d e d   t o   b e ident i f ied i f i t i s matched wi th the da tabase mainta ined by HBL in Karachi head- office.

And this can be verified within seconds to facilitate their customers.

Cheque/Cash  Acceptance ,  where   the  ATM accepts  and  recoginse  chequesand/or currency without using envelopes

Bar code scanning

On-demand  pr in t ing  of  " i tems  of  va lue"   (such  as  movie   t ickets ,  Travel lersCheques, etc.)

Dispensing additional media (such as phone cards)

Co-ordination of ATMs with mobile phones

Customer-specific advertising

Integration with non-banking equipment

C.C.TV:

Creating duplicate copies

Duplicate copies of all data are used and all original data are placed at the website of HBL Ltd Pakistan. There is such distance between the original and duplicate data.

Contingency Plans

Contingent plans are used to protect the hardware data. If any problem occurs in the hardware system then there will be no difficulty for the data. It means that protect data in the hardware system.

Storage Devices

Primary and Secondary storage devices are also used in the process to protect and save the important information from loss or misuse. Often the master file is stored on these devices while the users are provided access to the duplicate file. Master file containing the permanent information is updated during processing by transaction data.

The External Storage devices that are used in the Department are:

RAID. DVDs. CDs. H a r d   D i s k   M o v e a b l e

Basis for Data Backup

Daily Basis. Weekly Basis. Monthly Basis.

INFORMATION RESOURCE MANAGEMENT

InformationResourceManagement (IRM):

It is a concept that recognizes information as a key resource thatshould (as should any vital resource) be properly managed.

Other fields also think of their assets in this way.

MIS is perceived as an area that can generate opportunities or value for the organization, not mainly as a source of problems.

Because MIS is seen asa playing a pivotal role in the future successes of IRM-oriented firms including Banks.

The person in charge of the MIS area is often found at the middle managerial level.

Inthis position the information system department participates in strategic planning andother key decisions that are made by the organization’s top level managers.

MIS PERSONNEL

The MIS personnel can or cannot be non IT persons.

The Information SystemManager is present in all department of the bank.

The Management Information System(MIS) Manager looks after the I.T Staff and controls their operations, the planning andimplementation of System Development Life Cycle also is done by the InformationSystem Manager .

Fol lowing are the job t i t les of people who in terac t d i rec t ly wi thmanagers and users and in general manage the whole information system-althoughthese are not the only personnel working the I.T Department, many other job titles may be found within this area.

Computers Operations Personnel:

These are the people responsible for the day to day operations of TransactionProcessing System s, management reporting system, and all other shared multi-user computers.

Some of the job titles for the people in this category are the following:

Computer operations manager/System Manager:

The computer operations manager is in charge of the entire operations activity.

H e   h a s   t h e   r e s p o n s i b i l i t y   o f   h i r i n g   a n d   a s s i g n i n g   w o r k   t o  t h e   o t h e r   o p e r a t i o n s  personnel, he is generally a supervisor, he also plans the installation and removal of equipment with consent of the concerned authorities, and generally all other tasks toensure that data get processed as efficiently as possible.

Computers operators:

They are in charge of running the equipment in the I.T Department.

Their job isto load disks and tapes, create backup files and ensure their safe transport to the second branch of the Bank; they also initiate solutions to equipment malfunctions and similar functions.

Data Entry Personnel:

These are the people within the bank’s I.T Department who enter data into themain computer system.

System Librarians:

They are responsible for managing data stored on such media such as disks.

Including among these are the backup copies of important programs and data recordskept pertaining to the daily transactions of the bank.

Accounting data, debit and creditentries, customer info etc.

System Analysts:

System Analys ts  a re   the   technology  profess ionals  charged  wi th  analyzing,designing and implementing large computer-based information systems.

Because theyare the crucial interface among users, upper management, and programmers, they must be skilled in business, computers, and other technology-based areas.

They must also possess good interpersonal communication skills as they are the one who basicallyhave to communicate with the employees of the organization and perceives whatever  they may need in the Information System that is being designed.

Programmers

The computers professional who are specifically charged with writing computer programmers are called programmers.

Some of the types of programmers are maintenance programmers, and systems programmers.

Application Programmers: Code applications programs-the software that serves the direct needs offend-users.Generally it is the systems analyst who initially specifies what programs needed must do.Armed with a set of formal-often technical-specifications from the analyst, theapplications programmer then write programs from them.

System Programmers: 

Code the systems software that controls the operation of computer hardwareand makes it possible to run applications programs.

MIS Management:

At the top of the computer h ierarchy are MIS execut ives .

In Habib Bank  Limited I.T Managers or I.T Director is at top of the I.T Department Hierarchy.

TheseMIS executives oversee the full range of MIS-related activities, including TransactionProcess ing  which   t radi t ional ly  accounts   for   the   la rges t share  of   the   informat ion  processing- as well as telecommunication, data administration, and end-user support.

Duties of MIS Personnel

They manage information inflow from start of any work to its final destinationand scrutinize all the information.

They generate report for a top manager e.g. is target matched or not? They securitize the systems that are already present for the

purpose of compliance of system in bank. I t   i s   m a d e   o n   M I S .   I n   i t   i n f o r m a t i o n   a b o u t  

e m p l o y e e s ,   h i s   s a l a r y allowances, deductions, provided fund, tax, net and gross salary is recorded andis given to employees in printed form.

Data Processing-Information Cycle

Both computer and human mind act as processors that select data and transform them into meaningful information.

Some of the types of informat ion tha t may be provided to dec is ionmakers after data are transformed into information by computers or some other kind of processing.

The format of the information received is often dictated by the needs and preferences of the decision makers.

All programs on a computer system can break down into two main categories:

Application software

System software

Application software

It includes user-oriented programs.

Application software includesthe programs, software packages, and tools needed for such specific, end-user-orientedtasks as billing, accounts receivable, word processing, payroll, database management.

Two main categories of application software exist.

1) General-purpose application software

It includes programs and packages that are beingused by workers in the organizations subunits such as word processing spreadsheets,database or file management, and presentation graphics.

These are more likely to be purchased externally than developed internally by the organization.

2) Special-purpose application software

It includes programs and packages that supportthe activities of workers in a particular subunit.

Accounting debiting and creditingent r ies , sof tware’s used in ATM’s, and payrol l a re usual ly ca l led Specia l -purpose software’s as these software’s have been developed for special purpose operations andhave to be custom made according to the organizations requirements.

This kind of software is being used by a limited number of users or subunits than are in general- purpose applications.

Recommendations about the IS

Even though Oracle has provided HBL with an extremely customized Information System to suit its business needs, the Financial Control Division feels that Oracle GL has not been modified enough to suit their needs according to their specific needs.

Thus one proposal that is notable and must be pointed out is that if the company purchases a new version of Oracle GL, it should be further customized in a better way with the specific needs of the Financial Control Division in mind.

System enhancements over time might also require to be carried out that could engage upgrading the server, storage and database systems.

The management should try to decrease job insecurity among theemployees.

Training program should be started for internees and newlyappointed employees.

There should be transport facility for the employees.

The number of employees should be increased in order todecrease theworkload.

The bank charges high service charges as compared to the otherbanks, so these should be lowered down.

Surveys must be conducted regarding customer satisfaction leveland all employees of this dept. should look forward to gettingfeedback wheneverpossible

Future Plans about the IS

As for the future plans of the Company concerning the information system, it seems that the company is satisfied with the system and willing to keep it. It will purchase new versions of the Oracle E-Business Suite as soon as they are released.

In the future, HBL also has extension plans and is projected to open branches and start operations in some foreign countries also. When that happens, a great deal more will need to be invested in the company’s information system and it would remain to be seen whether the company would continue using the current information system or switch to some other information system.

Conclusion

The Oracle E-Business Suite is a top of the line application software used by businesses around the world.

Oracle is a software company renowned for providing its customers with excellent software’s that provide fast, easy and efficient business information and support systems which play a vital part in operational running of a business and coming up with improved business solutions.

HBL aims to keep its business in line with the top banks and corporations of the country and therefore, it has chosen Oracle E-Business Suite as the application software that manages and supports its business applications. The Oracle GL has the important task of maintaining General Ledger Balances of the bank from around the country and generating reports and financial statements on a daily basis.

HBL is clearly the first choice of every one who believes in qualitativeapproach of banking an environment of highly responsible people.

Bank is enjoying a healthymarket share and taste of good status interms of its operative features and customer support.

HBL is clearlythe best bank operating in Pakistan.

Personal loan is a distinguished feature of HBL experiencing agood reputation and reasonable markup with respect to prevailingmarket mark up with assurance of satisfaction and support.

HBL hasmore customers as compare to other banks, if they give properattention to every customer then in few years it will be the leadingbank of thecountry.

References

www.Habib Bank limited Pakistan) http://www.virginia.edu/integratedsystem/howdoi/HTML/NAV3018U. http://thesisstation.com/thesis-introduction-habib-bank/