Habib Bank Limited

Habib Bank Limited Reasons to join HBL for General Banking Operations Presented By; Syed Ali Abbas Kazmi Tammar David Hina Javaid Shahzad Bashier Syed Hassan Abbas

Introduction 

First commercial bank to be established in Pakistan



Over 1,450 branches across the country



Customer base exceeding five million



Presence in 25 countries



Expanding its presence in international markets

Key Areas  Product

offerings and services in Retail and Consumer Banking

 Largest

Corporate Banking portfolio in the country

 SME

and Agriculture lending programs and banking services are offered in urban and rural centers

Bank’s Rating  Currently  A-1+

(Short term)

 Balance

billion

 First

rated AA (Long term)

sheet size of over USD 11

Pakistani bank to raise Tier II Capital from external sources

HBL Vision “Enabling people to advance with Confidence & Success”

Mission To make, Our customers prosper; Our staffs excel, & create value for shareholders

Personal Overview 

Network of branches nationwide, from Karachi to Kashmir



H R of HBL after privatizing is mainly focused on staff which is confident to serve customers till the fine line



Special brand value that has a prestige within



Served the nation from the beginning

Contd. . .  Engrained  People  Honor

in the soil of the country

feel proud to be part of HBL

to be called a “Habibian”

Banking Structure

 Front

Offices

 Back

Offices

Front Offices  Corporate

Center

 Commercial  Retail

Center

Banking Group Branches

Back Offices 

Centralized Operations Processing Center, COPC



Regional Head Quarters, RHQ



Treasury



Foreign Trade, Central Processing Unit, CPU

Overview 

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



COPC, RHQ, Treasury and CPU are specialized department where the core banking is conducted. Specially trained staff with banking experience is hired for these jobs as this is the real banking departments

Branch Banking 

Challenging environment that encourages creativity and commitment



Developing and retaining the best talent in the marketplace



Fosters a work environment where employees can realize their potential



employees to achieve their professional goals while keeping in synch with the bank’s overall objectives

Departments in Branch Banking  General

Banking

 Foreign

Trade

 Credit

/ Advances

General Banking This is a day to day banking system, where the customer interaction is at large. All the banking transaction is routed via general banking whether they are related with trade or advances

Foreign Trade To facilitate business and customers who receive remittances from foreign countries and other foreign banking operations HBL has a foreign trade department in every branch

Credit & Advances Banks can’t keep the depositors money idle in their vaults, plus to encourage the business facilities in the country, credit facility is given to the customers

RBG Branches Structure Managers



–

Senior Manager (Branch Manager)

–

Operations Manager

–

Manager Trade

–

Manager Credit

Contd. . . 

Front Desk Officers – Customer Services Department  General Enquires  Basic Customer Services

– Cash Department

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

– Remittances & Clearing   

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

– Customer Relationship

 Account Opening and Operations  Bank Products

For a start, a graduate like us, we can’t get direct on managerial posts so we have applied for the General Banking operations

Customers Services Department The focus of banking in last 10 years has moved to customer services. This department is regulated by Service quality department of Head offices with its sub offices in RHQ It defines the strategies for the customer needs and demands. The main idea is customer satisfaction. The staff of this department is determined to give quality service to the customers.

Contd. . . Requirements 

Must have a impressing personality,



Confident enough to talk to any type of customer & Must cater customers bank related enquires



Have basic knowledge of all the Banking products and services



Excellent communication & Problem Solving Skills

Contd. . . Reasons to join the Customer Services Department 

Use service industry to raise the standard of banking system.



HBL emphasis on Customer Services and to maintain standards they have a service quality department.



With the support of HBL and my creativity, I will raise the standards of customer service level.



I have the right temperament and attitude to join the HBL as customer representative officer CRO



I consider myself to be best suited for this job.

Cash Department Cash department is considered to be the dirtiest department of retail banking If proper management is done and care is taken this department can be used for many things This is where every day customer interacts with the bank Cash counter can be used for cross selling of products too

Cash Officer 

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



The program involves an extensive one-month training period based on branch banking operations before placement in the branches.



Energetic and focused graduates from HEC recognized institutions with good communication and interpersonal skills qualify for Cash Officers Program.



HBL Cash department includes Teller, Utility Bills Collection, CMD (Cash Management Division) and collection agent. Banks earns handsome commission through CMD and caters many corporate clients.

Contd. . . Requirements 

Confident enough to talk to any type of customer & Must cater customers bank related enquires



Have basic knowledge of all the Banking products and services



Excellent communication & Problem Solving Skills



Must be Graduate from HEC Recognized University

Contd. . . Reasons to Join Cash Department 

Pakistan has a high volume of Cash transactions



Cash Department has weird image, which can be changed through a change in the staff of the department.



I feel I can better serve HBL as a Cash Officer and prove my self profitable for the bank



Cash Department is compulsory part of Banking in Pakistan and to learn it I must become part of it.

Remittances & Clearing Now banking has come into a new world, as the business volume increases the banking needs are changed too so the role of remittances increased. The number of banks have also increased and volume of online and inter bank transactions have also increased to a high number. This department has following sections. – – –

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

Contd. . . Requirements 

Must be a Masters Degree Holder



Understanding of Online Communication and Banking Software’s



Confident enough to talk to any type of customer & must cater customers bank related enquires



Have basic knowledge of all the Banking products and services



Excellent communication & Problem Solving Skill

Contd. . . Reasons to join Remittances & Clearing 

Online Banking is the Future of Banking



Fascinated of Fast and Dynamic Banking



Latest Technologies & Secured / Fool Proofed Banking



Chances to excel and improvement & Extreme Learning

Customer Relationship 

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



For this HBL has a spent a lot of attention on training of staff and quality of staff. It is a very prestigious yet very responsible seat of general banking.



This is where the relationship starts and the bank starts serving. Proper verification and vigilance is required. No area must be left unchecked

Contd. . . Requirements 

Must Be Masters in Banking



Have Knowledge about Banking Laws and operations



Ability to talk to different type of customers, Corporate and Commercial



Problem Solving and Decision making Powers



Trustable Personality

Contd. . . Reasons to join Customer Relationship 

I don’t feel my self just a banker but a relationship manager.



This will give a kick start to my carrier towards managerial seats



Simply, I am best suited for this job

Five Years From now. . . 

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



The changed brought in will be reflected when we the officers will turn into frontline managers.



HBL will continue to grow its structure of business and in true meanings. . .

o make, our customers prosper, our staffs excel, & create value for shareholders