Habib Bank Limited
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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
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
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