Assignment#2 Intro To Software Engineering

HABIB BANK LIMITED

INTRODUCTION:
HBL (formerly Habib Bank Limited) now referred to as HBL Pakistan is
a Karachi based multinational bank. It is the largest bank by assets in Pakistan. HBL was the first
commercial bank to be established in Pakistan in 1947. Over the years, HBL has grown its
branch network and maintained its position as the largest private sector bank with over 1,700
branches and 2,000 ATMs globally and a customer base exceeding ten million relationships.

The Government of Pakistan privatized HBL in 2004 through which AKFED acquired 51% of the
Bank's shareholding and the management control. The remaining 41.5% shareholding by the
Government of Pakistan was divested in April 2015. AKFED continues to retain 51%
shareholding in HBL while the remaining shareholding is held by individuals, local and foreign
institutions and funds including CDC Group Plc which holds 5% and International Finance
Corporation which holds 3%.

With a global presence in over 25 countries spanning across four continents, 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.

The key areas of operations encompass product offerings and services in Retail and Consumer
Banking. HBL also 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 centers.

Analysis:
Vision:To be a quality financial service provider maintaining the highest standards in banking
practices.

Mission: To be recognized as the leading financial institution of Pakistan and a vibrant

international bank in the promising markets, providing our customers with a best set
of original products and services, and granting superior values to our stakeholders
shareholders, customers and employee Bank.
al habib was incorporated as a Public Limited company in October 1991Started
banking operations in 1992
In 2005,Bank Al Habib began offering internet banking
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In 2006,Bank Al Habib became with Master card.

Objectives:
The banks main aim is to provide better and efficient services to its domestic and efficient
customers and overseas customer regarding the need for improving the financial
performance of the company .Next are some of the main objectives of HBL
. To get profit for the Bank itself and maximize its shareholders value.
To offer solutions for multiple requirements of clients of assorted financial nature.
To cope with the changing trends of the modern day financial market.

Culture of Innovation:
HBL aims to be proactively responsive to new ideas, and to respect and reward the agents,
leaders and creators of change.

Strengths:
The staff of the bank is skilled, well trained and competent.
HBL is having Centralized decision making.
HBL is the Pioneer in introducing the ATM in the country and are widely used in the business
transactions.
HBL is the fourth largest bank in Pakistan, having 1449 branches divided in to19 regions.
HBL is having extensive branch network throughout the country .it has now680
online branches in Pakistan.
The reserves of bank are higher.
Employees are the valuable assets of HBL.
HBL has the fastest mode of home remittance of 3 days.
HBL provide courteous services to its customers.
Every 10thPakistani is the account holder of HBL.
I h a v e a l s o o b s e r v e d t h a t t h e e m p l o y e e s o f t h e b a n k a r e d e a l i n g w i t h
t h e i r clients so friendly as if it is their own problem.

Weaknesses:
Marketing department of HBL is not so effective.

STRATEGIC MANAGEMENT:
Bad debt rate is very high.
Poor system of recovery.
Sense of insecurity in employees due to downsizing.
HBL has become victim of political, legal and social cultural pressure.
Employees are not satisfied due to unfair promotion system. There is not aright criterion for
promotion; many vacancies are filled at approach basis.
Advances of HBL are also very low with respect to its competitors.
Non popularity of travelers cheques, deposits of having a large network of branches.

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Administrative cost is very high.

Employees have lethargic attitude especially in main branches.
Opportunities:
IT can establish their branches online.
Bank can open more branches in foreign countries in order to make it more stable and strong.
HBL is the oldest bank in the country; people can rely on that bank.
The presence of more technical and professional staff can help the bank in making progress
especially in marketing department.
Although ATM and online banking has started but can be make more effective by applying its
own ATM network.
Steps should be taken to increases banks deposits and as these are less than another
competing banks such policies should be adopted to attract customers and the rate of deposit
can increased.
There is an opportunity to open an entirely separate section for ladies which is a new idea and
will attract female customers.
HBL has also an opportunity to expand its tale banking and internet banking facilities in order
to serve the customer more efficiently.

Threats:
Profit is becoming low due to higher cost.
Poor policies of HBL as compare to other banks are also a threat for HBL.
Financial environment is changing day to day, new technologies are introduced by foreign
banks that provide customer efficient and quick service.
Due to low entry barriers, there are more competitors, so the global competition has
increased.

STRATEGIC MANAGEMENT:

Branches are not paying sufficient role in competition due to manual system.
Because of unfair promotion system and absence of proper and
recruitmenttechniques competent persons may move to other banks.
The working condition and the outlook of the building can be a threat for HBL.
Growing global technological advancement.
Loss of confidence of overseas customers due to freezing of accounts.

This analysis makes the managers aware of the organizations external an

d internal affairs and helps them to grip opportunities and exploits the resources.
Strengths

An old and well established organization

Customers are loyal
29Identify the organizations mission, goal sand strategies External Analysis
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Opportunity threats
Implement strategies Evaluate Internal Analysis
Strengths weakness
Formulate strategies

STRATEGIC MANAGEMENT
It is a well known organization.
Good reputation

Weakness

Organization is quite behind in the field of IT. Its employees lack IT knowledge.

Out of 1400 branches only 600 branches provide online banking facility.

Overstaffing is serious problem for the organization.

Threads
Other banks have high and new IT technology.

Other banks offer different valuable packages to the customers.

Opportunities

Our Internship Program offers promising students with

t h e e x c i t i n g opportunity to apply their classroom learning experience
to real life corporate assignments.

HBL provide good opportunities for the employees in develo

p i n g t h e i r careers.

HBL is an organization that provides opportunities for

i t s s t a f f t o h a v e a challenging and rewarding long-term career.

CONCLUSION
HBL is clearly the first choice of everyone who believes in qualitative approach
of banking. It pertains environment of highly responsible workforce. Bank is enjoying a healthy
market share and taste of good status in terms of its operative features and customer
support. HBL is experiencing a good reputation and reasonable mark
upw i t h r e s p e c t t o p r e v a i l i n g m a r k e t m a r k u p w i t h a s s u r a n c e o f s a t i
s f a c t i o n a n d support.

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SRS Model:
Srs model contain both the functional and non functional requirements.

Values

HBLs values are the fundamental principles that define its culture and are brought to
life in its attitudes and behavior. It is companys values that make its unique
and unmistakable. Company values are defined below:
Excellence:
This is at the core of everything HBL does. The markets in which
HBLo p e r a t e s a r e b e c o m i n g i n c r e a s i n g l y c o m p e t i t i v e , g i v i n g t h e
i r c u s t o m e r s a n abundance of choice. Only through being the very best - in terms
of the service HBL offers, its products and premises - can it hope to be successful and
grow.
Customer focus:
HBL understands fully the needs of its customers and adapts its products and
services to meet these. HBL always strives to put the satisfaction of its customers first.
Progressiveness
: HBL believes in the advancement of society throu
g h t h e adoption of enlightened working practices, innovative new products and
processes,and a spirit of enterprise.
Humility:
HBL encourages a culture of mutual respect and treat both our team members and
customers with humility and care.
Integrity:
For HBL, integrity means a synergic approach towards abiding our c
o r e v a l u e s . United with the force of shared values and integrity, HBL employees form
a network of a well-integrated team.
Meritocracy:
At HBL on every level, from selection to advancement, leadership has
designed
ac o n s i s t e n t s y s t e m o f h u m a n r e s o u r c e p r a c t i c e s , b a s e d o n o b j
e c t i v e c r i t e r i a throughout all the layers of the organization. They are, therefore,
able to achieve as pecific level of performance at every layer of the organization.
Team Work:
HBLs team strives to become a cohesive and unified force, to offer
customers a level of service beyond expectations. This force is derived from
participative and collective endeavors, a common set of goals and a spirit to share
the glory and the strength to face failures together.

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ERD Diagram:

Hierarchy Diagram:

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