S ay T h a n k s t o

Sir Prof. Muhammad Saleem Mirrani

Sb.

Group Members
Sadia Ghaffar
Nasir Mahmood
Ali Akbar

To p i c t o C o v e r

Introduction
Vision and Mission
Organization structure
Shariha Advisor
Products and services
SWOT Analysis
Recommendation

Historical Background
It is subsidiary bank of A G zurich, a Group of
HBZs related in commerce and banking 160
years first the incorporate HMZs in 1967 in
switerland Group also operates in Hong Kong,
Singapore, United Arab Emirates, Kenya, South
Africa, United Kingdom and North America.
Habib Metropolitan Bank Limit The bank
commenced full scheduled commercial banking
operations in October 1992
Habib Metropolitan Bank, from October 1992 to
September 2006, remained a highly rated bank

Introduction
Metropolitan Bank, from October
1992 to September 2006, remained a
highly rated bank and, vide its
nationwide 51-branch on-line network
Rank top 10 in Pakistan primary focus
on retail banking and trade-finance
PACRA give rating HMB AA+ in long
run crediting & in short term
crediting A1+

Our Vision
Based on a foundation of trust, to be the
most respected financial institution,
delighting customers with excellence,
enjoying the loyalty of a dedicated team,
meeting the expectations of regulators and
participating in social causes while
providing superior returns to shareholders

Our Mission
"The Mission of the Habib metropolitan
Bank is to foster a sound economic
and financial environment which
promotes the development of its
stakeholders and encourages a
culture of excellence and leadership."

Organizational Structure
Branch
Manager

Operation
al
Manager
cash
manageme
nt officer

Accou
nt
officer
Cashi
er
Teller

Credit
Manager

Credit
offcer

Sales
departme
nt
Customer
care
departmen
t

Asset
Custody
departm
ent

Corporate Information:
Board of Directors

Chairman & President

Kassim Parekh
Chief Executive
Anjum Iqbal
Directors
Muhammad H.Habib
Raza S. Habib
Bashir Ali Muhammad
Anwar H. J apanwala
Ronaid V. Emerson
Firasat Ali
Mohamedali R. Habib (Executive Director)
Audit Committee
Reza S. Habib
Kassim Parekh
Mohamedali R. Habib
Company Secretary
Muhammad Imran

COMPETITORS:

Arif Habib Bank

MCB

Bank al Habib
National Bank of Pakistan

Bank Alfalah

Standard Chartered Bank

Produc
ts
DEPOSIT ACCOUNTS
1. HMB
1.Current
account
2.Super
Current
Account

Saving
Account
2.
PLS
Saving
Account
with( Free Life
Insurance)
3. HMB
Premium
Deposit
Scheme
4. HMB
Mahana
Scheme

Further
accounts

Basic
Banking
Account
HMB Call
Account
HMB
Multiplier
Account

Loans
Schem
e

HMB
Education
Loans
HMB
Personal
Loans
HMB Auto
Finance

HMB Current Account

The minimum amount required to open the account is Rs
5,000/ Minimum balance to maintain in the account is Rs 1,000/ This is a checking account with no limit on the number of
transactions
No profit is paid in this account
There are no deduction of Zakat
Free Services
Cheque Book(s)
Statement of Account
HMB ATM / Debit Card
Web info & Tele info Services
Pay Order

Super Current Account

: HMB Super Current Account
The minimum amount required for opening and maintaining this account
is Rs. 100,000/ This is a current account, which can be operated from any HMB branch
nationwide.
Cheques are acceptable at all HMB branches across Pakistan..
No deduction of Zakat or any levies on this account.

Free Services
Cheque Book
Payment Orders
Statements of Account
ATM / Debit Card
Web Info & Tele info
Online Funds Transfer

Rent Free Lockers

HMB Saving Account

The minimum amount to open and maintain this account is Rs. 1,000/-.
The minimum amount to maintain this account is Rs. 500/-.
Free life Insurance cover.
The minimum qualifying average balance for Life Insurance is Rs.
15,000/-.
The maximum sum assured is Rs. 1,000,000/ Provide you profit on it rate annually 9%
Zakat deducted

Free Services
Cheque Book(s)
Statement of Account
HMB ATM / Debit Card
Web info & Tele info Services
Pay Order

HMB Saving Plus Account

Eligibility : Individuals Only

Initial Deposit : Rs. 25,000/Indicative profit rates
Profit payment basis : Minimum balance during a month
Profit payment frequency : Quarterly Basis

Free Services
Cheque Book
Payment Orders
Statements of Account
ATM / Debit Card
Web Info & Tele info
Online Funds Transfer

HMB Multiplier Account

The minimum amount required to open and maintain the account is Rs. 1
Million.
Profit is accrued on a DAILY product basis and credited to your account
monthly.
Accrual of Profit is on balance of Rs. 1 Million and above.
In case balance of Rs. 1 Million not maintained for any day profit will be paid @
5.00% p.a.

Free Services:
Cheque Book(s)
Statement of Account
HMB ATM / Debit Card
Stop payment of Cheques
Pay Order
Web info & Tele info Services
-free locker

HMB Premium Deposit Scheme:

HMB now offers yet another highly attractive investment opportunity

for our valued account holders. HMB Premium Deposit Scheme offers profit
rates up to 12.35% per annum. You may deposit your funds for 1, 3 & 5
years, with quarterly and half yearly profit payment options to suit your
need.
Who can avail this Opportunity?
There are no restrictions as to the eligibility of depositors and the scheme
is open for any investors / account holder.

Indicative Profit Rates:

On a deposit of Rs. 100,000/- the profit will be paid as under.

Tenor Quarterly Profit

Half Yearly profit
Rate p.a
Amount (Rs)
Rate p.a Amount (Rs)
1 Year 12.00% 3,000
12.20%
6,100
3 Year 12.20% 3,050
12.30%
6,150
5 Year 12.30% 3,075
12.35%
6,175

Basic Banking Account

Account Opening with Rs. 1,000/ No minimum balance required.
First cheque book of 25 leaves issued free of charge.
Additional cheque book(s) at Rs. 100/- per book.
No limit on number of ATM / Deposit transactions.
Two cheque transactions will be allowed free per calendar
month. Charge of Rs. 25/- per cheque will be applied from
the third cheque onwards.
Free Services
ATM / Debit Card
Web Info & Tele info
Yearly statement of account
Online Funds Transfer

HMB Call Account

Placements can be made in Rs 100,000.

Account can be linked to any of the regular accounts.
A profit earning account.
Funds can be placed overnight
Funds can be transferred to and from the account overnight for
placements.
Free Services
Cheque Book(s)
Statement of Account
HMB ATM / Debit Card
Stop payment of Cheques
Pay Order
Web info & Tele info Services

Credit/Loan Facilities

HMB Education Loans

Financing for Education Loans are available for
Graduation
Post Graduation
PHD
Diploma courses
Financing for Tuition fee, Books and materials.
A Markup is charged at concessional rate.
There is No processing fee.
Convenient repayment options are offered.
The Tenor is from 6 to 60 months
HMB Personal Loans
Clean loans are offered up to Rs. 500,000/- .
A Processing Fee of 1% of the loan amount or Rs. 2,000/- is charged,
which ever is higher

Auto Financing

: Habib Auto Financing

HMB Auto Finance is available up to Rs. 3 Million.
Minimum Down Payment is 15% of the total amount.
Processing Fee is Rs. 4,000/-.
Vehicle to be registered in the name of Bank first time

Habib Auto Leasing

HMB Auto Leasing is offered to all our Commercial & Corporate Clients.
Minimum down Payment is as low as 10% of the total amount.
Auto lease limit depends on the strength of the Companys financials
and credit checks.
A Processing fee is charged at 0.5% of the Lease amount.
The Vehicle is to be registered in the name of the Bank
The Insurance cost to be borne by the customer.

HMB MAKRO Prepaid Cards

HMB and Makro Co-branded Prepaid
Cards: Convenient, Secure and
Effective.HMB and Makro-Habib
Pakistan have together launched a
prepaid card program. As you are
already aware, Makro is one of the
leading international chains of
wholesale stores in the world.

Credit Cards
Prepaid Gift card:
The Gift card has a fixed value of Rs 1,000 and is a disposable card.
Available at all Makro stores;

for purchases over Rs 10,000, please visit nearest HMB branch in Karachi & Lahore.Provides well-structured,
hassle-free solutions to your home or business for extending benefits to your employees.
These benefits may be part of their monthly wages, payrolls or periodic bonuses.
Gift card is most ideal to channel your social contributions to the underprivileged by eliminating the risk of any
misuse. Tax and charges 5%

Prepaid Shopping card:

The Shopping Card carries value of Rs 10,000 which can go up to Rs 250,000
This is a multiple-use, reload able card.
Carries great benefit for your family or business to make daily/periodic purchases with no risk of cash losses or
misuse.
Chaarges 9%

Life time Premium Gold and Silver Cards

Gold premium upto 100000 to 199999 10% after this amount it charged 14% overdraft
Silver card 50000 to 999999 11% after this 14%

Services
Cash Management Services
E-Salary
24 Hours Call Center
HMB Rent Free Lockers
HMB Tele Info Service
Dial0800 HABIB / 0800 4224
Online Banking
Short Term and Long Term Finance

SWOT Analysis

STRENGTHS:

Large capital base.

Rank in top 10 bank of Pakistan.
Continuous growth in ROE.
The banks management realizes the necessity of existence of effective
internal controls to ensure smooth operations in the current technical
environment.
Loyal management.
The bank has efficient and experienced management.
Credit rating in long-term AA+ and in the short term A1+.
The financial statements, prepared by the management of the bank present
fairly the state of affairs.
Loans are given only to known, reputable clients to avoid chances of fraud.
Very low nonperforming loan.
Bank is continuously focusing on developing new and innovative products to
attract their target market.
Strong customer relationship.
Asset utilization is very good.

WEAKNESSES

Only valued client is important.

Advertisement on electronic media has not been seen.
Compromises upon polices to keep customers happy.
Old Management. (No creativity)
No further growth in branches.
Majority of shares are owned by the one family.
Low consumer finance.
Less job satisfaction of employees.
Customers facing problem of NADRA verification while opening
their accounts because its process is time consuming.
Promoting generally on seniority basis.
Attitude of senior manager at head office has to change
towards junior staff.

OPPORTUNITIES
Scope in Islamic Banking.
To go global fully
Should emphasize much on e-banking. Profit margin
will be good.
Bank introduces Islamic banking in country that
attracts large number of people.
Greater profitability can be achieved through strong
internal control.
New schemes for deposits and finances should be
introduced regularly.
Opportunity to open branch in ruler area to increase
its branch network and gain more profit.

THREATS
Adverse impact of Credit Crisis can badly effect on HMB.
Facing a strong competition by its competitors. High
reliability on only one market segment i.e. Textile. (54%)
Inconsistency in government policies.
Increasing competition in the banking sector. Entry of
many foreign banks.
Strict policies of the State Bank of Pakistan.
Political instability.
Rising deposit rates.
Foreign banks in market having more marketing budgets.
People losing trust in banks.

RECOMMENDATIONS

Introduction of new products/services in the market

Hire new management

Give importance to all customers

Increase the branches all over the country

Improve standard of banking

Start advertisement as soon as possible