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N A S E E M
Q A I S E R
SUMITTED BY:
M U H A M M A D
H A S S A N
A L I
F A I S A L
M A S O O D
H A M M A D
HABIB BANK
LTD
EMAILS:
faisy.qureshi@gmail.com
hassan.hammad85@yahoo.com
ACKNOWLEDGEMENT
In the name of Allah the praiseworthy, the passionate whose blessings
made itpossible for us to complete this complex and painful task. It is a matter of
greatenthusiasm and pleasure for us to complete a report in its real sequence. It is
allbecause of Almighty Allahs great guidance that made us so able.We are
cordially thankful to our respected Teacher Mr. Muhammad Naseem Qaiser
who provided us an opportunity to prepare this Project report and
whoseb e n e v o l e n t g u i d a n c e i n d i s c o u r s e a n d c o n s t a n t e n c o u r a g e m e
n t h e l p e d u s t o complete this project.
INTRODUCTION
VISION STATEMENT
Enabling people to advance with confidence and success
MISSION STATEMENT
INTRODUCTION OF HBL
Karachi. It was nationalized in 1974, butrecently on 26th February 2004 it has been
privatized byGovernment of Pakistan and is taken over by Aga Khan Fund forEconomic
largest Banks of Pakistan with 1439 branchesand having total assets of Rs.434,931,930,000.
History OF HABIB BANK
HBL at its present state has a long and rich history of deeds
a n d sacrifices. All this has
functioning on 30th
August,1 9 4 1 a t M u h a m m a d A l i R o a d B o m b a y , w h e r e Q u a i d e - A z a m Muhammad Ali Jinnah first of all opened his personal
a c c o u n t . Mohammad Ali Habib
ordinary capabilities. He wasdevoted to his Bank with a view to take his share in the
the Bank's total paid up capital was Rs.2.5 million but it isevident from the following
data that the Bank experienced a steep rise in the business in a few years. In 1942, on
thedesire of Quaid-e-Azam, Habib family migrated to Pakistan and lateron shifted the
independence, to play its pivotalrole in the development of this newly born country.At
the time of independence, the areas, which now constitutePakistan, were producing only
there to
processt h e r a w m a t e r i a l , t h e r e f o r e t h e r a w m a t e r i a l w a s e x p o r t e d f r o m P a k
istan.There were 19 non-Indian foreign Banks which
w e r e engaged in the export of crops from
circumstances werec o m p l e t e l y u n - c e r t a i n . T h e c o n f i d e n c e o f t h e
p e o p l e h a d b e e n shaken
by the un-friendly environment and till the time peace hadnot been restored, people
would naturally have been interested inother things. The nation was quite young
with
extreme scarcity of resources and these definitely added to the difficulties of the govt.,
tor u n i t s o w n B a n k i n g s y s t e m i m m e d i a t e l y . F o l l o
w i n g t h e announcement of the
bring a total collapse of the new state. It had been decided that the Reserve Bank of
Indiawould continue to function in Pakistan so that the problem of demand
Management Information Systems
5
coinage, currencies, exchange rate etc be settledbetween India and Pakistan and the
Indian Notes would continue tobe legal tender in Pakistan till 30th September,
1948.
Again due
toc e r t a i n d i f f e r e n c e s b e t w e e n I n d i a n P a k i s t a n , t h e I n d i a n G o v t . , with
held
r a t e o f interest, even before the actual issue of securities.At a time when this newly born
country was at whirlwind of crises, it was HBL which fulfilled generously the financial
needs of allits sectors, paid salaries to the employees of all Govt. departments,helped in
establishment of State Bank of Pakistan, which the Quaid-e-Azam inaugurated on
July1s,1948. HBL after partition opened its branches throughout Pakistanto provide
finance and other facilities to the business community. Inassociation with HBL, the
Govt. sponsored Pakistan Finance Corporation Limited for financing of cotton.
TheBank helped handsomely in the construction of WARSAK DAM PROJECT,
WAPDA,& K.D.A. by provided finance and other facilities. Another innovation
introduced byHBL is the evening Banking cash long after the crossing of normal
Banking hours. Itwas also the first in making available such new facilities as Gift
Cheques, RupeeTravelers Cheques, Credit Card System, short term and long term
schemes for small businessmen.
Products & Services:
To d a y , H B L h a s m o r e t h a n 1 , 7 0 0 b r a n c h e s a l l o v e r Pa k i s t a n a n d
p r e s e n c e i n 2 6 countries across fi ve continents. With a revamped
customer oriented philosophy, weare pursuing new avenues of leadership
through innovation, as we gear up to face thechallenges of the new
millennium. Many of the banks schemes have gained national and
international as valuable contributors to field of banking.
School Banking
Mobile Banking
Computer Service
Computer Accounts
Scholarship Awards
System:
Information is the life blood of an organization. Managers depend uponaccurate acc
essible and useful information, this requires the information system to
beresponsive to their unique information needs, to empower them to think and
actstrategically ,develop effective plans, and make decisions that increase their own
andtheir organizations competitiveness.Today, largely through advances in
computer and communications technology,we are living at a time that many people
call the
information age.
One major
reasonour era is named so is because most working people today have jobs that are
information intensive. For example, jobs such as
teaching, accounting, retailing andmanaging
are all predominantly based on the handling of information. This
emphasisdiffers from that of the earlier decades, in which most jobs involved some
type of physical labor applied on farms andfactories.
Data
versus
Information:
Many people use theterms
data
and
information
synonymously. However theres a distinct and important
Management Information Systems
VICE PRESIDENTSASSISTANT VICE PRESIDENTSGRADE ONE(I) OFFICERSGRADE
TWO(II) OFFICERS
shown abovei l l u s t r a t e s th i s . S o m e o f t h e t y p e s o f
i n f o rm a t i o n t h a t m a y b e p ro v i d e d t o d e c i s i o n makers
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
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.
General-purpose application software
includes programs and packages that are beingused by workers
in the organizations subunits such as word processing
spreadsheets,database or fi le management, and
presentation graphics. These are more likely to be purchased
externally than developed internally by the organization.
Special-purpose application software
includes programs and packages that supportthe activities
of workers in a particular subunit. Accounting debiting and
creditinge n t r i e s , s o ft w a re s u s e d i n AT M s , a n d p a y ro l l
a re u s u a l l y c a l l e d S p e c i a l - p u r p o s e softwares as these
softwares have been developed for special purpose operations
Gives the data about the customTPS makes day to day reports
e.g. it manages the double entry system. For
accountingdepartment two types of reports are generated in it.
Detailed Report:
It is a full and computerized report of the transaction passed for
the day. It records:
Time
Name of customer
His address
Limit of loan which bank can give
CPUs
Monitors
Fax
Scanners
Printers
Keyboards
Mouse.
International Banking
Retail Banking
Treasury
Corporate
Global & Overseas bankingHow ever this report is going to focus on Retail
Banking of Habib Bank, however corporate Banking in which DSS and ESS is
used has also been discussed.
information
ResourceManagement (IRM):
a concept that recognizes information as a key resource
thatshould (as should any vital resource) be properly
managed. Other fi elds 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 organizations 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 and
implementation of System Development Life Cycle also is
done by the InformationS y s t e m M a n a g e r. Fo l l o w i n g a re
t h e j o b t i t l e s o f p e o p l e w h o i n t e r a c t d i re c t l y
w i t h managers 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 to ensure 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 banks 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:
S y s t e m A n a l y s t s a re t h e t e c h n o l o g y p ro f e s s i o n a l s c h a r
g e d w i t h a n a l y z i n g , 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, maintenance programmers, and
systems programmers.
Application Programmers:
At t h e t o p o f t h e c o m p u t er h i e r a rc h y a re M I S
exe c u t i v e s . I n H a b i b B a n k 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
TransactionPro c e s s i n g w h i c h tr a d i t i o n a l l y a c c o u n t s f o r th
e l a rg e s t s h a re o f t h e i n f o rm a t i o n 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.
Audit:
They securitize the systems that are already present for
the purpose of compliance of system in bank.
Payrolls:
It is made on MIS. In it information about employe
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.
Communication:
(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
SUPPORTING SOFTWARES:
HBL uses following supporting software through them
are performing therework daily and that are:
MS WORD
MS EXCEL
MS POWER POINT
MS ACCESS
MANAGEMENT SYSTEM:
Database management system is a collection of software that has
been designedto provide a systematic and fl exible approach
to organizing and access to data thatcould possibly exist as
separate files in database management all of the Information
is p u t i n t o a c e n t r a l d a t a b a s e a n d o n l y o n e p ro g r a m o r
fi l e e n t r y i s re q u i re d . W h e n
a c u s t o m e r m a ke s a n e n q u i r y a l l th e c h e c k i n g , s a v i n g s
a n d l o a n d a t a a re i n s t a n t l y available.DBMS has not yet
been fully implemented in Habib Bank and will be usedwhen
web-access is made. It is used for references only and soft
copies are made for example a credit database may include:
Name
Location
expiry/tenure
securities
sort of finance
DATA MANAGEMENT:
Managerial decision making is likely to be more effective when managers
areable to quickly access the data they need on demand. Most of the other
databases datahas been stored on computer-files and databases. These databases
include:
Customer/client databases
Employee databases
Accounting databases
Credit databasesD a t a h a s b e e n p h y s i c a l l y s t o r e d o n a v a r i e t y o f
m e d i a , i n c l u d i n g m a g n e t i c d i s k s , 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;
quickly edit and modify stored data and make backup copies
In HABIB BANK all the data is directly stored in head office.
S i mp l e a p p l i c a t i o n s o f t w a r e i s b e i n g u s i n g t o c o n t r o l , c r e a t e a n d
m a n a g e database..
FILE BASED
MANAGEMENT SYSTEM:
File processing refers to an environment in which data is physically
organizedinto files (collection of related records). The file processing
environment is linked tothe specific application programs that are being
used in the organization. These dataand files are shared by many application
programs. Although file management is donemanually as files on the computer
cannot be manually signed, but files are also createdon computer for record and
references. Files made on FMBS include:
Basic borrowers fact sheet (personal & professional record)
Correspondent Files
H a b i b b a n k u s e s a fi l e p ro c e s s i n g s y st e m w i t h
d i ff e re n t c u s t o m e r fi l e s f o r example: checking, savings
and loans. Often, customers call the bank questions
ons e v er a l o f t h e i r a c c o u n t s . S e r v i c e re p re s e n t a t i v e h a s
t o g o t h ro u g h t h e f o l l o w i n g procedure:
Leave program
p o s i t i o n s . A l l t h e w o r k s t a t i o n s w i th i n th e B a n k a re
c o n n e c t e d through Local Area Network (LAN).The bank has
over
101
b r a n c h e s a l l o v e r t h e country which have been linked through
Microwave or Phone lines, Satellites and mostof the connections
have been provided by PTCL.
CONNECTIVITY:
Parallel.Microwave or Phone lines.VIA-satellite.
ROUTERS:
Model RA 46-40 (Red line)
Switches:
Model S3000-S3500
Power cable:
PABX for VOIPFiber Cable
As we elaborate on Information System or Manag
e m e n t I n f o r m a t i o n System (MIS) we will discuss the
many sub-systems that make up a ManagementInformation
System (MIS) these are:
Before any MIS is discussed here it is to be made clear that
computer is only
a part of Information System or Management Infor
m a t i o n S y s t e m ( M I S ) . T h e i n f o rm a t i o n s y s t e m m a y b e
c o m p u t e r b a s e d o r m a n u a l b o t h h a v e to b e t a ke n
i n t o account while discussing a Management Information System
(MIS)
ONLINE PRESENCE
HABIB BANK has online presence. We can get data from the web.
And alsodiscussed our problems through mail.
www.mail hbl.com
is HBL mailing site.U can easily communicate with HBL
management on website. & also submitted your Problems.
www.hbl.com.pk
is hbl website.
ONLINE FACILITIES:
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).
In order to protect from any unauthorized access into the system, the
softwarethat is being hacked from outside and is said to be fool proof.
I n or d e r t o p r o t e c t t h e d a t a , b a c k u p s a r e u s e d , f o r b a c k u p H a b i b
B a n k u s e s floppies, every day backup is done and these floppies are
transported to thenearest 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.
C h e q u e / C a s h Ac c e p t a n c e, w h e re t h e AT M a c c e p t s a n d r
e c o g i n s e c h e q u e s and/or currency without using envelopes
O n - d e m a n d p r i n t i n g o f " i t e m s o f v a l u e " ( s u ch a s m o v i e
t i c ke t s , Tr a v e l l e r s Cheques, etc.)
Customer-specific advertising
Contingency Plans
Contingent plans are used to protect the hardware data.If any
problemoccurs in the hardware system then there will be no
difficulty for the data. It means that protect data in the hardware
system.
Storage Devices
Daily Basis.
Weekly Basis.
Monthly Basis.
CONCLUSION
market share and taste of good status interms of its operative features
and customer
R E C O M M E N D A T I O N S
MUHAMMAD ASAD.
CELL#
+92-3015554442.+92-3215554442.
Websites:
www.hbl.com
.
pk www.wekipedia.comwww.google.com
Email:
ASAD-INFO@YAHOO.COM
Fax:
111-333-900