Documenti di Didattica
Documenti di Professioni
Documenti di Cultura
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
COMPETITORS:
MCB
Bank al Habib
National Bank of Pakistan
Bank Alfalah
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
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
Free Services
Cheque Book
Payment Orders
Statements of Account
ATM / Debit Card
Web Info & Tele info
Online Funds Transfer
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
Credit/Loan Facilities
Auto Financing
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%
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:
WEAKNESSES
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