3. INTRODUCTION TO HBL
HBL was established in Bombay in 1941
Established operations as the commercial
bank in, Pakistan in 1947
First international branch was established
in Colombo, Sri Lanka in 1951
It was the 1st
Muslim bank of the sub
continent
It was nationalized in 1974
It was privatized again in 2004
4. INTRODUCTIN TO HBL (cont’d)
It is one of the largest banks of Pakistan
1466 branches inside country
112 overseas offices in 25 countries
AKFED acquired 51% of shares of HBL,
against an investment of PKR 22.409
billion.
HBL awarded best bank of the year 2009
5. Abdus Salam
Enabling people to
advance with
confidence and
success
To make our
customers prosper,
our staff excel and
create value for
shareholder
•Excellence
• Integrity
• Progressiveness
•Meritocracy
•Customer focus
6. PRODUCTS Of HBL
Different products are segmented by
ages,needs,wants and customer’s satisfaction. These
products are as follows:
1. DEPOSIT ACCOUNT
Current Account.
Foreign Currency Account
PLS Account
Term Deposit Account
HBL Freedom Account
HBL Business Value Account
7. PRODUCTS Of HBL (cont’d)
HBL Advantage Account
HBL Value Account
Daily Munafa Account
2.HBL ID
3.Money Club
4.Personal Loan
5.HBL Easy Loan
6.Credit Card
7.Debit Card
8. PRODUCTS Of HBL (cont’d)
8.HBL Car To Car
9.HBL Small Business Finance
10.HBL Easy Access
11.Internet Banking
12.Phone Banking
13.Mobile Banking
14.Prestige Banking
9. PRODUCTS Of HBL (cont’d)
15.Housing Finance
16.Lifestyle
OTHER PRODUCTS:
17.Dollar Traveler cheque
18.Deposit Growth Certificate
19.Special Five Years Certificate
20.Haj Accidental Scheme
10. PRODUCTS Of HBL (cont’d)
21.Auto Cash Teller Cheque
22.Transport Finance Scheme
23.Haryali Farm Transport Scheme
25.Muhafiz Rupee Traveler Cheque
26.HBL I card As Your Debit Card
27.HBL Fast Transfer
28.SWIFT
11. TERM DEPOSIT ACCOUNT
Term account is for meet your daily banking needs.
Account Opening Amount: No charges
Minimum Deposit: Rs.25,000
Maturity Rate: After 3months,6months,1year
Interest Rate: 7%, 7.50%, 10.25%
Features:
• Free cheque books and ATM cards.
• Free Account statements
12. CURRENT ACCOUNT
This type of account is made for the business current
deposits to meet your daily banking needs.
Account Opening Amount: Rs.1,000
Minimum Deposit: Rs.5,000
Maturity Rate: NIL
Interest Rate: NIL
Features:
• No profit and loss on this account
13. FOREIGN CURRENCY ACCOUNT
Offered in multiple currencies.
Account Opening Amount:1,000$, 1,800 €
Minimum Deposit: 1,000$ OR €
Interest Rate: min 0.1 and max 0.90
Features:
• Loan up to 90%
14. SAVING ACCOUNT
HBL’s saving account cater to individual saving habits.
After the Islamlization of banking system in the
country it has given the name as PLS account.
Account Opening Amount: Rs.100
Minimum Deposit: Rs.20,000
Maturity Rate: NIL
Interest Rate: 5.06% annually
16. HBL BUSINESS VALUE ACCOUNT
Now for businesspersons there are
different transactions account.
Account Opening Amount: NIL
Minimum Deposit: Rs.10,000
Maturity Rate: NIL
Interest Rate: NIL
Features:
Free duplicate account statements
17. 2.HBL ID
HBL ID is to attract the age group of 18-24.to learn
them how to manage there finances, how to spend,
how to save money etc so that the finally get there
desire item.
FEATURES:
Open an account with any amount and enjoy the
flexibility of no minimum balance .
Saving buckets for 3 or 12 months. profit rate up to
9%
Free cheque book teen age.
Mobile Top-ups facility.
18. 3.MONEY CLUB
HBL offers money club younger saving
account for age 6 to 7 years.
FEATURES:
Open an account with any amount.
Attractive profit rate.
Free cheque book and debit card.
Welcome pack and gifts.
Savings rewards are given at monthly or annually
bases.
19. 4.PERSONAL LOAN
With HBL personal loan, gain the freedom to use hard
cash for all your needs.
FEATURES:
Loan amount from Rs.25,000 to Rs.2,000,000.
Choice of 12,24,36,48,60 months for pay back.
Lowest mark-up.
Quick processing.
Mobile Top-ups facility.
20. 5.HBL CREDIT CARD
With HBL credit card, get more from life
FEATURES
Online shopping facilities
Special discounts on using HBL credit
card in various stores
Installment plans for generators,
appliances, mobile handsets and more
Cash advances, balance transfer an
21. 6.HBL DEBIT CARD
With HBL Debit Card, enjoy 24/7 access to your HBL
account where ever you are
FEATURES
No need to carry cash
Maximum limit of transaction from ATM Card is
Rs.25,000
Access to over 30 millions outlets and 1.4 million
ATMs worldwide
No liability of lost/stolen card once HBL is notified
Statement generation via HBL ATMs, internet banking
and branches
22. 7.HBL CAR TO CAR
With HBL car to car, upgrade your car frequently at half
the monthly installment
FEATURES
Installment 0% to 0% less than conventional
financing
Free upgrade to a new car every 2years
Security via insurance and tracking system
Buy back guarantee
24. 9.MOBILE BANKING
With HBL mobile banking you can access your
account through your GPRS enabled mobile
phone and perform important actions.
FEATURES:
Utility bill payment.
Mobile postpaid bill payment and top-up facility
only for Ufone and Warid customers.
Purchase mobile prepaid vouchers.
HBL credit card bill payment.
Maintain account settings.
Ufone customer’s can acess:mini statement,
ufone postpaid bill payment, prepaid Uload etc
25. 10.PRESTIGE BANKING
Prestige banking is for old employees and customers
having account in HBL.
FEATURES:
Personalized services.
Free cheque book.
Free debit card with exceed limit.
Black color cheque book and ATM card.
Facilities in airport lounge.
26. 11.HOUSING FINANCE
Financing available for:
• Purchase of house.
• Home improvement and renovation.
• Self construction.
FEATURES:
Lowest mark-up, monthly installments.
5 years fixed rates.
Lowest processing charges.
Finance range is from 3-20 years.
Financing limit up-to RS.7.5million.
RS 30million for home improvement.
Quick processing.
