“HABIB BANK LTD”

“MANAGEMENT INFORMATION SYSTEM OF

HABIB BANK”

SUBMITTED TO:
SIR NASEEM QAISER

SUMITTED BY:
MUHAMMAD FAISAL MASOOD

HASSAN ALI HAMMAD

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EMAILS: faisy.qureshi@gmail.com
hassan.hammad85@yahoo.com

“TABLE OF CONTENTS”

Sr.No Contents Page

01 Acknowledgement 03
02 Introduction And History of HBL 03
03 Organizational Chart of HBL 07
04 Management Information system 08
04 Hardware used by HBL 18
05 Software used by HBL 19
06 Database Management 21
07 Networking 23
08 Online Presence 24
09 Security and Backup 25
10 Conclusion And Recommendation 27
11 References 28

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“ACKNOWLEDGEMENT”

In the name of Allah the praiseworthy, the passionate whose blessings made it

possible for us to complete this complex and painful task. It is a matter of great

enthusiasm and pleasure for us to complete a report in its real sequence. It is all

because of Almighty Allah’s 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 whose

benevolent guidance in discourse and constant encouragement helped us to

complete this project.

INTRODUCTION

VISION STATEMENT

“Enabling people to advance with confidence and success”

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MISSION STATEMENT

“To make our customers prosper, our staff excel and create value for
shareholders”

INTRODUCTION OF HBL

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It is the prime Bank in country established in 1941 having a

registered head office in Karachi. It was nationalized in 1974, but
recently on 26th February 2004 it has been privatized by
Government of Pakistan and is taken over by Aga Khan Fund for
Economic Development (AKFED). They acquired 51 percent of shares
of HBL. It is one of the largest Banks of Pakistan with 1439 branches
and 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 and
sacrifices. All this has been possible on the account of sustained
efforts. The first branch of HBL started functioning on 30th August,
1941 at Muhammad Ali Road Bombay, where Quaid-e-Azam
Muhammad Ali Jinnah first of all opened his personal account.
Mohammad Ali Habib was a man of stern and persistent will. God.
Almighty had bestowed him with extra ordinary capabilities. He was
devoted to his Bank with a view to take his share in the uplift of the
strife-torn and devastated Muslim community. At the time of its
inception, the Bank's total paid up capital was Rs.2.5 million but it is
evident from the following data that the Bank experienced a steep
rise in the business in a few years. In 1942, on the
desire of Quaid-e-Azam, Habib family migrated to Pakistan and later
on shifted the Bank's Head Office from Bombay to Karachi on 7th
August 1947 just one week prior to independence, to play its pivotal
role in the development of this newly born country.
At the time of independence, the areas, which now constitute
Pakistan, were producing only agricultural products raw material for
indo-Pak subcontinent. Partially no industries were there to process
the raw material, therefore the raw material was exported from
Pakistan.There were 19 non-Indian foreign Banks which were
engaged in the export of crops from Pakistan with only two Pakistani
Banks i.e. HBL and the Australia Bank. The circumstances were
completely un-certain. The confidence of the people had been
shaken by the un-friendly environment and till the time peace had
not been restored, people would naturally have been interested in
other things. The nation was quite young with extreme scarcity of
resources and these definitely added to the difficulties of the govt., to
run its own Banking system immediately. Following the
announcement of the independence plan in June, 1947, the Hindus
residing in the territories now comprising Pakistan started
transferring their assets to India and vice versa. The Banks included
those having their registered offices in Pakistan, transferred them to
India in order to bring a total collapse of the new state. It had been
decided that the Reserve Bank of India
would continue to function in Pakistan so that the problem of demand

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and time liabilities, coinage, currencies, exchange rate etc be settled

between India and Pakistan and the Indian Notes would continue to
be legal tender in Pakistan till 30th September, 1948. Again due to
certain differences between Indian Pakistan, the Indian Govt.,
withheld Pakistan's share of Rs.75 core in forward and subscribed
heavily to the Govt. of Pakistan to the tide over the crises, Payment
was made to the Govt., by the Bank at a very nominal rate of
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 all
its 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 July
1s,1948. HBL after partition opened its branches throughout Pakistan
to provide finance and other facilities to the business community. In
association with HBL, the
Govt. sponsored Pakistan Finance Corporation Limited for financing of cotton. The
Bank helped handsomely in the construction of WARSAK DAM PROJECT, WAPDA,
& K.D.A. by provided finance and other facilities. Another innovation introduced by
HBL is the evening Banking cash long after the crossing of normal Banking hours. It
was also the first in making available such new facilities as Gift Cheques, Rupee
Traveler’s Cheques, Credit Card System, short term and long term schemes for small
businessmen.
Products & Services:
Today, HBL has more than 1,700 branches all over Pakistan and presence in 26
countries across five continents. With a revamped customer oriented philosophy, we
are pursuing new avenues of leadership through innovation, as we gear up to face the
challenges of the new millennium. Many of the banks schemes have gained national
and international as valuable contributors to field of banking.

 Rupee traveler checque.

 Evening Banking Service
 School Banking
 Mobile Banking
 Computer Service
 Credit Card Scheme
 Computer Accounts
 Life Insurance Savings
 Deposit Growth Certificates
 Deposit Growth Insurance

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 Scholarship Awards
 Auto Cash Teller Machines
 Owner Driver Taxi Finance
 Gold Card Scheme
 Monthly Investment Scheme.

Organizational Chart of HBL

PRESIDENTED AND CEO

BOARD OF DIRECTORS ( 7 Members)

G.E, G.E, G.E,

IOBG G.E CPCS G.E, G.E, G.E, AGA
CPOD RBG CIBG ARM

HEAD OF HUMAN RESOURCE HEAD OF FINANCE

HEAD OF INFORMATION TECHNOLOGY

SENIOR VICE PRESIDENTS

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MANAGEMENT INFORMATION SYSTEM

Information System:
Information is the life blood of an organization. Managers depend upon
accurate accessible and useful information, this requires the information system to be
responsive to their unique information needs, to empower them to think and act
strategically ,develop effective plans, and make decisions that increase their own and
their organization’s 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 reason
our era is named so is because most working people today have jobs that are
information intensive. For example, jobs such as teaching, accounting, retailing and
managing are all predominantly based on the handling of information. This emphasis
VICE PRESIDENTS differs from that of the earlier
decades, in which most jobs involved some type of physical labor applied on farms and
ASSISTANT VICE PRESIDENTS factories.
Data versus Information:
GRADE ONE(I) OFFICERS Many people use the
terms data and information synonymously. However there’s a distinct and important

GRADE TWO(II) OFFICERS

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difference. Data refers to facts. When data is filtered through one or more processors so
that they take on meaning and value to person they become information, it is
information rather than data which people use to make decisions.
Data Processing-Information Cycle
Both computer and human mind act as processors that select data and transform them
into meaningful information. The data processing-information cycle shown above
illustrates this. Some of the types of information that may be provided to decision
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 includes
the programs, software packages, and tools needed for such specific, end-user-oriented
tasks 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 being
used by workers in the organizations subunits such as word processing spreadsheets,
database or file 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 support
the activities of workers in a particular subunit. Accounting debiting and crediting
entries, software’s used in ATM’s, and payroll are usually called Special-purpose
software’s as these software’s have been developed for special purpose operations and
have to be custom made according to the organizations requirements. This kind of
software is being used by a limited number of users or subunits than are in general-
purpose applications.

What Is A Management Information System?

Management information system is said to be any system that provides people with
either data or information relating to an organizations operations. Information systems

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support the activities of employees, owners, customers, and other key people in the
organizations environment – either by effectively processing data to assist with
transaction work load or by effectively supplying information to authorized people in a
timely manner. For example, the transaction processing (data processing) system used
to perform accounting and clerical operations in a Bank or any other organization are
information systems. So, the systems that are used to generate periodic and pre planned
reports which is called management reporting system.
Decision support systems, office information system/office automation system,
and knowledge based systems are also viewed as facet’s of an organizations
information system, along with inter organizational electronic data inter change
(EDI) system that strategically link a firm to its customer and suppliers
Management Information Subsystems
Management Information System include many subsystems such as Decision
Support System, Transaction Processing System, management reporting system, Office
Automation System, Forecasting System etc however these will be discussed in detail
later in the report. Many types of Information Systems are being used in Habib Bank:
 Transaction Processing System
 Decision support system
 Executive Support System
 Management Reporting System
 Intelligent Information System
 Office Automation System

All of these systems have been linked through Multi-user Online Banking (MOB).

TRANSACTION PROCESSING SYSTEM

The Transaction Processing System (TPS) supports the daily business
transactions for example in the accounting department where the double entry system is
used for recording the daily transactions it will record all the entries that have been
credited or debited during the day and prepare the full report as well as inter relate
these tasks and other into an over all accounting system. This type of system keeps the

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organization running by automation the process of the large amount of paper work that
must be handled daily. Unlike the other systems the Transaction Processing System
(TPS) of Habib Bank links together all of the branches of the country in order to have
one database so that the Customer Information can be accessed through all the branches
in the country. Basically the TPS has more dealings with the accounting basically TPS
deals with the accounting department of an organization. In HBL it is used to record
withdraws and deposits of customers. Some of its functions are:

 Records the transactions

 Records the debit & credit
 Tells the balance of customer
 Gives the data about the custom
TPS makes day to day reports e.g. it manages the double entry system. For accounting
department 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:-
 How much loan was given
 Time
 Who was given the loan
 Address and particulars

Summary Report:
At the end of the day their report will tell what has been debated and what has
been credited, in total amounts.

MANAGEMENT REPORTING SYSTEM

A management reporting system (MRS) is an informatio0n system that provides
predefined types of information to management for relatively structured types of
decisions. As opposed to focusing purely on data and the efficient processing of data

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(which characterize transaction processing systems), management reporting systems

focus on Information and, occasionally, on effectiveness.
It generates a summarized report for reporting business updates to management
at higher level and for their review. It generates report having:

 Name of customer
 His address
 Limit of loan which bank can give
 Approval authority of loan
 Date of giving loan
 The expiry of deadline
 The securities that the bank held against the loan

DECISION SUPPORT SYSTEM

A decision support system (DSS) provides tools that enable managers to
develop information in the manner that best suits the decisions they are currently trying
to make. Unlike the MRS, which delivers specific types of information in a pre-planed
format, the DSS provides the manager with the computing and communications
capabilities to develop his or her own decision models, databases, and report formats.
Decision support systems often also focus on such areas as flexibility in meeting a
variety of continually changing needs.
After getting the data from TPS and MIS manager makes his decisions on its basis.
The manager can also forecast a future trend on the basis of DSS. Present decisions are
based on past data that is available in the system.

EXECUTIVE INFORMATION SYSTEM (EIS)

An executive information system (EIS) - which is sometimes referred to as an
executive support system (ESS) - is a DSS that is designed to meet the special needs of
top-level managers. Some people use the terms “EIS” and “ESS” interchangeably, but
others do not. Any distinction between the two usually is because executive support
systems are likely to incorporate additional capabilities such as electronic mail.

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Because executives deal primarily with data about the external environment and
data that come from informal sources, they are usually less reliant in direct contact with
information technology than other types of managers. When information from their
company’s computers is needed, many chief executive officers make their subordinates
retrieve that information. Because executive information needs are more ambiguous
that those of other levels of Management, computers have historically been less useful
to executives. Many executives have little hands –on experience with computers and
don’t fully appreciate how information technology can improve their personal
productivity and decision-making skills.ESS is for executives e.g., Retail General
Manager (RGM) b/c executives are non-technical people so a very user friendly system
is made for them to make their decision making process easy and feasibility, for this
purpose reports are generated to give easy access to information.

OFFICE AUTOMATION SYSTEM

OAS is the use of computer systems to execute a variety of office operations,
such as word processing, accounting, and e-mail. Office automation almost always
implies a network of computers with a variety of available programs.
Office Automation has traditionally referred to a wide variety of computer-
based technologies that make office workers more productive. The diverse set of OA
tools that enhance office productivity, efficiency and effectiveness are often
collectively called information systems. Many office systems can also be classified as
decision support systems or DSS tools (such as spreadsheets), which can make office
workers more productive and also help managers make better decisions. The blurry line
between decision support systems and Office Automation System should be expected
because most decisions makers work in some type of office environment. Another
example of ambiguity, a database management system that manages data for a firm
might also offer some decision support. Some of the Office Automation Systems used
in Habib Bank are:

 CPU’s

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 Monitors
 Fax
 Scanners
 Printers
 Keyboards
 Mouse.

Management Information System

Transaction Management Decision Office

Processing Reporting Support Automaton
System System System System

INFORMATION SYSTEM OF HABIB BANK

Habib Bank has different banking sectors these include:
 International Banking
 Retail Banking
 Treasury
 Corporate
 Global & Overseas banking
How 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.
System Development Life Cycle
Feasibility report:
The MIS manager prepares the Feasibility Report to check cost effectiveness
and the required results of developing software.
Specification Requirement:

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MIS manager sees what is required for making system i.e., staff, time,
programmers and programmers, PC’s and its peripherals. The previous system is
analyzed to check what were the short comings due to which new software is required.
System Design:
At this stage no actual programming is done but you will design the required
fields i.e., what are the fields for which entry of data is necessary e.g. name, address etc
and then their queries are designed, modules are formed, data entry forms are made. It
is just paper work.
System Construction: At this stage actual programming is done. A skeleton of
system is made and the programmer programmed the software exactly up to the
requirement of the MIS manager.
System Implementation: After testing and debugging, the system is implemented,
when MIS manager is fully satisfied.

Post Implementation Support and Testing:

The problems are reprogrammed again.

INFORMATION RESOURCE MANAGEMENT

.
The term used to describe this view of information is information Resource
Management (IRM): a concept that recognizes information as a key resource that
should (as should any vital resource) be properly managed. Other fields 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 as
a 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. In
this position the information system department participates in strategic planning and
other key decisions that are made by the organization’s top level managers.

MIS PERSONNEL
The MIS personnel can or cannot be non IT persons. The Information System
Manager 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

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implementation of System Development Life Cycle also is done by the Information

System Manager. Following are the job titles of people who interact directly with
managers and users and in general manage the whole information system-although
these 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 Transaction
Processing 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.
He has the responsibility of hiring and assigning work to the other operations
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 is
to 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 bank’s I.T Department who enter data into the
main 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 records
kept pertaining to the daily transactions of the bank. Accounting data, debit and credit
entries, customer info etc.
System Analysts:

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System Analysts are the technology professionals charged with analyzing,

designing and implementing large computer-based information systems. Because they
are 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 basically
have 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:
Code applications programs-the software that serves the direct needs offend-
users. Generally it is the systems analyst who initially specifies what programs needed
must do. Armed with a set of formal-often technical-specifications from the analyst, the
applications programmer then write programs from them.

System Programmers:
Code the systems software that controls the operation of computer hardware
and makes it possible to run applications programs.
MIS Management:
At the top of the computer hierarchy are MIS executives. In Habib Bank
Limited I.T Managers or I.T Director is at top of the I.T Department Hierarchy. These
MIS executives oversee the full range of MIS-related activities, including Transaction
Processing which traditionally accounts for the largest share of the information
processing- as well as telecommunication, data administration, and end-user support.

Duties of MIS Personnel

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 They manage information inflow from start of any work to its final destination
and scrutinize all the information.
 They generate report for a top manager e.g. is target matched or not?

 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 employees, his salary
allowances, deductions, provided fund, tax, net and gross salary is recorded and
is given to employees in printed form.

• Communication:

 E-mail is used with URL i.e., www.hblpk.com

 Through PTCL lines.

They don’t use a secret net connection because they don’t have web-based server and
they use dial-up connection.

HARDWARE USED BY HABIB BANK

The part that cannot not be seen or touched is called hardware. As the name represents
hard means hard, so physical parts are called hardware. The term hardware refers to
machinery. This category includes the computer itself, which is often referred to as the
central processing unit (CPU), and all of its support equipment.

# Hardware Description Qty

DL320G5 (Core 2Duo), 4GB
1 Application Server Ram, Raid 5 SAS 145GB HD
x3
1

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Database Server HP DL380G5 (Dual Core), 1

2 4GB Ram, Raid 5 SAS
145GB HD x 3

Internet Server DELL (Dual Core), 4GB Ram,

3 Raid 5 SAS 145GB HD x 3
1
LCD Monitors ACER 17" LCD Display
4 25
Intel Centrino2
Laptop 2.8 c2d/4gb/500gb
5 fully Loaded(Toshiba)
1
Dot Matrix Printer Epson LQ-2180 24 pin Dot
6 (136 Column) Matrix Printer
2
Laser Printer HP LaserJet 4250n
7 2
Scanner HP Scan jet 5590 Scanner
8 1
Tape Drive HP Storage Works DAT72
9 /DLT
Ext D
1
COMPUTERS BRANDED DELL P4
10 25
GENERATORS HONDA
11 1

SOFTWARE USED BY HABIB BANK

“Set of instructions given to the computer to solve a problem”

The term software refers to computer programs and the manuals that support them.
Computer programs are machine-readable instructions that direct the circuitry within

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the hardware parts of the CBIS to function in ways that produce useful information
from data.

OPERATING SYSTEM SOFTWARE:

UNIX is being used as the main operating system in Habib Bank according to
them it is more powerful than Windows. Having built-in office and e-mail
(external & internal)

MULTI-USER ONLINE BANKING (MOB)

The main system used by the bank is called Multi-user Online Banking (MOB).
This is the main system through which all of the branches of Habib Bank are linked
together. This system has many sub systems of which the foremost and important is
Management information system.Multi-user Online Banking (MOB) works in such a
way that for example if customer opens an account in Habib Bank once that
information is fed into the system then that information will become available to all the
braches of Habib Bank located in Pakistan. For instance if the account has been opened
in Islamabad the customer can deposit and withdraw money from wherever in Pakistan
from an on-line branch, this is mainly possible through Multi-user Online Banking
(MOB).
Multi-user Online Banking (MOB) is a customer made software and the
computer language that has been used to develop is Common Business Oriented
Language (COBOL).The software of MOB has been kept different from same type of
software so as to prevent unauthorized entry.Habib Bank used Kindle Banking System
until 2001 in their Retail Banking sector.

MAIN SERVER:
THIN CLIENT (centralized)

Internet Server:

DL320G5 (Core 2Duo), 4GB

Ram, Raid 5 SAS 145GB HD x 3

Database Server:

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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 there
work daily and that are:

 MS WORD
 MS EXCEL
 MS POWER POINT
 MS ACCESS

DATA BASE MANAGEMENT

Database administrators:
Database administrators are responsible for ensuring that users and
programmers have access to the data that they need in order to make decisions or run
applications and for integrity and security of the data in the database.

DATABASE MANAGEMENT SYSTEM:

Database management system is a collection of software that has been designed
to provide a systematic and flexible approach to organizing and access to data that
could possibly exist as separate files in database management all of the Information is
put into a central database and only one program or file entry is required. When a
customer makes an enquiry all the checking, savings and loan data are instantly
available.DBMS has not yet been fully implemented in Habib Bank and will be used
when web-access is made. It is used for references only and soft copies are made for
example a credit database may include:
 Name

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 Location
 approval authority of credit
 expiry/tenure
 securities
 sort of finance

DATA MANAGEMENT:
Managerial decision making is likely to be more effective when managers are
able to quickly access the data they need on demand. Most of the other databases data
has been stored on computer-files and databases. These databases include:
 Customer/client databases
 Employee databases
 Accounting databases
 Credit databases

Data has been physically stored on a variety of media, including magnetic disks,
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;
 store data compactly and efficiently
 quickly edit and modify stored data and make backup copies
 In HABIB BANK all the data is directly stored in head office.
 Information Technology department of HABIB BANK have a simple database
structure and use online processing/real time processing that transaction

 Simple application software is being using to control, create and manage

database..

FILE BASED MANAGEMENT SYSTEM:

File processing refers to an environment in which data is physically organized
into files (collection of related records). The file processing environment is linked to
the specific application programs that are being used in the organization. These data
and files are shared by many application programs. Although file management is done
manually as files on the computer cannot be manually signed, but files are also created
on computer for record and references. Files made on FMBS include:-

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 Basic borrowers fact sheet (personal & professional record)

 Their Securities (legal documents are manually kept0
 Correspondent Files
 Credit Files & Legal Files
WORKING:
Habib bank uses a file processing system with different customer files for
example: checking, savings and loans. Often, customers call the bank questions on
several of their accounts. Service representative has to go through the following
procedure:
 Enter the checking-account-balance program
 Get the required checking Information
 Leave program
 Enter saving-account-balance program
 Get the required saving Information and leave program
 Enter loan-account-balance program
 Get the required loan Information and leave program

Networking
Network Administrator
Telecommunications mangers and network managers/Network Administrators
are responsible for meeting the data communications needs of users in the organization.
The increasing trend toward networking and distributed processing has increased the
importance of these positions. All the workstations within the Bank are connected
through Local Area Network (LAN).The bank has over 101 branches all over the
country which have been linked through Microwave or Phone lines, Satellites and most
of the connections have been provided by PTCL.

CONNECTIVITY:

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Parallel.
Microwave or Phone lines.
VIA-satellite.
ROUTERS:
Model RA 46-40 (Red line)

Switches:

Model S3000-S3500

Power cable:

PABX for VOIP

Fiber Cable

As we elaborate on Information System or Management Information

System (MIS) we will discuss the many sub-systems that make up a Management
Information 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 Information System (MIS). The
information system may be computer based or manual both have to be taken into
account while discussing a Management Information System (MIS)

ONLINE PRESENCE

HABIB BANK has online presence. We can get data from the web. And also
discussed 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:

 Availability of DEBIT and CREDIT.

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 Cash withdrawal and deposit.

 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).

SECURITY & BACKUPS

Security is a very important part of an information System, every organization
has to protect its vital data from unauthorized access for this purpose Habib Bank has
many security policies, these are:
 A password is assigned to the employees and there is limit to using the
password for example an employee can issue up to a specific amount.
 In order to protect from any unauthorized access into the system, the software
that is being hacked from outside and is said to be fool proof.
 In order to protect the data, backups are used, for back up Habib Bank uses
floppies, every day backup is done and these floppies are transported to the
nearest branch to protect against any potential hazard for example fire, arson,

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earthquake, theft etc,. After a week these backup floppies are transported back
to the branch.
 Whenever checque has been cashed so the bank checks the signature and
amount of account holder.
BIO MATRIC DESKTOP:
Biometrics, where authorization of transactions is based on the scanning of a
customer's fingerprint, iris, face, etc. To maintain security HBL has a new technique of
thumb impression recognition.i.e, whenever customer wants to withdraw cash from
ATM a thumb impression with personal ID card of customer is needed to be
identified .If it is matched with the database maintained by HBL in Karachi head
office. And this can be verified within seconds to facilitate their customers.

 Cheque/Cash Acceptance, where the ATM accepts and recoginse cheques

and/or currency without using envelopes
 Bar code scanning
 On-demand printing of "items of value" (such as movie tickets, Travellers
Cheques, etc.)
 Dispensing additional media (such as phone cards)
 Co-ordination of ATMs with mobile phones
 Customer-specific advertising
 Integration with non-banking equipment

C.C. TV:

 Creating duplicate copies

Duplicate copies of all data are used and all original data are placed at the website of
HBL Ltd Palistan. There is such distance between the original and duplicate data.
 Contingency Plans

Contingent plans are used to protect the hardware data.If any problem
occurs in the hardware system then there will be no difficulty for the data. It means that
protect data in the hardware system.

 Storage Devices

Primary and Secondary storage devices are also used in the process to
protect and save the important information from loss or misuse. Often the master file is
stored on these devices while the users are provided access to the duplicate file. Master
file containing the permanent information is updated during processing by transaction
data.

The External Storage devices that are used in the Department are.

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a. RAID
b. Hard Disk Moveable.
c. DVDs.
d. CDs.

 Basis for Data Backup

• Daily Basis.
• Weekly Basis.
• Monthly Basis.

CONCLUSION
HBL is clearly the first choice of every one who believes in qualitative
approach of banking an environment of highly responsible people.
Bank is enjoying a healthy market share and taste of good status in
terms of its operative features and customer support. HBL is clearly
the best bank operating in Pakistan.
Personal loan is a distinguished feature of HBL experiencing a
good reputation and reasonable mark up with respect to prevailing
market mark up with assurance of satisfaction and support. HBL has
more customers as compare to other banks, if they given proper
attention to every customer then in few years it will be the leading
bank of the country.

RECOMMENDATIONS

 The management should try to decrease job insecurity among the

employees.

 Training program should be started for internees and newly

appointed employees

 There should be transport facility for the employees.

 The number of employees should be increased in order to

decrease the
workload.

 The bank charges high service charges as compared to the other

banks, so these should be lowered down.

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 Surveys must be conducted regarding customer satisfaction level

and all employees of this dept. should look forward to getting
feedback whenever
possible.

REFERENCES
IT Engineer: MUHAMMAD ASAD.

CELL# +92-3015554442.
+92-3215554442.

Websites: www.hbl.com.pk

www.wekipedia.com

www.google.com

Email: ASAD-INFO@YAHOO.COM

Fax: 111-333-900

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