H M B Final.pptx

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HABIB METROPOLITON BANKK

Presented To:

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HABIB METROPOLITON BANKKK

Presentation On

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HABIB METROPOLITON BANK

GROUP MEMBERS:

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Contents _{Bank Introduction}

_Vision

_Competitors

_{Organizational Hierarchy} _{Corporate Information} _Products

_Services

_{Financial Analysis} _{SWOT Analysis} _{PEST Analysis}

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Introduction

_{Habib Metropolitan Bank was incorporated in} Pakistan as a Public Listed Company in 1992.

_On _{October 26, 2006} _{Habib Bank A G Zurich’s} Pakistan Operations merged into Metropolitan Bank

Limited and the merged entity was named Habib

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HABIB METROPOLITON BANK

CREDIT RATING

AA+

•

LONG TERM

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Branches

 _{150 Branches all over country}  _{110 Online Branches}

 _{20 Countries}

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OUR VISION:

Based on a foundation of trust, To be the most respected

Financial institiution, delighting Customers with excellence,

Enjoying the loylity of a

Dedicated team, meeting the Expectations of the regulators And participating in social

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HABIB METROPOLITON BANK

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

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HABIB METROPOLITON BANK

ORGNIZATIONAL HEIRARCHY

BOD

CEO

Head Office

Zones

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CORPORATE INFORMATION

_{Board of Directors}

Chairman

Kasim Parekh

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 Directors

– Muhammad H.Habib

– Kasim Parekh

– Anjum Iqbal

– _{Raza S. Habib}

– _{Bashir Ali Muhammad} – Anwar H. Japanwala

– Ronaid V. Emerson

– Firasat Ali

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HABIB METROPOLITON BANK

_{Audit Committee}

– Reza S. Habib – _{Kassim Parekh}

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PRODUCT & SERVICES

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Habib Metropolitan Bank

PRODUCTS

A-

Deposits

1- Basic Banking Account

2- Premium Deposit Scheme 3- HMB Mahana Scheme

4- Current Account

5- HMB Saving Plus Account 6- Super current Account

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HABIB METROPOLITON BANK

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Basic Banking Account

 _{Account Opening with}_Rs. 1,000/- _{No minimum}_{balance Required.}  _{Non-remunerative account.}

 _{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 /}

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PREMIUM DEPOSIT SCHEME

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FEATURES

_{Minimum Investment with}_{Rs. 25000}

_{Profit Rate upto}_{11.00 % pa}_{on the basis of quarterly} or half yearly

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FEATURES



Minimum investment

Rs.25000



Profit Upto

10.50 %

P.a



Monthly Profit



Investment for

1,2 or 3 years

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FEATURES

_Minimum_Rs.5000_{for Open Account} _Non-Profit_Account

_Unlimited_Transactions

_{Minimum Rs.1000}_{for maintain Account}

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HMB SAVING PLUS ACCOUNT

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FEATURES

_{Initial Deposit}_Rs.25000 _{Profit Upto}_{8.0 %}_p.a

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FEATURES

_{Minimum amount}_Rs.100000 _{Can be operated from any}

HMB branch nationwide

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B- ADVANCES

1- HMB Personal Loan 2- HMB Auto Finance 3- HMB Auto Lease

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Habib Metropolitan Bank

HMB PERSONAL LOAN

_{Clean Loan up to}_Rs.500000 _{Processing fee}_1%_{of Loan or}

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HMB AUTO FINANCE

_{HMB Auto Finance available Upto}

3 Million

_Minimum_15%_{Down Payment} _{Processing Fee}_Rs.4000

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HMB AUTO LEASE

_{Offered to our commercial and}

corporate clients

_{Down Payment 10%}

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Habib Metropolitan Bank

HMB EDUCATION LOANS



Educational loans are offered to:

a) Graduation

b) Post Graduation c) Phd

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Services

1- Cash management Services

2- E-Salary Account

3- HMB Call Center

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SERVICES

_{This Service is best suited for}_{Corporate clients}_with

Rs.500 Million and above in local Sales and collections.

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FEATURES

The Minimum monthly salary disbursement per corporate customer is Rs. 1 Million.

Charges per salary Rs. 50

The individual Salary account holders are also eligible to apply for HMB Personal & Auto Loans.

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HABIB METROPOLITON BANK

24 Hour Call Centre

0800 – HABIB (42242)

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HABIB METROPOLITON BANK

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SERVICES

 _{Balance Inquiries}

 _{Transaction Inquiries}

Other Inquiries

_{Inward Remittances}

_{Other Bank’s Cheque Cleared} Other Bank’s Cheque Returned

_{Your Cheque Cleared}

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HABIB METROPOLITON BANK

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FEATURES _Secure

_{Available in,}

_Size_{Security Deposit}

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Particulars Dec ‘10 Dec '09 Dec '08

(Rupees in million)

Shareholders Equity 20,954 18,889 16,150 Paid-up Capital 8,732 7,528 6,022 Total Assets 252,211 237,412 182,711 Deposits 160,458 142,457 128,433 Advances 119,828 102,293 108,261 Investments 100,994 111,680 53,632 Profit before Tax 4,026 4,214 4,764 Profit after Tax 2,818 2,739 3,293 Earnings Per Share 3.23 3.64 5.47

Dividends (%) 20 ( B ) 16 (B)

10 (C) 25 (B)

No. of Staff 2,695 2,300

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HABIB METROPOLITON BANK

• STRENGTHS

Rank in top 10 bank of Pakistan.

Strong customer relationship.

Asset utilization is very good.

Loans are given only to known,

reputable clients to avoid chances of fraud.

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HABIB METROPOLITON BANK

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WEAKNESSES

_{Bad portfolio diversification}_{(54% advances to}

Textile industry)

_{Majority of shares are owned by the}_{one family}_.

_{Customers facing problem of}_{NADRA verification}

while opening their accounts.

_{Promoting generally on}_{seniority basis}_. _Low_{consumer finance.}

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• OPPURTUNITIES

_{New branches in}_{rural areas}_.

_Attract_{Foreign investors}_{due to}

dual banking regulations.

_{New Scheme}_{for deposits & Loans.}

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THREATS

_{Stiff competition} _Inflation

_Economic_Uncertainity_{in Global}

Market

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POLITICAL

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Economic:

_{Economy of Pakistan facing} problems about:

a. Employment

b. Inflation

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HABIB METROPOLITON BANK

SOCIAL

Population Trend

_Culture

_Religious_Factor

Joint Family System

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_Technology

_{New Technology} _{Online Services}

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RECOMMENDATIONS

_{Introduction of}_{new products}

/services in the market

_Hire_{new skilled}_management

_Give_{importance to all}_customers

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HABIB METROPOLITON BANK

CONCLUSION

_{HMB offers}_{branch banking,}_{e-banking,consumer}

banking, international banking and also offers Islamic banking to facilitate their cutomers

_{At year-end, HMB’ s equity stands at}_{Rs 20.9 billion} at a comfortable 13.2% capital adequacy level

against the required 10%.

_The_{credit ratings}_{denote a very}_{high credit quality}_, a very low expectation of credit risk and a very

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THANK YOU

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