Habib Bank Ltd Mis Project

“HABIB BANK LTD”

“MANAGEMENT INFORMATION SYSTEM OFHABIB BANK”

SUBMITTED TO:

S I R N A S E E M Q A I S E R

SUMITTED BY:

M U H A M M A D F A I S A L M A S O O D

H A S S A N A L I H A M M A D

Management Information Systems

HABIB BANK LTD”

EMAILS:

[email protected]

[email protected]


“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 greatenthusiasm and pleasure for us to complete a report in its real sequence. It is allbecause 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 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.

INTRODUCTIONVISION STATEMENT

Enabling people to advance with confidence and success”

MISSION STATEMENT

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

INTRODUCTION OF HBL


It is the prime Bank in country established in 1941 having aregistered head office in

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

Development (AKFED). They acquired 51 percent of sharesof HBL. It is one of the

largest Banks of Pakistan with 1439 branchesand having total assets of Rs.434,931,930,000.

“History OF HABIB BANK”

HBL a t i t s p resen t s t a te has a l ong and r i ch h i s t o r y o f deeds and sacrifices. All this has

been poss ib l e on t he accoun t o f sus ta ined efforts. The first branch of HBL started

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 M u h a m m a d A l i J i n n a h f i r s t o f a l l o p e n e d h i s p e r s o n a l a c c o u n t . Mohammad Ali Habib

was a man o f s t e rn and pe rs i s t en t w i l l . God . Almighty had bestowed him with extra

ordinary capabilities. He wasdevoted to his Bank with a view to take his share in the

uplift of thes t r i f e -t o rn and devas ta ted Mus l im commun i t y . A t t he t ime o f i t s inception,

the Bank's total paid up capital was Rs.2.5 million but it isevident from the following

data that the Bank experienced a steeprise in the business in a few years. In 1942, on thedesire of Quaid-e-Azam, Habib family migrated to Pakistan and lateron shifted the

Bank ' s Head O f f i ce f r om Bombay t o Ka rach i on 7 th August 1947 just one week prior to

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

agricultural products raw material forindo-Pak subcontinent. Partially no industries were

there to processthe raw ma te r i a l , t he re fo re t he raw ma te r i a l was expo r ted f r om P a k i s t a n . T h e r e w e r e 1 9 n o n - I n d i a n f o r e i g n B a n k s w h i c h w e r e engaged in the export of crops from

Pakistan with only two PakistaniB a n k s i . e . H B L a n d t h e A u s t r a l i a B a n k . T h e

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

independence plan in June, 1947, the Hindusr e s i d i n g i n t h e t e r r i t o r i e s n o w c o m p r i s i n g

P a k i s t a n s t a r t e d transferring their assets to India and vice versa. The Banks includedthose having their registered offices in Pakistan, transferred them toIndia in order to

bring a total collapse of the new state. It had beendecided that the Reserve Bank of Indiawould continue to function in Pakistan so that the problem of demand

Management Information Systems

5


and time liabilities,

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 . , withheld

Pak i s tan ' s sha re o f Rs .75 co re i n f o rwa rd and subsc r i bed heavily to the Govt. of Pakistan

to the tide over the crises, Paymentw a s m a d e t o t h e G o v t . , b y t h e B a n k a t a v e r y n o m i n a l

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, RupeeTraveler’s Cheques, Credit Card System, short term and long term schemes for small businessmen.

Products & Services:

T o 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 P a k i s t a n a n d p r e s e n c e i n 2 6 countries across five 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 nationaland 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

Scholarship Awards

Auto Cash Teller Machines

Owner Driver Taxi Finance

Gold Card Scheme

Monthly Investment Scheme

MANAGEMENT INFORMATION SYSTEMInformation System:Information is the life blood of an organization. Managers depend uponaccurate accessible 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 organization’s competitiveness.Today, largely through advances in computer and communications technology,we are living at a time that many people call theinformation age.One major reasonour era is named so is because most working people today have jobs that areinformation intensive. For example, jobs such asteaching, accounting, retailing andmanagingare 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 thetermsdata

andinformationsynonymously. However there’s a distinct and importantManagement Information SystemsVICE PRESIDENTSASSISTANT VICE PRESIDENTSGRADE ONE(I) OFFICERSGRADE TWO(II) OFFICERS

difference. Data refers to facts. When data is filtered through one or more processors sot h a t t h e y t a k e o n m e a n i n g a n d v a l u e t o p e r s o n t h e y b e c o m e i n f o r m a t i o n , i t i s 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 theminto meaningful information. The data processing-information cycle shown abovei l lust rates th is . Some of the types of in format ion that may be prov ided to dec is ion 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 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 supportthe activities of workers in a particular subunit. Accounting debiting and crediting entr ies , sof tware ’s used in ATM’s , and payro l l are usua l ly ca l led Spec ia l -purpose software’s as these software’s have been developed for special purpose operations andhave 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 witheither data or information relating to an organizations operations. Information systems

support the activities of employees, owners, customers, and other key people in theorganizat ions env i ronment – e i ther by ef fect ive ly process ing data to ass i s t wi thtransaction work load or by effectively supplying information to authorized people in atimely manner. For example, the transaction processing (data processing) system usedto perform accounting and clerical operations in a Bank or any other organization areinformation systems. So, the systems that are used to generate periodic and pre plannedreports which is called management reporting system.Decision support systems, office information system/office automation system,a n d k n o w l e d g e b a s e d s y s t e m s a r e a l s o v i e w e d a s f a c e t ’ s o f a n o r g a n i z a t i o n s 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 DecisionSupport System, Transaction Processing System, management reporting system, OfficeAutomation System, Forecasting System etc however these will be

discussed in detaillater 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

T h e T r a n s a c t i o n P r o c e s s i n g S y s t e m ( T P S ) s u p p o r t s t h e d a i l y b u s i n e s s transactions for example in the accounting department where the double entry system isused for recording the daily transactions it will record all the entries that have beencredited or debited during the day and prepare the full report as well as inter relatethese tasks and other into an over all accounting system. This type of system keeps the

organization running by automation the process of the large amount of paper work thatmust 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 haveone database so that the Customer Information can be accessed through all the branchesin the country. Basically the TPS has more dealings with the accounting basically TPSdeals with the accounting department of an organization. In HBL it is used to recordwithdraws 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 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:-

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 predef ined types of in format ion to management for re lat ive ly s t ructured types of decisions. As opposed to focusing purely on data and the efficient processing of data

(which characterize transaction processing systems), management reporting systemsfocus on Information and, occasionally, on effectiveness.It generates a summarized report for reporting business updates to managementat 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 dec is ion support system (DSS) prov ides too ls that enable managers todevelop information in the manner that best suits the decisions they are currently tryingto make. Unlike the MRS, which delivers specific types of information in a pre-planedformat , the DSS prov ides the manager wi th the comput ing and communicat ions 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 avariety 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 anexecutive 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, butothers do not. Any distinction between the two usually is because executive supportsystems are likely to incorporate additional capabilities such as electronic mail.

Because executives deal primarily with data about the external environment anddata that come from informal sources, they are usually less reliant in direct contact withinformation technology than other types of managers. When information from their company’s computers is needed, many chief executive officers make their subordinatesretrieve that information. Because executive information needs are more ambiguousthat those of other levels of Management, computers have historically been less usefulto executives. Many executives have little hands –on experience with computers andd o n ’ t f u l l y a p p r e c i a t e h o w i n f o r m a t i o n t e c h n o l o g y c a n i m p r o v e t h e i r p e r s o n a l productivity and decision-making skills.ESS is for executives e.g., Retail GeneralManager (RGM) b/c executives are non-technical people so a very user friendly systemis 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 systemstoexecutea variety of office operations,such asword processing , accounting, and e-mail . Office automation almost alwaysimplies anetwork 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 OAt o o l s t h a t e n h a n c e o f f i c e p r o d u c t i v i t y , e f f i c i e n c y a n d e f f e c t i v e n e s s a r e o f t e n collectively called information systems. Many office systems can also be classified asdecision support systems or DSS tools (such as spreadsheets), which can make officeworkers 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 firmmight also offer some decision support. Some of the Office Automation Systems usedin Habib Bank are:

CPU’s

Monitors

Fax

Scanners

Printers

Keyboards

Mouse.

INFORMATION SYSTEM OF HABIB BANK

Habib Bank has different banking sectors these include:

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.

System Development Life CycleFeasibility report:

The MIS manager prepares the Feasibility Report to check cost effectivenessand the required results of developing software.

Specification Requirement:

M I S m a n a g e r s e e s w h a t i s r e q u i r e d f o r m a k i n g s y s t e m i . e . , s t a f f , t i m e , programmers and programmers, PC’s and its peripherals. The previous system isanalyzed 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 requiredfields i.e., what are the fields for which entry of data is necessary e.g. name, address etcand then their queries are designed, modules are formed, data entry forms are made. Itis 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 therequirement 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

ResourceManagement (IRM):

a concept that recognizes information as a key resource thatshould (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 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 organization’s 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 InformationSystem Manager . Fo l lowing are the job t i t les of people who interact d i rect ly wi th 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 toensure 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 bank’s 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:

System Analysts are the technology profess iona ls charged with ana lyz ing , 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:

Code applications programs-the software that serves the direct needs offend-users. Generally it is the systems analyst who initially specifies what programs neededmust do. Armed with a set of formal-often technical-specifications from the analyst, theapplications programmer then write programs from them.

System Programmers:

Code the systems software that controls the operation of computer hardwareand makes it possible to run applications programs.

MIS Management:

At the top of the computer h ierarchy are MIS execut ives . In Habib Bank 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 TransactionProcess ing which t rad i t iona l ly accounts for the largest share of the in format ion 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.

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:

I t i s m a d e o n M I S . I n i t i n f o r m a t i o n a b o u t e m p l o y e 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:

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 andthey use dial-up connection.

HARDWARE USED BY HABIB BANK

The part that cannot not be seen or touched is called hardware. As the name representshard means hard, so physical parts are called hardware. The term hardware refers tomachinery. This category includes the computer itself, which is

often referred to as thecentral processing unit (CPU), and all of its support equipment.

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

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

OPERATING SYSTEM SOFTWARE:

UNIX is being used as the main operating system in Habib Bank according tothem i t i s more powerfu l than Windows. Having bui l t - in of f i ce and e-mai l (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 linkedtogether. This system has many sub systems of which the foremost and important isManagement information system.Multi-user Online Banking (MOB) works in such aw a y t h a t f o r e x a m p l e i f c u s t o m e r o p e n s a n a c c o u n t i n H a b i b B a n k o n c e t h a t 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 openedin Islamabad the customer can deposit and withdraw money from wherever in Pakistanfrom an on-line branch, this is mainly possible through Multi-user Online Banking(MOB).M u l t i -u s e r O n l i n e B a n k i n g ( M O B ) i s a c u s t o m e r m a d e s o f t w a r e a n d t h e computer language that has been used to deve lop i s Common Bus iness Or iented 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 Systemuntil 2001 in their Retail Banking sector.

MAIN SERVER:

THIN CLIENT

(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

DATA BASE MANAGEMENT

Database administrators:

D a t a b a s e a d m i n i s t r a t o r s a r e r e s p o n s i b l e f o r e n s u r i n g t h a t u s e r s a n d programmers have access to the data that they need in order to make decisions or runapplications 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 designedto provide a systematic and flexible approach to organizing and access to data thatcould possibly exist as separate files in database management all of the Information is put into a centra l database and only one program or f i le entry i s requi red. When acustomer makes an enquiry a l l the check ing , sav ings and loan data are instant ly 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

approval authority of credit

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 databasesData has been physica l ly s tored on a var ie ty of media , inc luding magnet ic d isks , 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 databasestructure and use online processing/real time processing that transaction

Simple appl ica t ion sof tware i s be ing us ing to cont ro l , c rea te and managedatabase..

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)

Their Securities (legal documents are manually kept0

Correspondent Files

Credit Files & Legal Files

WORKING:

Habib bank uses a f i le process ing system with d i f ferent customer f i les for example: checking, savings and loans. Often, customers call the bank questions onsevera l o f the i r accounts . Serv ice representat ive has to go through the fo l lowing 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 Administratorsare responsible for meeting the data communications needs of

users in the organization.The increasing trend toward networking and distributed processing has increased theimportance of these pos i t ions . A l l the workstat ions wi th in the Bank are connectedthrough Local Area Network (LAN).The bank has over

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branches a l l over the 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 e laborate on Informat ion System or Management Informat ion 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 p a r t o f I n f o r m a t i o n S y s t e m o r M a n a g e m e n t I n f o r m a t i o n S y s t e m ( M I S ) . T h e informat ion 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 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:

Availability of DEBIT and CREDIT.

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 organizationhas to protect its vital data from unauthorized access for this purpose Habib Bank hasmany security policies, these are:

A p a s s w o r d i s a s s i g n e d t o t h e e m p l o y e e s a n d t h e r e i s l i m i t t o u s i n g t h e password for example an employee can issue up to a specific amount.

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.

In order to protec t the da ta , backups are used, for back up Habib Bank uses 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.

Whenever checque has been cashed so the bank checks the s ignature and amount of account holder.

BIO MATRIC DESKTOP:

B i o m e t r i c s , w h e r e a u t h o r i z a t i o n o f t r a n s a c t i o n s i s b a s e d o n t h e s c a n n i n g o f 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 fromA T M a t h u m b i m p r e s s i o n w i t h p e r s o n a l I D c a r d o f c u s t o m e r i s n e e d e d t o b e ident i f ied . I f i t i s matched with the database mainta ined by HBL in Karach i head office. And this can be verified within seconds to facilitate their customers.

Cheque/Cash Acceptance, where the ATM accepts and recog inse chequesand/or currency without using envelopes

Bar code scanning

On-demand pr int ing of " i tems of va lue" (such as movie t i ckets , Trave l lers 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 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

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 isstored 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.

a . R A I D

b . H a r d D i s k M o v e a b l e .

c . D V D s .

d . C D s .

Basis for Data Backup

•

Daily Basis.

•

Weekly Basis.

•

Monthly Basis.

CONCLUSION

HBL is clearly the first choice of every one who believes in qualitativeapproach of banking an environment of highly responsible people.Bank is enjoying a healthy

market share and taste of good status interms of its operative features and customer

support. HBL is clearlythe best bank operating in Pakistan.Personal loan is a distinguished feature of HBL experiencing agood reputation and reasonable mark

up with respect to prevailingmarket mark up with assurance of satisfaction and

support. HBL hasmore customers as compare to other banks, if they given properattention to every customer then in few years it will be the leadingbank of the

country.

R E C O M M E N D A T I O N S

The management should try to decrease job insecurity among theemployees.

Training program should be started for internees and newlyappointed employees

There should be transport facility for the employees.

The number of employees should be increased in order todecrease theworkload.

The bank charges high service charges as compared to the otherbanks, so these should be lowered down.

Surveys must be conducted regarding customer satisfaction leveland all employees of this dept. should look forward to gettingfeedback wheneverpossible.

R E F E R E N C E S

IT Engineer:

MUHAMMAD ASAD.

CELL#

+92-3015554442.+92-3215554442.

Websites:

www.hbl.com

.

pk www.wekipedia.comwww.google.com

Email:

[email protected]

Fax:

111-333-900

Habib Bank Ltd Mis Project

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