Group MembersHaider AftabM12BBA016Umar FarooqM12BBA026Saad AnsariM12BBA060

Company LogoDefinition

HMB

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ContentsHistory & Introduction2Ranking & RatingBranches3Vision & Mission4HMBOrganizational Hierarchy5Corporate Information6

Company Logo5ContentsCompetitors1Financial Analysis9SWOT Analysis107PEST Analysis11Recommendations12HMBProducts & Services8

Company Logo6IntroductionHabib Metropolitan Bank was incorporated in Pakistan as a Public Listed Company in 1992.

On October 26, 2006 Habib Bank A G Zurichs Pakistan Operations merged into Metropolitan Bank Limited and the merged entity was named Habib Metropolitan Bank Limited (HMB).

HMB

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RankingThe Bank ranks within Top 10 in Pakistan with a strong vision to be the most respected Financial Institution. HMB

Company LogoCREDIT RATINGHMB

Company LogoBranches:Headquarter:Spencer's Building I.I Chundrigar Road Karachi, PakistanBranches:Over 150+ branches in 21 cities of Pakistan HMB operates in more than 20 countries across the world.

HMB

Company LogoOUR VISIONBased 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.

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Company Logo11"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."

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ORGNIZATIONAL HIRARCHYHMB

Company Logo13CORPORATE INFORMATION

CHAIRMAN:Kassim Parekh

President & CEOMr. Siraj Uddin Aziz

DirectorsMuhammad H.HabibRaza S. HabibBashir Ali MuhammadAnwar H. JapanwalaRonaid V. EmersonFirasat AliMohamedali R. Habib (Executive Director)

Board of DirectorsHMB

Company Logo14CORPORATE INFORMATIONCompany SecretaryMuhammad ImranAudit CommitteeReza S. HabibKassim ParekhMohamedali R. Habib

HMB

Company LogoCOMPETITORSArif Habib BankMCBBank al HabibNational Bank of Pakistan Bank AlfalahStanard Chartered Bank

HMB

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Company LogoProducts & ServicesA- DepositsHMB Basic Banking AccountHMB Premium Deposit SchemeHMB Mahana SchemeHMB Current AccountHMB Saving Plus AccountHMB PLS Saving Account with free life insuranceHMB Super current AccountHMB Privilege 55+ Savings Deposit

HMB

Company LogoAccount Open withRs. 1,000/-No minimum balance is RequiredNon-remunerative accountNo limit on number of ATM / Deposit transactions

Company LogoMinimum Investment with Rs. 25000Profit Rate upto 11.00 % paInvestment for 1,3 or 5 years

Company LogoMinimum Investment with Rs. 25000Easy loan facility.En-cashable any time.Monthly Profit credited to your account automatically.Investment for 1,3 or 5 years

Company LogoAccount Open with Rs 5,000/-Minimum balance to maintain in the account is Rs. 1,000/-No profit is paidNo deduction of Zakat

Company LogoInitial Deposit Rs.25000Profit Upto 8.0 % p.aProfit quarterly Basis

Company LogoAccount open with Rs.1000Minimum amount to maintain account Rs.500Free life Insurance cover.

Company LogoAccount open with Rs. 100,000/-No deduction of ZakatRent Free Lockers Online Funds Transfer

Company LogoA savings account for 55 year old & above. Initial Investment Requirement-Rs.25,000/- Attractive return of 9% Free Life Insurance up to 65 years, a unique feature available only to HABIBMETRO privilege 55+ customer. Easy Loan Facility

Company LogoProducts & Services B- ADVANCESHMB Personal LoanHMB Auto FinanceHMB Auto LeaseHMB Education LoanHMB

Company LogoHMB PERSONAL LOANClean Loan up to Rs.500,000Processing fee is the 1% of Loan or Rs.2000 Which ever is High

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HMB AUTO LEASEOffered to our commercial andCorporate clientsDown Payment 10% Processing fee 0.5% of leasing amountRegistration in the name of BankHMB

Company LogoHMB Auto FinanceHMB Auto Finance available Upto 3 MillionMinimum 15% Down PaymentProcessing Fee Rs.4000Registered in the name of Customer

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Company LogoHMB Education LoanEducational loans are offered to:GraduatesPost GraduatesPhDDiploma courses

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Company LogoServicesHMB Call CenterHMB GSM Mobile BankingHMB Rent Free LockersPOS ( Point Of Sale )

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Company Logo24 hours card blocking of HMB access (ATM /Debit Card) in case of loss or theftDail 0800 42242Instant access to the information you need at any time, from anywhere

Company LogoBalance InquiriesTransaction InquiriesOther InquiriesInward RemittancesOther Banks Cheque ClearedOther Banks Cheque ReturnedYour Cheque ClearedYour Cheque Returned

Company LogoCash can be withdrawn up to Rs. 250,000/- via HMB ACCESS (ATM / Debit card).

No need to issue cash cheques and no need to wait.

Company LogoHMB Rent Free LockerSecureAvailable in,Size Security Deposit

Small Rs. 20,000Medium Rs. 35,000Large Rs. 60,000Extra Large Rs. 100,000

Company LogoCash can be withdrawn up to Rs. 250,000/- via HMB ACCESS (ATM / Debit card).

No need to issue cash cheques and no need to wait.

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FINANCIAL ANALYSIS

HMB

Company LogoFinancial HighlightsFor the Year Dec '11Dec '10Shareholders Equity 24,32620,954Paid-up Capital 10,4788,732Total Assets 288,219252,211Deposits 185,400160,458Advances 109,657119,828Investments 147,525100,994Earnings Per Share (Rs.)3.133.23(Rupees in million) HMB

Company LogoFinancial Highlights(Rupees in million) Profit After TaxHMB

Company LogoSWOTHMB

Company LogoSTRENGTHSLarge capital base.Asset utilization is very good.Rank in top 10 bank of Pakistan.Loyal management.Bank is continuously focusing on developing new and innovative products to attract their target market.

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Company Logo42WEAKNESSESNo Advertisement No further growth in branches.Majority of shares are owned by the one family.Low consumer finance.Less job satisfaction of employees.

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OPPORTUNITIESAttract Foreign investors due to dual banking regulations.Provide online facility to every customer.Can introduce new products and services

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Company LogoTHREATS:Adverse impact of Credit Crisis can badly effect on HMB.Political instability.Inflation Stiff competition

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Company LogoPEST AnalysisHMB

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PoliticalPolitical InstabilityIncrease in Tax rateComplexity in LawBad Policies of Govt.

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EconomicEconomy Of Pakistan is facing big Problems such asEmploymentInflationIlliteracy

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SocialPopulation Trend CultureReligious FactorJoint Family SystemLow Standard of Living

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TechnologyNew TechnologyOnline ServicesUsing New Software

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RECOMMENDATIONSIntroduction of new products /services in the marketHire new skilled managementGive importance to all customersIncrease the branches in the countryImprove standard of bankingHMB

Company LogoConclusions HMB offers branch banking, e-banking, consumer banking, international banking to facilitate their customersThe credit ratings denote a very high credit quality, a very low expectation of credit risk and a very strong capacity for timely payment of financialHMB

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Company LogoThank You !

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