Project-MIS of HBL Pakistan

“HABIB BANK LTD”

“MANAGEMENT INFORMATION SYSTEM OF

HABIB BANK”

SUBMITTED TO:

SIR NASEEM QAISER

SUMITTED BY:

Management Information Systems 1


MUHAMMAD FAISAL MASOOD

HASSAN ALI HAMMAD

EMAILS: [email protected]

[email protected]

“TABLE OF CONTENTS”

Sr.No Contents Page

01 Acknowledgement 0302 Introduction And History of HBL 0303 Organizational Chart of HBL 0704 Management Information system 0804 Hardware used by HBL 1805 Software used by HBL 1906 Database Management 2107 Networking 2308 Online Presence 2409 Security and Backup 2510 Conclusion And Recommendation 2711 References 28



“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

V I S I O N S T A T E M E N TV I S I O N S T A T E M E N T



“Enabling people to advance with confidence and success”

M I S S I O N S T A T E M E N T

“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 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 thedesire 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 Indiawould continue to function in Pakistan so that the problem of demand 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 ofState 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, theGovt. 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

Scholarship Awards

Auto Cash Teller Machines

Owner Driver Taxi Finance

Gold Card Scheme

Monthly Investment Scheme.

Organizational Chart of HBL

Management Information Systems

PRESIDENTED AND CEO

7



BOARD OF DIRECTORS ( 7 Members)

G.E, IOBG G.E

CPOD

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

CIBG G.E, ARM

G.E, AGA

RBG

HEAD OF HUMAN RESOURCE HEAD OF FINANCE

HEAD OF INFORMATION TECHNOLOGY

SENIOR VICE PRESIDENTS

VICE PRESIDENTS

ASSISTANT VICE PRESIDENTS

GRADE ONE(I) OFFICERS

GRADE TWO(II) OFFICERS

8


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

differs from that of the earlier decades, in which most jobs involved some type of

physical labor applied on farms and factories.

Data versus Information:

Many people use the terms data and information synonymously. However

there’s a distinct and important 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

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

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

(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.

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

Monitors

Fax

Scanners

Printers

Keyboards

Mouse.


Management Information System

Transaction Processing

System

Management Reporting

System

Decision Support System

Office Automaton

System

14

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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:

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

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:

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

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


http://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

1 Application ServerDL320G5 (Core 2Duo), 4GB Ram, Raid 5 SAS 145GB HD x 3

1

2Database Server HP DL380G5 (Dual Core),

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

1

3Internet Server DELL (Dual Core), 4GB Ram,

Raid 5 SAS 145GB HD x 3 1

4LCD Monitors ACER 17" LCD Display

25

5 Laptop

Intel Centrino22.8 c2d/4gb/500gbfully Loaded(Toshiba) 1

6Dot Matrix Printer (136 Column)

Epson LQ-2180 24 pin Dot Matrix Printer 2

7Laser Printer HP LaserJet 4250n

2

8Scanner HP Scan jet 5590 Scanner

1



9Tape Drive HP Storage Works DAT72

/DLT Ext D

1

10COMPUTERS BRANDED DELL P4

25

11GENERATORS HONDA

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

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:

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

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:-

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



NetworkingNetwork 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:

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.

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).


http://www.hbl.com.pk/

http://www.hbl.com.pk/


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,

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.a. RAIDb. Hard Disk Moveable.c. DVDs.d. CDs.

Basis for Data Backup



Daily Basis. Weekly Basis. Monthly Basis.

CONCLUSIONHBL 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 theworkload.

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

Surveys must be conducted regarding customer satisfaction level and all employees of this dept. should look forward to getting feedback wheneverpossible.



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


mailto:ASAD-INFO

http://www.wekipedia.com/

http://www.ufone.com/

Project-MIS of HBL Pakistan

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