Professional Documents
Culture Documents
Submitted by:
Supervised by:
Attock City
Habib Bank Limited
Jahan Khawab Wahan HBL
DEDICATIONS
To those teachers who really struggle with their students to provide them with true knowledge as
the students put face the current challenges of coming world international business.
To those students who work to meet their study resources and cover their expenses from their
Earnings, they love and respect their teachers and desire to seek true knowledge from them.
We dedicate this report to our parents who really contributed in our efforts they fully supported
us morally, financially and gave us such strengths and courage that helped us a lot in gaining.
And a big thanks to our seniors who helped us to write a report.
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ACKNOWLEDGEMENT
All praises and appreciation are for Almighty Allah. The most beneficial and the most merciful,
the gracious and the compassionate whose bounteous blessings and exaltation flourish my
thoughts and thrived my ambitions to have the cherish fruit of our modest efforts in form of this
manuscript from the blooming springs of blooming knowledge.
My special praise is for the Holy Prophet (S.A.W.W) the most perfect and exalted among and of
ever born on the surface of earth who is forever, a torch of guidance and knowledge for humanity
as a whole.
We feel highly privileged to describe the most an ever burning flame of gratitude and deep sense
of devotion to Mr. Javed Bhatti. Under his auspicious, we took the information and completed
this task assign to us. We are grateful to his ever inspiring guidance, keen interest, scholarly
comments, scholastics and constructive solutions and polite behavior throughout our project
duration.
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Table of Contents
1-Executive Summary ................................................................................................................................... 1
2-INTRODUCTION.......................................................................................................................................... 2
3.0 OBJECTIVES OF HBL ................................................................................................................................. 3
3.1 Vision................................................................................................................................................... 3
3.2 Mission ................................................................................................................................................ 3
4-ORGANIZATIONAL CULTURE ...................................................................................................................... 5
5- Job Analysis ............................................................................................................................................... 6
The Interview for job analysis: .................................................................................................................. 6
Questionnaires method: ........................................................................................................................... 6
Observational method: ............................................................................................................................. 6
Job description: ......................................................................................................................................... 7
Job specifications: ..................................................................................................................................... 7
6- Recruitment .............................................................................................................................................. 8
6.1 Recruiting Goal .................................................................................................................................... 8
6.2 Recruiting Sources .............................................................................................................................. 8
6.1.1 External searches ............................................................................................................................. 8
6.2.2 Internal Search ............................................................................................................................... 10
6.2.3 Employee Referrals ........................................................................................................................ 10
6.3.4 Recruitment Alternatives ............................................................................................................... 10
7- Selection ................................................................................................................................................. 12
7.2 Reliability and Validity....................................................................................................................... 14
7.3 Cut off scores .................................................................................................................................... 15
8-Training and development....................................................................................................................... 16
8.1 Employee Training ............................................................................................................................ 16
8.2 Employee Development .................................................................................................................... 17
8.3 Organization Development ............................................................................................................... 17
9- Socialization and Orientation ................................................................................................................. 19
10-Conclusuion and Recommendations ..................................................................................................... 20
11-Bibliography ........................................................................................................................................... 21
1-Executive Summary
HBL established operations in Pakistan in 1947 and moved its head office to Karachi. Our first
international branch was established in Colombo, Sri Lanka in 1951 and Habib Bank Plaza was
built in 1972 to commemorate the bank’s 25th Anniversary. HBL has the largest Corporate
Banking portfolio in the country with an active Investment Banking arm. It encompasses product
offerings and services in Retail Banking and, in recent years, Consumer Banking as well.
Satisfying customers are the only way to stay competitive in today's Market place. The balancing
act between what customers want and what the HBL can provide must be optimized in order to
maximize HBL’s long-term profits.
HBL is expanding its presence in principal international markets including the UK, UAE, South
and Central Asia, Africa and the Far East. With a domestic market share of over 40%, HBL was
nationalized in 1974 and it continued to dominate the commercial banking sector with a major
market share in inward foreign remittances (55%) and loans to small industries, traders and
farmers. International operations were expanded to include the USA, Singapore, Oman, Belgium,
Seychelles and Maldives and the Netherlands.
HBL is currently rated AA (Long Term) and A-1+ (Short term). HBL is the first Pakistani bank
to raise Tier II Capital from external sources.
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2-INTRODUCTION
HBL was the first commercial bank to be established in Pakistan in 1947. Over the years, HBL
has grown its branch network and become the largest private sector bank with over 1,500
branches and 1,300 ATMs across the country and a customer base exceeding five million
relationships.
The Government of Pakistan privatized HBL in 2004 through which AKFED acquired 51% of
the Bank's shareholding and management control. HBL is majority owned (51%) by the Aga
Khan Fund for Economic Development, 42.5% of the shareholding is retained by the
Government of Pakistan (GOP), whilst 7.5% is owned by the general public i.e. over 170,000
shareholders following the public listing that took place in July 2007.
With presence in 25 countries, subsidiaries in Hong Kong and the UK, affiliates in Nepal, Kenya
and Kyrgyzstan and rep offices in Iran and China, HBL is also the largest domestic
multinational. The Bank is expanding its presence in principal international markets including
the UK, UAE, South and Central Asia, Africa and the Far East.
Key areas of operations encompass product offerings and services in Retail and Consumer
Banking. HBL has the largest Corporate Banking portfolio in the country with an active
Investment Banking arm. SME and Agriculture lending programs and banking services are
offered in urban and rural centers.
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3.0 OBJECTIVES OF HBL
Like other business organization the core desire of Habib Bank is to maximize the profit through
saving & loaning money to the life of the common people. The Objectives of the Habib Bank is
given below:
I. Broad Goal:
Ash a nationalized commercial organization, Habib Bank belongs to the people. It implies that it
stands for meeting the banking needs of the mass people of the society.
II. Operating Goal:
In compliance with the very nature of the organization, the objective in mind the bank aims at
excelling quality and diversified services. To fulfill its mission Habib Bank has its main
objectives as followings.
To earn profit for the Bank itself and maximize its shareholder’s value.
To provide solutions for multiple requirements of clients of diverse
Financial nature.
To manage with the changing trends of the modern day financial market.
To be a diversified bank by offering all basic consumer services along with
Specialized services
Honest and ethical conduct, including ethical handling of actual or apparent conflicts of
interest between personal and professional relationship.
To provide employment opportunities to people.
To help in development and industrialization of the country.
3.1 Vision
Simply the vision of Habib Bank is mass banking. At the time of formation it changed its motto
from class banking to mass banking. Expedite the economic growth of the country through
spreading the banking services to the doorsteps of mass people so that they get institutional
financial help and participate in the economic activities of the country.
“To be the premier organizations operating locally and internationally that provides the complete range of
financial services to all segments under one roof.”
3.2 Mission
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Products and services, and granting superior value to our stakeholders – shareholders, customers
and employees”.
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4-ORGANIZATIONAL CULTURE
Organizational culture is the behavior of humans who are the part of an organization and the
meanings that the people react to their actions. Culture includes the organization values, beliefs,
working language and system as well as way of dressing.
HBL has a strict rule and regulations and employees learn culture by managers, trainings are
conducted, books and different workshops are organized for the employees. A system of shared
meaning held by members that distinguishes the organization from other organizations.
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5- Job Analysis
David A. Decenzo and Stephen P. Robbins said about job analysis they say that job analysis is a
systematic explorations of the activities within a job. It is a technical procedural used to define
the duties, responsibilities and accountabilities of a job. This analysis “involves the identification
and description of what is happening on the job . . . accurately and precisely identifying the
required tasks, the knowledge, and the skills necessaries for performing them, and the conditions
under which they must be performed.” The procedure for determining the duties and skill
requirements of a job and the kind of person who should be hired for it is called Job analysis. Job
analysis is every important as job analysis information is used in Selecting and recruiting,
compensation, performance appraisal, training and in resolving other issues which HBL faces.
HBL takes Job analysis services from Sidat Hyder Morshed Association (SHMA) which is
the biggest HR consulting firm in Pakistan. The methods which are used in collecting job
analysis information are
Individual interview method.
Questionnaires method
Observation method.
Questionnaires method:
Book says this in questionnaire the employees solve the fill out questionnaires to describe their
job-related duties and responsibilities. The formats of questionnaires are either structured or open
ended.
HBL is against of this method, they think it is time consuming and get nothing.
Observational method:
Using the observation method, a job analyst watches employees directly or reviews of workers
on the job.
HBL is not with this method because employees performed well if organization check their
employees individually and continuously so this method give poor results in the mind of HBL.
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Job description:
After getting job analysis information the next step is to describe job description which contains
the points of job identification, job summary, chain of command relationships), responsibilities
and duties, standard occupational classifications and standard of performance and working
conditions. A job description is a written statement of what the jobholder does, how it is done,
under what conditions it is done, and why it is done. An example of job description for a Benefits
Manager is provided. HBL provided this method to their employees they facilitate them.
Job specifications:
After formulating job description the next step taken is job specification in which the traits of
employees are defined who are assumed suitable for the job.
Identifies the knowledge, skills, education, experience, certification and abilities needed to do the
job efficiently as HBL specialized their employees through training and HBL take more work
from them and they give good response to organization and give work efficiently.
What approach of job specification HBL used? (Either focus on the skills and potential or on the
education and qualification?) We asked this question from HR Recruitment Department and they
said HBL used both skill & Qualification. HBL need only those employees who are skilled or
qualified.
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6- Recruitment
Identify candidates:
HBL identifies its candidates by developing the criteria of job description and jobspecification and acting
upon these criteria job vacancy ads are spread through different Medias like newspapers and internet.
• Advertising
1. Newspapers (Daily Jung, Nawa-e-Waqt, The Nation, Dawn and Daily Khabrein etc)
2. Trade and professional journals (Aurora Magazine)
3. Internet job sites (rozee.pk)
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HBL uses a website for recruitment. 100% response HBL get from the cyberspace recruiting
(website).
Book will describe three forms of employment agencies: public or state agencies, private
employment agencies, and management consulting firms.
Campus recruitment:
HBL is proud of its ability to nurture individuals and empower them to hone their talents.HBL
size gives itself the unique ability to provide fast growth and significant responsibility early on in
a career with multiple avenues to reach the top. As part of HBL’s human resource strategy, HBL
visits various universities across the country to induct & groom fresh business graduates every
year. Enthusiastic and talented youth form the backbone of its banking operations and are
nurtured to become future leaders at HBL. To attract the best young talent, HBL’s resource
department employs a pro-active strategy. HBL actively participates in campus seminars by
giving presentations that highlight HBL’s background, vision, mission, values, recruitment &
selection process, future career prospects and overall business strategies. HBL hires fresh talent
on a permanent basis and offer a wide range of career opportunities across all functions, including
Finance, Marketing, Operations, Information Technology and Human Resources.
As part of HBL’s human resource strategy, we visit various universities across the country to
induct & groom fresh business graduates every year. Enthusiastic and talented youth form the
backbone of our banking operations and are nurtured to become future leaders at HBL.
To attract the best young talent, our resourcing department employs a pro-active strategy. We
actively participate in campus seminars by giving presentations that highlight HBL’s background,
vision, mission, values, recruitment & selection process, future career prospects and overall
business strategies.
We hire fresh talent on a permanent basis and offer a wide range of career opportunities across all
functions, including Finance, Marketing, Operations, Information Technology and Human
Resources.
HBL is proud of its ability to nurture individuals and empower them to hone their
talents.HBL size gives itself the unique ability to provide fast growth and significant
responsibility early on in a career with multiple avenues to reach the top.
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6.2.2 Internal Search
1. Job Posting
Job posting:
Related to job’s advertisement, HBL posted the job opportunity in their own personal r internal
website.
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Employee Leasing
Individuals who are hired by one firm and sent to work in another for a specific duration of time.
Whereas temporary employees come into an organization for a specific short-term project, leased
employees typically remain with an organization for longer periods of time. HBL hired leased
employees those who are for longer period of time because these employees are also well-trained
individuals. They are screened from the leasing firms, trained appropriately and HBL checked
their performance on daily basis.
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7- Selection
Selection Process
This process involves selecting the employees by follow the eight steps that include the initial
screening interview, completion of the application form, employment test, and comprehensive
interview, background investigation, realistic job preview, conditional job offer, medical
/physical exams, permanent job offers.
Selection process HBL follow is that Written test followed by panel interview. HBL prefer Test
& interview conducted while doing selection of new employees.
The diagram below represents the process on which HBL’s selection is based. This gives an
overview to potential candidates as to the steps involved in becoming a part of the HBL team.
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Pre-screening and short listing:
Selection board goes through those CVs and selects those candidates which initially fulfill the
criteria of selection board. After prescreening the HBL selection board short lists the candidates
who are considered most suitable for job at initial level on the basis of their resume.
Test/ interview:
In this process short listed candidates are called for test and interview according to nature of their
applied jobs.
Selection interview.
Formats used in selection interview:
Structured/Directed
Unstructured/Non directed
Modes of Interview:
• Panel interview
• Structured sequential interview
Types of questions:
Situational
Job Related
Stress
Puzzled Questions
Selection Interview:
Selection interview HBL is conducted for short listed candidates. A selection interview is
the procedure designed to predict future job performance on the basis of applicant’s oral
responses to oral inquiries.
Final Selection:
After going through all the processes the best candidates according to HBL’s selection boards are
selected.
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Orientation:
Just after final selection and before starting of training process orientation is conducted for
selected employees in orientation new employees are provided with basic background
information about the HBL the basic contents of successful orientation are
Information on employee benefits
Personnel policies
The daily routine
Company organization and operations
Safety measures and regulation
For any predictor to be useful, scores it generates must possess and acceptable level of reliability
or consistency of measurement. This means that the applicant’s performance on any given
selection device should produce consistent scores each time the device is used.
Although HBL attempts to provide accurate, complete and up-to-date information, which has been
obtained from sources that are considered reliable, HBL makes no warranties or representations,
express or implied, as to whether the information provided on or via this Website is accurate, complete
or up-to-date. HBL makes no representations and disclaims all express, implied, and statutory warranties
of any kind to you or any third party, including, but not limited to, representations and warranties
regarding accuracy, timeliness, completeness, merchantability, or fitness for any particular purpose. HBL
assumes no responsibility for the consequences of any errors or omissions.
Test validity
The consistency of scores obtained by the same person when retested with the identical
or equivalent tests is called reliability and the accuracy with which a test and interview what it
purports to measure or fulfills the function it was designed to fill is referred as validity.
Types of test:
Generally two types of tests are taken in HBL
Tests of Cognitive ability
Physical tests
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Cognitive test abilities consists of
Intelligence Tests
Tests of general intellectual abilities that measure a range of abilities, including memory,
vocabulary, verbal fluency, and numerical ability are intelligence tests.
Aptitude tests
Tests that measure specific mental abilities, such as inductive and deductive reasoning, verbal
comprehension, memory, and numerical ability are aptitude tests.
Higher scores on selection instruments are usually associated with higher levels of job
performance. The expression "more is better" captures this notion. The manager may want to
consider only candidates showing higher levels of performance. Whatever the initial preference
of the manager, he/she will want to consider several factors before making a cut-off score
decision.
HBL get success in hiring of corrects hires and correct rejection because it provides training to
the news employees as well as also the 17 and its onward grades employees and if such
employees passed the special courses of CTR (Common Training Program Lahore) so then they
will also selected for the higher grades so in such a manner organization wills knows that who is
correct or wrong for an organization.
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8-Training and development
For training and developing HBL follows five steps process of training and development:
Needs analysis: Identify job performance skills needed, assess prospective trainee’s
skills, and develop objectives.
The most widely used training methods take place on the job.
Coaching or understudy: it is done at all level of the jobs. It is the OJT method in which
employee is coached and taught by profession that how to do the job in order to meet
HBL’s goals and objectives.
Audio/Video: HBL used audio and video training method for the new applicant’s.
Off-the-job Training:
• Case study methods: special case studies are given to employees which contains some
dilemma about banking sector. By solving those case study problems employee gets
training to take bold and effective decision in crucial situations.
• Outside seminars: HBL encourages its employees to participate in the seminars arranged
by banking sectors not just in the Pakistan but also beyond the borders. By participating
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in outside seminars employee gets authentic knowledge about the new horizons of
banking sector which is useful for HBL and makes it leading bank in Pakistan.
Succession Planning:
Job Rotation: Moving a trainee from department to department to broaden his or her
experience and identify strong and weak points. HBL’s Manager Associate program is
used for job rotation training.
Special Assignments: These assignments are actually related to tasks within the branch
by achieving those tasks assigned by trainer, employee get training.
Action Learning: Management of HBL trainees are allowed to work full-time analyzing
and solving problems in other departments.
Outdoor Training: Outdoor training typically involves some major emotional and
physical challenge.
Habib Bank Limited (HBL) is the most recently privatized amongst the local big banks in
Pakistan. HBL is the leading private bank in Pakistan with over 1400 branches and international
outreach of more than 30 branches across the Globe.
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HBL was privatized in 2004 and since then has emerged head on with the competition because of
its aggressive and effective customer oriented strategies, especially re-branding and revitalization
of branches. HBL has a workforce of around 15000 employees, most of which had been part of
the pre-privatization phase.
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9- Socialization and Orientation
Socialization process of adaption to a new work role. When the new employees joined the HBL
their way of working pattern is totally different and interaction with colleagues is minor. In such
away we socialized them by giving team works that will help them to interact with their
colleagues easily and it will also help them to understand the organization rules and regulations.
HBL also socialized the employees by allowing them that they have a right to share their ideas
and their problems regarding to job. All employees of each grade are considered to be an equal.
If new employees facing problems related to the jobs so we motive them by providing extra
training courses that will help them about their actual duties in an organization.
In HBL socialization process is favorable new employees who passes through three stages of
pre-arrival at this stage they have their own working scenario after it they making comparison
with their previous and current job here we provide the facility of providing different training
courses that help them to their jobs. In last stage of metamorphosis employees are able to
understand that how to be stable in an organization. Now it is up to the employees who wants to
commit with or leave the organization. But we provide the Specific training to them so if they
quit from the job on the basis of their specific training experience they easily get new job.
HBL provide employees enough time to socialize and adopt with the organizational
environemnt.
Orientation:
The activities involved in introducing new employees to the organization and their work units.
Orientation is a process in which tells about the organization objectives and its rules or
regulation, HRM practices etc. That mostly given by the supervisor or CEO. But in HBL not
assigned specific duty to the supervisor that to orient about the organization to the employees.
When they hired new employee they send them to different training center’s where they come to
know about an organization and learn organization culture.
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10-Conclusuion and Recommendations
Conclusion
HBL is clearly the first choice of everyone 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. Corporate and commercial functions are distinguished features 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
There should be authority in every region which ensures efficient flow of communication
and its understanding.
HBL should immediately take brave steps towards the welfare of experienced Habibians.
In this regard NBP has set best example.
The management should try to decrease job insecurity among the employees.
Training program should be started for internees and newly appointed employees.
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 whenever possible.
Adding of value added features that offer competitive advantage is also a means of
avoiding customer dissatisfaction.
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Bibliography/References
1. Seventh Edition Human Resource Management, David A. Decenzo and Stephen P. Robbins in
their book Part 3: STAFFING THE ORGANIZATION, chapter 5 Job Analysis. p.124
2. Seventh Edition Human Resource Management, David A. Decenzo and Stephen P. Robbins in
their book Part 3: STAFFING THE ORGANIZATION, chapter 6 Recruitment. p.148
3. Seventh Edition Human Resource Management, David A. Decenzo and Stephen P. Robbins in
their book Part 3: STAFFING THE ORGANIZATION, chapter 7 Foundations of Selection.
p.174
4. Seventh Edition Human Resource Management, David A. Decenzo and Stephen P. Robbins in
their book Part 4: TRAINING AND DEVELOPMENT, chapter 8 Socializing, Orientation, and
Developing Employees. p.206
5. Human Resource Manager of Habib Bank Limited, Attock branch and Hazro branch.
6. http://www.scribd.com/doc/19406057/Human-Resource-Management-at-HBL-PAKISTAN
7. http://www.scribd.com/doc/28664322/HBL-Final-Project
8. http://www.hbl.com/about-us.php
9. http://www.hbl.com/individual-customers-services.php
10. http://www.hbl.com/
11. www.willey.com/college/decenzo
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