project on hbl of mis

Project On HBL

Management Information System : MIS3663

Project Proposal

Project Origin:

Group Name:

WHITE TIGERS

GROUP MEMBERS: Abdul Majeed 0009HM Shakir Abdullah 0027Muhammad Ahmed 0028Bilal Ahmed 0022 MCOM5A

Submitted To:

PROF. AHSAN HUMAYUN

Submission Date:

04-12-2015

2University Of Central Punjab

http://www.ucp.edu.pk/index

Table Of Contents

Sr.No Description Page

No1 Acknowledgment 42 Formulation of banking sector 53 Introduction of HBL 64 Management Information System 125 Networking 176 Hardware's 227 Software's 238 Conclusion 249 References 24

Acknowledge


In the name of Allah the Most Merciful And Kind 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 this Phase 1, It is all because of Almighty Allah’s great guidance that made us so able

to complete this task, and we would like to thank our respected teacher Ahsan Humayaun Sahib

for giving us opportunity to do this project, and I (Abdul Majeed) would also like to say special

thanks to My Team Member, H M Shakir, Muhammed Ahmed, and Bilal and to the following

staff of HBL who helped us a lot in this project.

Name

Tauqeer Niami Area manager

Shoiab Usman Credit manager operation

Muhammed Qaiser Manager Trade

Madam Adeena Bhatti Cashier

Umer Munawar General banking

Kamran Yusuf IT Officer

Formulation of the banking system:

According to one school of thought the word bank is derived from Italian word Bancus or

Banque which mean s a bench, According to second school of thought it is derived from a


Germen word Back which means Joint Stock fund, But irrespective of this ,for us as we live in

this era the word bank is the most beneficial and important word especially in our daily business

life.

The concept of banking system is directly related to the time from when we realize the

importance of monetary system, before that barter system was used for all the transactions but as

we started using money ,paper money or whatever the need of an controlling institution was felt ,

Banking system In Pakistan

If we talk about Pakistan At the time of independence, there were 631 offices of banks in

Pakistan, of which 487 were located in West Pakistan. As a new country without resources it

was very difficult for Pakistan to run its own banking system immediately. Therefore, Reserve

Bank of India was allowed to continue to function in Pakistan until 30th September 1948, so that

problems of time and demand liability, coinage currencies, exchange etc. be settled between

India and Pakistan. The non-Muslims started transferring their funds and accounts to India. By

the end of June 1948 the number of officers of scheduled banks in Pakistan declined from 631 to

225. Similarly the Reserve Bank of India was not in the favor of Govt. of Pakistan. The Govt. of

Pakistan decided to establish a full-fledge central bank. Consequently the Governor-general of

Pakistan Quaid-I-Azam inaugurated the State Bank of Pakistan on July 1, 1948. Thus a landmark

was made in the history of banking when the state bank of Pakistan assumed full control of

banking and currency in Pakistan. The banking structure in Pakistan comprises of the following

types.

State Bank of Pakistan

Commercial Bank of Pakistan

Saving banks.

Cooperative banks

Specialized credit institutions.


The state bank of Pakistan is the head of the all banks and was established on July 1, 1948.and

commercial banks are those banks which fulfill our short term needs especially in business

transaction, in Pakistan we have following banks fulfilling our requirements

National Bank of Pakistan

Muslim commercial bank limited

Habib Bank Limited

United Bank Limited

Allied Bank of Pakistan

Habib Bank Ltd

Type

Public Limited Company

Founded

Bombay (now Mumbai), in 1941.

Headquarters

Habib Bank Plaza, Karachi,

Industry

Banking Capital Markets

Products

Loans, Credit Cards, Savings, Consumer Banking etc.

GDP Rs27.384 trillion 2014/2015


Profits for the year 2014

31.8 billions

Website

www.hbl.com

Branches in Faisalabad

Abdullah Pur Branch

Agricultural University Branch

Madina Town Branch

Akbar chock Gulastan colony Branch

Bhawana bazar Branch

Clock tower Branch

Fawara chock Branch

Gulberg colony Branch

Samnabad Branch

and many more

we have choosed Madina Town Branch branch for our project


Brief history of HBL

Hbl is the only bank which got the honour in which the father of the nation Quaide azam opened

his account he was the first person to open account in the bank,it started making history on 3oth

of august 1941,it was the first muslim bank in subcontinent. Mohammad Ali Habib was the

founder of this habib bank at the time of start its total paid up capital is 2.5 million but because

of his efforts bank touches the sky with in no time.

In 1942, on the desire 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. There are more then thousand branches inside the Pakistan and about 66 Branches

overseas providing financial services to its worthy customers.

Habib Bank is working for the last 66 years and become the largest commercial bank in the

country. Habib Bank has innovated a numbers of financial schemes like term deposits, Special

notice term deposits, A.T.M. etc. As governments are hoping to be liberal and their policies are

innovative and liberal the scope of banking is increasing and Habib Bank is on step ahead if the

growth and participating very much in the economic growth of Pakistan.

Habib bank HEAD QUARTER is situated in KARACHI that building has highest number of

stories in Pakistan. Habib bank has basically 9 Regions all over the country those control the

entire activity of Habib bank operation is countrywide.

Vision

"To be a quality financial service provider maintaining the highest standards in banking

practices".

Mission

"To be a strong and stable financial institution offering innovative products and services while

contributing towards the national economic and social development".


Hierarchy

The Hierarchy means designations or different posts in a company who are answerable to each other for the betterment of the company. In HBL Madina town Branch the Hierarchy is

The r=Regional Chief Executive is the head or on the top and under him two general managers are working for the betterment of the bank, one is responsible for operations of the bank and other will look after the assets of the company. both are answerable to RCE.


RGM-AssetsRGM-Opps

Credit Hub Manager, Area Manager And Area Operation Manager they are the equal ranks in the bank and are heads of their departments, Credit Marketing Officer is responsible for providing loans against assets and is answerable to credit hub manager who will answer to RGM-Assets, cashiers and CRM are there to serve the customers and will report to the area manager


Products & Services:

As Habib Bank is the 2nd largest Banking sector in Pakistan So its products and services are no

doubt better and different from others. In order to maximize customer convenience, they offer

ONLINE SERVICES

ATMs

Mobile Banking

Call center

Bill Payments

E Statements

ACCOUNTS

Current Account

saving account

Foreign currency account

Fix Option

Treasury Bills

Provide finance for

Personal Loan

Car financing

Corporate finance


CARDS

Debit card

visa card

credit card

Competitors:

National Bank

MCB

UBL

ALLIED BANK

ALFALAH BANK

ASKARI BANK

MEEZAN

As far as UBL is concerned, Habib Bank feels that it is a competitor because UBL itself is a

sister HBL of Habib Bank as the Abu Dhabi Group has stake in UBL and so there is always a

comparison between them.

Furthermore, Askari Bank is a competitor because of the fact that the product and services that it

offers is fairly similar to that of Habib Bank and its markup rates are similar as well. MCB, after

being privatized has also introduced a wide variety of services and with its large number of

account holders, it is also a big competitor.

Acquisition:

City bank and Hsbc were foreign banks but are now acquired by Hbl.


MIS In Action

Information System:

MIS (Management Information Systems) is the hardware and software systems within an

enterprise that provide the information that management needs to run an Enterprise.

Management Information Systems (MIS) is the term given to the discipline focused on the

integration of computer systems with the aims and objectives on an organization.

With the help of information technology habib bank record the daily transactions that took place

from all over the Pakistan into a centralized database in real time which means there is no Batch

processing is taking place in habib bank all over the Pakistan. Every bank branch is an online

branch which is directly connected to the centralized server to keep the data up to date to avoid

any problems. As Time is money and due to IS measure habib banking concern make thousands

of proceedings per day in concept IS makes unit procedure large indefinite amount More areas

simpleton and dependable. Due to IS employees can easily connect with different branches

consumer divine service gets built online banking emerged and lot of others benefits. habib bank

Online is an innovative Online Banking religious service that you can semester to suit of clothes

your accurate banking needs. It gives us accessible pear-shaped the finance employment ranging

from day to day account transactions to the coin time financial information..Now we can manage

your finances anytime, anywhere

With computers existence as present as they are 24-hour interval locations hardly for any size

concern that does not rely extensively on their IT scheme. However there are several fact fields

in which MIS has become invaluable.

Strategy Support:

Computers can helps the management in taking decisions and making stretigies.MIS can be

used to transform information into info need for decision making. Computers can provide

business statements and public presentation reports to aid in the preparation, observance and

execution of strategy. By studying these reports conclusion makers can identify patterns and 14

University Of Central Punjab

trends that would have remained unseen if the raw data were consulted manually. MIS systems

can also use this raw accumulation to run simulations For example MIS systems can provide

predictions about the result on income that an adjustment in terms would individual on a product.

Data Processing:

MIS Not only helps the organization in processing of big amounts but also provide a valuable

welfare to the workforce, .Where in the past business concern information had to be manually

pure for formation.

Management by Objectives:

As MIS systems are extremely useful in generating applied mathematics reports and data

analytic thinking they can also be of use as a Management by Objectives MBO tool.MBO is a

management cognitive process by which managers and subordinates agree upon a series of

objectives for the underling to endeavor to achieve within a set clock time frame. Objectives

are set using the SMART quantitative relation that is objectives should be fact Measurable

Agreed, Realistic and Time Specific. The aim of these objectives is to provide a set of key public

presentation indicators ..Since all smartness objectives are by distinctness measurable they can

be tracked through with the contemporaries of administration reports to be analyzed by

conclusion maker.

Benefits of MIS:

MIS can deliver an extraordinary benefits to enterprises in every industriousness. Skilled

organizations along with good system of MIS can help the organization in achieving its goals.


Enhance Supply Chain Management:

Better coverage of concern for manufacturing process from sourcing of materials and most of the

data concatenation of supply includes distribution of products to improve the mechanism of

consultation with information on more than one aerodynamic Money product process inevitably

leads to power products

EBBS (Electronic Basic Banking System):

Core banking is the heart of any organization, HBL core banking application is EBBS

(Electronic Basic Banking System) which is the actual strength of this bank. EBBS are the

single software suit that work on these basic modules

Saving

Current Accounts

Customer Information System

New Accounts

Demand Deposits

Clearings

Time Deposits

Loans

Credit Lines

Automatic Transfers

Tax Information

On-Line Transactions

Authorizer

Cashiers Checks

Construction Loans

Sensitive Accounts

Warnings


Advantages:

1. Make transaction from home.

2. We can transfer funds while the depository financial institution is shut.

3. Most Banks if not all piece of work done an encrypted transmission channel with your

info

4. We can download a data file that holds Our history info and can reconcile our info very

easily.

Disadvantages:

1. If the bank's server is down, We can't use it

2. Some places will charge Us for online access .

3. Our net connection is essential to operate and for taking the advantage of it.

ECAP (Electronic Card Processing System):

Another core banking application that HBL is using is ECAP (Electronic Card Processing

System) which is used to manage all the Credit and Debit Cards of the account holders. The

software has these two basic modules

Debit Card

Credit Card

The most benefits of credit card processing system are:

Stability and Safety.17


Credit card processing gateways are 24-hour stable, i.e. they always function, and server

breakdowns occur very rarely. 128 bit SSL encryption and other certificate technologies shuffle

it impossible action for hackers to read and modify credit wag information.

Rapid Transactions.

Well its really beneficial for us especially if we are business man, just with one click we can

perform a transaction which can no doubt save our much time.

Fully Automatable.

Most e commercialism merchandiser accounts let their owners grip all the minutes as wellspring

as automatically physical process recognition identity card information.

24-hour Support.

E-Commerce merchandiser service providers will usually offer a free customer support religious

service which aid you to settle any questions without having to query the processing depository

financial institution directly.

Global Access.

We will be able to access our Online bank account from anywhere in the world, and any

computing device letting you review summary and dominance your credit entry card processing.

Instant Statistics.

The control condition Page of most e commercialism merchandiser accounts gives us elaborate

applied mathematics info regarding our consumers placement age etc, our money flow (incomes,

gateway expenses, totals, etc.), and other important information, which can be vital when market

strategies are being planned.

Visa, MasterCard, etc.


E-Commerce accounts are able to process any type of Visa and MasterCard s but the charges or

cost is depend on the concern bank policy.

Servers of HBL:

HBL has a centralized server machines running day and night to ensure the maximum uptime

and top notch quality to their applications which dramatically support their whole business

process. The bank servers resides in different cities and data centers of Pakistan i.e. Karachi,

Lahore, Islamabad and all of them are interconnected with each other for real time data update

and synchronization. As a rule stated by STATE BANK OF PAKISTAN; A bank must have 3

years of customer data in their servers. To abide this rule, HBL stores the last 3+ years of data

into their local sever which are residing in Pakistanis data centers for quick access of data and

other issues. The bank archives the old data to their Main Server and when any branch need to

access the old data; they connect to the Main servers and download the required data. The

configuration of server depends upon the load of work it handles and the application which

is running on the server. If the application is critical then the server is also of high configuration.

Networks in HBL:

Networking is the milestone achieved by HBL which gives the integration between information

systems of various departments. HBL is using CISCO networks to maximize the outcome and to

enhance the communication quality within their organization which results in the better

service. Standard Chartered has different types of network configuration for different scenarios;

some of them are discussed below.

Local Area Network (LAN):

The local area network (LAN) is running inside the organization and providing ultimate

connectivity between the employees and other persons. There are some Workgroup applications

also running over their LAN for easy collaboration between the employees of same and different

departments. The LAN is not exposed to the outside world for security reasons and there is


aproxy server running for connectivity outside the organization which makes sure the internal

network is not exposed to the internet

Network between data centre:

As HBL has different servers located at different areas of Pakistan, so the networking between

them is necessary. Each data center is directly connected to another datacenter using two links

(i.e. Radio & Optical Fiber) because if one link goes down, there is a second one to give backup

link, If a wired is cut off then the radio link is available for connectivity and if there is a

frequency block in radio link, there is a wired link to give backup to the network. Each branch

has two links, one is DXX which is connected to the nearest data center and another link is

VSAT which is connected to the second nearest data center to make sure branch keep working if

there is a problem occur in any one of the datacenters.


Diagram of ATM Machine:


Diagram Level 0 of ATM Machine:


HARDWARE USED BY HABIB BANK

The part that can 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.

Description Quantity

Database server 1

Related server 6

Network printer 1

Lcd monitor 20

Laptops 3

Laser printer 2

Printers 3

Scaners 2

Photocopier 1

Generators 1

Ups 2


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 system to perform certain task.

OPERATING SYSTEM SOFTWARE:

Misys 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

away that for example if customer opens an account in Habib Bank once thatinformation 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).

Multiuser Online Banking (MOB) is a customer made software and thecomputer language that h

as been used to develop is Common Business OrientedLanguage (COBOL).The software of

MOB has been kept different from same type of software so as to prevent unauthorized entry.


Communication software:

The communication between the departments is mostly done thru emails and the software used

for this purpose is

Outlook

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

CONCLUSION

HBL 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 markup 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.

References:www.hbl.com

www.wikipedia.com

Shoiab Usman (CMO HBL Madina Town Branch)

www.google.com 26


Thanks White Tigers For Supporting Me In This Project
