REPORT ON HABIB

METRO
GROUP MEMBERS

CONTENTS
Acknowledgement
INTRODUCTION

MISSION AND VISION

STATEMENT
HISTORY
CURRENT MARKET
STRUCTURE
CREDIT POLICY
LOAN ADMINISTRATING
TEAMS
EXPANDING THE MARKET
STRUCTURE
THE APPROVAL AND
CHECKING OF FINANCIAL
DOCUMENTS
LIST5 OF TOP 10

CUSTOMERS

 BIGGEST COMPETITORS
EFFECT OF MARKET STRUCTURE
ON ECONOMIC GROWTH

FINANCIAL DOCUMENTS OF
HABIB

Acknowledgement:

First and foremost thanks to Almighty Allah,

the most merciful.
We sincerely thank our instructor Maam
Sabiha Abid for the guidance and
encouragement in finishing this project.
I express my warm thanks to Mr. Asif Iqbal
and Mr. Mukesh Shahani for his support and
guidance at Habib Metro Bank.
As a group leader I would like to thank all the
members of the group for their help and
guidance without which this project would not
have been possible.

INTRODUCTION OF HABIB
METRO
Habib Metro Bank is a subsidiary of
multinational bank, which operates in
Hong Kong, Singapore, United Arab
Emirates, Kenya, South Africa, United
Kingdom and North America.
Habib Metro was incorporated in Pakistan
in1992, formerly known as Metropolitan
Bank Limited.
HMB has retail banking, trade and finance
and has a share of 17% of the countrys
trade and also offers E-Banking.

Mission Statement
To be Leading and Preferred Financial
Service Provider to our customers

Vision Statement
Based 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

HISTORY

Habib Metropolitan Bank was incorporated

in Pakistan as a Public Listed Company in 1992
under the name, Metropolitan Bank Limited.
The Bank commenced, duly licensed, full
scheduled commercial-banking operations in
October 1992.
Metropolitan Bank, from October 1992 to
September 2006, remained, providing its
nationwide 51-branch on-line network,
established as a provider of trade finance
services. On October 26, 2006, Habib Bank AG
Zurich's Pakistan Operations merged into
Metropolitan Bank Limited and the merged
entity was named Habib Metropolitan Bank.

CURRENT MARKET STRUCTURE

Currently the banking industry is following the

perfectly competitive markert structure as there
are many banks operating in the country.
In economic theory, perfect
competition(sometimes called
pure competition) describes markets such that
no participants are large enough to have the
market power to set the price of a
homogeneous product. Because the conditions
for perfect competition are strict, there are few
if any perfectly competitive markets
Expanding the market structure:
They're currently working on 50 new branches
to be opened in the upcoming year. They've
their budgeting done till 2020 and review them
every alternate year to make the changes
according to the economic situation of the
country.
Credit policy:
Habib metro's policy is to attract large portfolio

of customers by providing lowest marketing rate

in banking industry. Management must decide
on credit standards, which involves decisions
on how much credit risk to assume. These
decisions play a large role in determining how
much money a firm ties up in its receivables. A
restrictive policy will most likely result in lower
sales, but the firm will have a smaller
investment in receivables and incur less bad
debt losses, Less restrictive policies will
generate higher sales as well as a higher
receivables balance, but the company will most
likely incur more bad-debt losses and a high
opportunity cost of holding capital in accounts
receivables.
The Credit Department reports to the office of
Treasurer. It includes all functions relating to the
extension of credit, collections, and cash
application. The Credit Manager establishes all
credit limits, has final authority to release or
hold all orders when credit problems exist,

decides when credit privileges should be

revoked, and decides when formal credit
activity should be initiated.

Loan Administrating teams

It is very important to work with loan
administrating team. Everything which is
approved is fed into the system by the loan
administrating team which is known as limit
authorization unit. There are many if and buts
and errors and it is the work of the authorization
unit to check transaction the security, mode of
payment, the term of loan and amount of
installment then it is finally fed into the system
and transaction is made.

THE APPROVAL AND CHECKING OF

FINANCIAL DOCUMENTS

For every transaction the credit administration

is given a pre disc to check and then to feed it
into the system. It is recommended by branch
manager and approved by area managers and
zonal heads and then the transaction is
dispersed.

GROUP MEMBERS INTERVIEWING

THE BANK MANAGER, MR. MUKESH

LIST OF TOP 12 CUSTOMERS OF

HABIB METRO
1.
2.
3.
4.
5.
6.
7.

Gul Ahmed Textile ltd

Lucky Cement
PSO
Dawlance Group
Nat5ional Refinery
Indus Motors Comapny
Stallion textile mills

8. Gadoon textile PVT LTD

9. Hafeez Ghee & General Mills
Pvt Ltd
10. Pak Suzuki Motors.

11. ICI Pakistan LTD.

12. Engro Group.
COMPETITORS
Habib metros biggest competitors are:
Bank al habib
NIB
Soneri bank
We believe that our competitors make us
stronger and we compete in ever field may
it be good salary schemes, employees,
efficiency and value our each and every
customer.

EFFECT OF MARKET STRUCTURE ON

ECONOMIC GROWTH
Perfect competition does not affect the
economic growth of the country however it
strengthens their companys economy since
there are not many ups and downs in the
company as everything is strategically
planned.

References
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