Contents

Definition ...................................................................................................................................................... 3 Origins and Evolution .................................................................................................................................... 3 Types of MIS.................................................................................................................................................. 4 Decision support system ........................................................................................................................... 4 Expert system............................................................................................................................................ 5 Executive information system .................................................................................................................. 5 MIS and Small Business ................................................................................................................................. 6 Advantages of MIS ........................................................................................................................................ 7 Enterprise applications ................................................................................................................................. 8 Developing Information Systems .................................................................................................................. 9 System analysis ......................................................................................................................................... 9 System design ........................................................................................................................................... 9 Programming .......................................................................................................................................... 10 Testing ..................................................................................................................................................... 10 Conversion .............................................................................................................................................. 10 Production............................................................................................................................................... 10 Maintenance ........................................................................................................................................... 11 Information Resource Management........................................................................................................... 11 MIS Personnel ............................................................................................................................................. 11 Management information system of Habib Bank ................................................................................... 12 Vision Statement of HBL ......................................................................................................................... 12 Mission Statement .................................................................................................................................. 12 Introduction of HBL ................................................................................................................................. 13 Products & Services of HBL ..................................................................................................................... 13 Organizational Chart of HBL .................................................................................................................... 14 Information System of Habib Bank ............................................................................................................. 15 MIS Management: ...................................................................................................................................... 15 Hardware Used By Habib Bank ................................................................................................................... 16 Software Used By Habib Bank..................................................................................................................... 17

Multi-User Online Banking (Mob) ............................................................................................................... 18 Data Base Management.............................................................................................................................. 19 Networking.................................................................................................................................................. 21 Online Presence .......................................................................................................................................... 22 Security & Backups...................................................................................................................................... 23 Conclusion ................................................................................................................................................... 25

Definition
MIS (management information systems) is a general term for the computer systems in an enterprise that provide information about its business operations. It's also used to refer to the people who manage these systems. Typically, in a large corporation, "MIS" or the "MIS department" refers to a central or centrally-coordinated system of computer expertise and management, often including mainframe systems but also including by extension the corporation's entire network of computer resources.

Origins and Evolution

The MIS represents the electronic automation of several different kinds of counting, tallying, record-keeping, and accounting techniques of which the by far oldest, of course, was the ledger on which the business owner kept track of his or her business. Automation emerged in the 1880s in the form of tabulating cards which could be sorted and counted. These were the punch-cards still remembered by many: they captured elements of information keyed in on punch-card machines; the cards were then processed by other machines some of which could print out results of tallies. Each card was the equivalent of what today would be called a database record, with different areas on the card treated as fields. World-famous IBM had its start in 1911. It was then called Computing Tabulating Recording Company. Before IBM there was C-T-R. Punch cards were used to keep time records and to record weights at scales. The U.S. Census used such cards to record and to manipulate its data as well. When the first computers emerged after World War II punch-card systems were used both as their front end (feeding them data and programs) and as their output (computers cut cards and other machines printed from these). Card systems did not entirely disappear until the 1970s. They were ultimately replaced by magnetic storage media (tape and disks). Computers using such storage media speeded up tallying; the computer introduced calculating functions. MIS developed as the most crucial accounting functions became computerized. Waves of innovation spread the fundamental virtues of coherent information systems across all corporate functions and to all sizes of businesses in the 1970s, 80s, and 90s. Within companies major functional areas developed their own MIS capabilities; often these were not yet connected: engineering, manufacturing, and inventory systems developed side by side sometimes running on specialized hardware. Personal computers ("micros," PCs) appeared in the 70s and spread widely in the 80s. Some of these were used as free-standing "seeds" of MIS systems serving sales, marketing, and personnel systems, with summarized data from them transferred to the "mainframe." In the 1980s networked PCs appeared and developed into

powerful systems in their own right in the 1990s in many companies displacing midsized and small computers. Equipped with powerful database engines, such networks were in turn organized for MIS purposes. Simultaneously, in the 90s, the World Wide Web came of age, morphed into the Internet with a visual interface, connecting all sorts of systems to one another. Midway through the first decade of the 21st century the narrowly conceived idea of the MIS has become somewhat fuzzy. Management information systems, of course, are still doing their jobs, but their function is now one among many others that feed information to people in business to help them manage. Systems are available for computer assisted design and manufacturing (CAD-CAM); computers supervise industrial processes in power, chemicals, petrochemicals, pipelines, transport systems, etc. Systems manage and transfer money worldwide and communicate worldwide. Virtually all major administrative functions are supported by automated system. Many people now file their taxes over the Internet and have their refunds credited (or money owning deducted) from bank accounts automatically. MIS was thus the first major system of the Information Age. At present the initials IT are coming into universal use. "Information Technology" is now the category to designate any and all softwarehardware-communications structures that today work like a virtual nervous system of society at all levels.

Types of MIS
A management information system (MIS) provides information needed to manage organizations efficiently and effectively. Management information systems involve three primary resources: people, technology, and information. Management information systems are distinct from other information systems in that they are used to analyze operational activities in the organization. Academically, the term is commonly used to refer to the group of information management methods tied to the automation or support of human decision making, e.g. 1. DECISION SUPPORT SYSTEMS 2. EXPERT SYSTEMS 3. EXECUTIVE INFORMATION SYSTEMS

Decision support system

A decision support system (DSS) is a computer-based information system that supports business or organizational decision-making activities. DSSs serve the management, operations,

and planning levels of an organization and help to make decisions, which may be rapidly changing and not easily specified in advance. DSSs include knowledge-based systems. A properly designed DSS is an interactive softwarebased system intended to help decision makers compile useful information from a combination of raw data, documents, personal knowledge, or business models to identify and solve problems and make decisions. Typical information that a decision support application might gather and present are: inventories of information assets (including legacy and relational data sources, cubes, data warehouses, and data marts), comparative sales figures between one period and the next, Projected revenue figures based on product sales assumptions.

Expert system
In artificial intelligence, an expert system is a computer system that emulates the decisionmaking ability of a human expert. Expert systems are designed to solve complex problems by reasoning about knowledge, like an expert, and not by following the procedure of a developer as is the case in conventional programming. The first expert systems were created in the 1970s and then proliferated in the 1980s.Expert systems were among the first truly successful forms of AI software. An expert system has a unique structure, different from traditional programs. It is divided into two parts, one fixed, independent of the expert system: the inference engine, and one variable: the knowledge base. To run an expert system, the engine reasons about the knowledge base like a human. In the 80's a third part appeared: a dialog interface to communicate with users. This ability to conduct a conversation with users was later called "conversational".

Executive information system

An executive information system (EIS) is a type of management information system intended to facilitate and support the information and decision-making needs of senior executives by providing easy access to both internal and external information relevant to meeting the strategic goals of the organization. It is commonly considered as a specialized form of decision support system (DSS).

The emphasis of EIS is on graphical displays and easy-to-use user interfaces. They offer strong reporting and drill-down capabilities. In general, EIS are enterprise-wide DSS that help top-level executives analyze, compare, and highlight trends in important variables so that they can monitor performance and identify opportunities and problems. EIS and data warehousing technologies are converging in the marketplace. In recent years, the term EIS has lost popularity in favor of business intelligence (with the sub areas of reporting, analytics, and digital dashboards, Micro Strategy.

MIS and Small Business

If MIS is defined as a computer-based coherent arrangement of information aiding the management function, a small business running even a single computer appropriately equipped and connected is operating a management information system. The term used to be restricted to large systems running on mainframes, but that dated concept is no longer meaningful. A medical practice with a single doctor running software for billing customers, scheduling appointments, connected by the Internet to a network of insurance companies, cross-linked to accounting software capable of cutting checks is de facto an MIS. In the same vein a small manufacturer's rep organization with three principals on the road and an administrative manager at the home office has an MIS system, which system becomes the link between all the parts. It can link to the inventory systems, handle accounting, and serves as the base of communications with each rep, each one carrying a laptop. Virtually all small businesses engaged in consulting, marketing, sales, research, communications, and other service industries have large computer networks on which they deploy substantial databases. MIS has come of age and has become an integral part of small business. But while virtually every company now uses computers, not all have as yet undertaken the kind of integration described above. To take the last step, however, has become much easier provided that good reasons are present for doing so. The motivation for organizing information better usually comes from disorder, ordering again what has already been ordered, and sitting in boxes somewhere, because the company controls its inventory poorly. Motivation may arise also from hearing about others who are exploiting some resource, like a customer list, while the owner's own list is in sixteen pieces all over the place. There are sometimes also reasons for not automating things too much: in modern times a business can grind to a dead halt because "the network is down." Upgrading the information system usually begins by identifying some kind of a problem and then seeking a solution. In that process a knowledgeable resource-person brought in from the

outside can provide a great deal of help. If the problem is over-stocking, for example, solving that problem will often become the starting point for a new information system touching on many other aspects of the business. The first question a consultant is likely to ask will concern how things are managed now. In the description of the process, the discovery of potential solutions will begin. It is usually a good idea to call on two or three service firms for initial consultations; these rarely cost any money. Once the owner feels comfortable with one of these vendors, the process can then be deepened. The business owner has the option of buying various software packages for various problems and then gradually linking them into a system with the help of a value-added reseller (VAR) or a systems integrator. This solution is probably best for the small business with fewer than 50 employees. Larger companies may in addition also want to explore options offered by application services providers or management service providers (ASPs and MSPs respectively, collectively referred to as asps) in installing ERP systems and providing Web services. ASPs deliver high-end business applications to a user from a central web site. MSPs offer on-site or Web-based systems management services to a company. ERP stands for "enterprise resource planning," A class of systems that integrate manufacturing, purchasing, inventory management, and financial data into a single system with or without Web capabilities. ERPs are very popular with larger and midsized firms but were increasingly penetrating the small business sector as well in the mid-2000s.

Advantages of MIS
The following are some of the benefits that can be attained for different types of management information systems. The company is able to highlight their strength and weaknesses due to the presence of revenue reports, employee performance records etc. The identification of these aspects can help the company to improve their business processes and operations. 2. Giving an overall picture of the company and acting as a communication and planning tool. 3. The availability of the customer data and feedback can help the company to align their business processes according to the needs of the customers. The effective management of customer data can help the company to perform direct marketing and promotion activities. 4. Information is considered to be an important asset for any company in the modern competitive world. The consumer buying trends and behaviors can be predicted by the analysis of sales and revenue reports from each operating region of the company.
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It Facilitates planning: MIS improves the quality of plants by providing relevant information for sound decision making. Due to increase in the size and complexity of organizations, managers have lost personal contact with the scene of operations. It Minimizes information overload: MIS change the larger amount of data in to summarized form and there by avoids the confusion which may arise when managers are flooded with detailed facts. MIS Encourages Decentralization: Decentralization of authority is possibly when there is a system for monitoring operations at lower levels. MIS is successfully used for measuring performance and making necessary change in the organizational plans and procedures. It brings Co ordination: MIS facilities integration of specialized activities by keeping each department aware of the problem and requirements of other departments. It connects all decision centers in the organization. It makes control easier: MIS serves as a link between managerial planning and control. It improves the ability of management to evaluate and improve performance. The used computers has increased the data processing and storage capabilities and reduced the cost. MIS assembles, process, stores, Retrieves, evaluates and disseminates the information.

Enterprise applications
Enterprise systems, also known as enterprise resource planning (ERP) systems provide an organization with integrated software modules and a unified database which enable efficient planning, managing, and controlling of all core business processes across multiple locations. Modules of ERP systems may include finance, accounting, marketing, human resources, production, inventory management and distribution. Supply chain management (SCM) systems enable more efficient management of the supply chain by integrating the links in a supply chain. This may include suppliers, manufacturer, wholesalers, retailers and final customers. Customer relationship management (CRM) systems help businesses manage relationships with potential and current customers and business partners across marketing, sales, and service. Knowledge management system (KMS) helps organizations facilitate the collection, recording, organization, retrieval, and dissemination of knowledge. This may include documents, accounting records, and unrecorded procedures, practices and skills.

Developing Information Systems

MIS is not just about implementing a system but it is all about providing the right information to the recipient either it is derived from a system or otherwise.

"The actions that are taken to create an information system that solves an organizational problem are called system development ". These include: System analysis System design Programming Testing Conversion Production Maintenance

These actions usually take place in that specified order but some may need to repeat or be accomplished concurrently.

System analysis
System analysis is accomplished on the problem the company is facing and is trying to solve with the information system. Whoever accomplishes this step will identify the problem areas and outlines a solution through achievable objectives. This analysis will include a feasibility study, which determines the solutions feasibility based on money, time and technology. Essentially the feasibility study determines whether this solution is a good investment. This process also lays out what the information requirement will be for the new system.

System design
System design shows how the system will fulfill the requirements and objectives laid out in the system analysis phase. The designer will address all the managerial, organizational and technological components the system will address and need. It is important to note that user information requirements drive the building effort. The user of the system must be involved in the design process to ensure the system meets the users need and operations.

Programming
Programming entails taking the design stage and translating that into software code. This is usually out sourced to another company to write the required software or companies buy existing software that meets the systems needs. The key is to make sure the software is user friendly and compatible with current systems.

Testing
Testing can take on many different forms but is essential to the successful implementation of the new system. You can conduct unit testing, which tests each program in the system separately or system testing which tests the system as a whole. Either way there should also be acceptance testing, which provides a certification that the system is ready to use. Also, regardless of the test a comprehensive test plan should be developed that identifies what is to be tested and what the expected outcome should be.

Conversion
Conversion is the process of changing or converting the old system into the new. This can be done in four ways: Parallel strategy Both old and new systems are run together until the new one functions correctly (this is the safest approach since you do not lose the old system until the new one is bug free). 2. Direct cutover The new system replaces the old at an appointed time. 3. Pilot study Introducing the new system to a small portion of the operation to see how it fares. If good then the new system expands to the rest of the company. 4. Phased approach New system is introduced in stages.
1.

Anyway you implement the conversion you must document the good and bad during the process to identify benchmarks and fix problems. Conversion also includes the training of all personnel that are required to use the system to perform their job.

Production
Production is when the new system is officially the system of record for the operation and maintenance is just that.

Maintenance
Maintain the system as it performs the function it was intended to meet. System is maintained time to time with the demand of the organization.

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 organizations 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.

Management information system of Habib Bank

MIS can b applied in every organization. Most of the organization using this system efficiently. It of course increases their working performance.HBL is a huge organization with large number of employees and wide geographically dispersed area. Let us examine how HBL is using MIS for the operation of the organization.

Vision Statement of HBL

Enabling people to advance with confidence and success

Mission Statement
To make our customers prosper, our staff excel and create value for shareholders

Introduction of HBL
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 1,450 branches 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. With a presence in 25 countries, subsidiaries in Hong Kong and the UK, affiliates in Nepal, Nigeria, 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.

Products & Services of HBL

Today, HBL has more than 1,450 branches all over Pakistan and presence in 25 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

Information System of Habib Bank

Habib Bank has different banking sectors these include: International Banking Retail Banking Treasury Corporate Global & Overseas banking

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 Through PTCL lines. They dont use a secret net connection because they dont 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
DL320G5 (Core 2Duo), 4GB Ram, Raid 5 SAS 145GB HD x 3

Qty

Application Server

1 1

Database Server

HP DL380G5 (Dual Core), 4GB Ram, Raid 5 SAS 145GB HD x 3

Internet Server

DELL (Dual Core), 4GB Ram, Raid 5 SAS 145GB HD x 3

LCD Monitors

ACER 17" LCD Display

4
Intel Centrino2 Laptop 2.8 c2d/4gb/500gb fully Loaded(Toshiba)

25

5
Dot Matrix Printer (136

Epson LQ-2180 24 pin Dot

Column)

Matrix Printer

Laser Printer

HP LaserJet 4250n

7
Scanner HP Scan jet 5590 Scanner

8
Tape Drive HP Storage Works DAT72 /DLT Ext D

9
COMPUTERS

BRANDED DELL P4

10
GENERATORS HONDA

25

11

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 machinereadable 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 software:
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

Networking
Network 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).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. You can easily communicate with HBL management on website and 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).

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 disks, every day backup is done and these disks are transported to the nearest branch to protect against any potential hazard for example fire, arson, earthquake, theft etc,. After a week these backup disks are transported back to the branch. Whenever cheque has been cashed so the bank checks the signature and amount of account holder.

Bio metric 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 recognize cheques and/or currency without using envelopes Bar code scanning On-demand printing of "items of value" (such as movie tickets, Travelers Cheques, etc.) Dispensing additional media (such as phone cards) Co-ordination of ATMs with mobile phones Customer-specific advertising Integration with non-banking equipment

Creating duplicate copies

Duplicate copies of all data are used and all original data are placed at the website of HBL Ltd Pakistan. 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. b. c. d. RAID Hard Disk Moveable. DVDs. CDs.

Basis for Data Backup

Daily Basis. Weekly Basis. Monthly Basis.

Conclusion
MIS has changed the world. Introduction of modern technology help the human to make their task easy and more effective.MIS decrease the work load on human mind and make the working environment fast and effective. Its also help to achieve cost efficiency for the organization. HBL is the largest bank in Pakistan, and using MIS. 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.MIS play an important role in the working environment of HBL.