essay on bank al habib

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Performance Management Practices: A Case Study of Bank Al-Habib Pakistan

2016, International Journal of Human Resource Studies

Purpose: This paperexplores the relation betweenexercising different aspectof performance measures, connection to reward, and with the performance management systems (PMSs) effectiveness.It investigatesthe problems faced by the employees and appraiser in this system thus recommending the steps taken by the appraiser for the improvement of the employee’s performances in financial institutions.Methodology: primary and secondary data was collected. Qualitative and quantitative methodology is used bysurvey questionnaire and interviewing random sample of 30 respondents from bank Al-Habib. Furthermore it’s an exploratory study as it explores problems in performance management system of Bank Al-Habib.Findings: The performance management system of financial institution of Pakistan especially bank Al-Habibare fairly focused towards performance related outcomes, and less concerned about the realization ofend product like training and development of employees. The results showed the strong re...

Related Papers

International Journal of Human Resource Studies

Basavaraj Kudachimath

Purpose-This descriptive research analysis the best performance management practice and its impact on employee motivation, loyalty, efficiency and effectiveness in banking sector of Pakistan and suggesting new methods for improving their performance management systems.Design/Methodology- Researcher has used the qualitative research methodology in which Content Analysis technique is being used to interpret data. Questionnaire and Semi-structured Interviews were also conducted from the middle management according to the needs and purpose of the research.Findings: Research findings shows that there is a positive relationship between Loyalty, Motivation and Effectiveness with true Performance Management Systems. Analysis of the data also shows that absence of guidance and feedback in current appraisal system leads to dissatisfaction amongst employees.Practical implications-Current research may be used by HR managers to identify and improve performance management systems to develop emplo...

IJMSBR Open Access Journal

Banking commerce in Pakistan is presently opposite a hyper turbulent position where banks have to function in progressively comparable and convoluted localized and international markets. The proficiency to contend in the very fast paced international natural environment is of paramount significance – survival of the fittest being the title of the game. The affray has even become ever strong and demanding with the application of numerous foreign world-class banks and other economic institutions. The study is conducted to reveal the strength and weakness of current performance system in banking industry of Pakistan. For such purpose qualitative research approach is adopted which is supported by open ended interviews of forty employees of four leading banks of Pakistan. The study is supported by performance management documents of MCB, ABL, UBL and HBL Pakistan. It has been identified that MCB is practicing right PMS in Pakistan banking industry which is significantly linked with employee performance and reward system. In rest of three banks there is no well define architecture of PMS, due to which policies for compensation and performance are changing every year. Even there is no proper feedback to employee of their evaluation. Because the current Performance management system in Pakistan is not fulfilling the demands of true Human Resource Management practices so, there is strong room for international banks to take off the local commerce market. To gain the competitive edge, it is indispensable to make corrective changes in architecture of current performance management system in banking industry of Pakistan.

Ayesha Yaseen

There is drive and momentum to implement changes in the public sector organizations and for such changes it is first and foremost dilemma to analyze the performance management system and practices implemented in such organizations. This study explores the performance management system at National bank of Pakistan. It’s a descriptive study and main focus of this study is to identify the flaws in performance management system that are currently prevailing at National bank of Pakistan and suggesting new ideas to bring positive changes ultimately getting competitive advantage through Human Resource Management (HRM). For analyzing the study, a sample of 100 employees has been selected on convenient basis form Bahawalpur Region and reposes are obtained on the fully structured questionnaires and analyze the results through Chi-Square technique.

IOSR Journal of Business and Management

Jayalaxmi Samal

Aditya Gautam

The banking sector has been growing sector since its inception in Kashmir. The faster growth of the banking sector is undoubtedly due to the contribution of its human resource. With the upward expansion of banking industry, the management of those who run the organization also becomes more pivotal. Performance appraisal is one of the most important mechanisms of human resource development need to be effective in improving or sustaining employee performance, motivation, and satisfaction, otherwise, they are a tremendous waste of time and money spent on

Dr. Rafique Ahmed Khan

Journal of emerging technologies and innovative research

Shishupal Bhadu

ABSTRACT: This study emphasizes on Performance management system of banking industries both public (BOB & PNB) and private (Axis and ICICI) banks which explored the performance management of employees by their banks and its relative advantages or benefits for employees and banks both. As Performance management is to promote and improve employee effectiveness. It is a continuous process where managers and employees work together to plan, monitor and review an employee's work objectives or goals and his or her overall contribution to the Banks. This study also focuses on the factors for implementation of the performance management system in Banks for the employees.

Dr. Devina Upadhyay

The era of 1998 saw the commercialization of the bank Commercialization of the bank gave rise to cut throat competition under the flagship of eminent leaders like Mr.K.V.Kamath and Ms. Sheikha Sharma etc wherein tremendous pressure, late hour working &performance driven bonus etc became a routine feature. This further paved way for human reforms and employee care leading to human capital management. H.R practitioner of Banks started moving towards futuristic trends wherein scientific recruitment replaced traditional recruitment. Besides this training also gained momentum. The field which witnessed the greatest transformation was the performance management system wherein the traditional performance appraisal system was taken over by multifaceted performance management system with feedback and continuous monitoring as inseparable part of it. Performance management system slowly gained importance as tool to increase employee productivity, and as an exercise for building employee retention due to which banks started investing heavily on it. Performance management system till today poses greatest challenge for their professional therefore aspect like efficacy of performance management system became an important aspect of researchers for study. This research papers is an attempt to minimize the research gap existing in the field of efficacy of performance management system. The study was undertaken in ICICI Bank Ahmedabad to identify the factors contributing to efficacy of performance management system.

Fozia Safdar

The purpose of this study is to identify the drawbacks of the system in the organization and to know the majors problems which are affecting the system. Research is based on exploratory study on the Habib bank of Pakistan quantitative data is collected and analyzed qualitatively. Employees were unaware from the working of the system and its clarity is questioned on the basis of the politics within the organization so it's better to conduct seminars and to be fair in decisions. There should be fair system and proper feedback given to the employees.

By considering the dynamism of Performance management system (PMS) in the organizational context, the present study aim to explore the factor structure of PMS components. Further, the study has also considered balanced scorecard as a strategic PMS tool and thus intended to identify the factor structure of the same. Finally, the study examined the PMS effectiveness factors. The author has used exploratory factor analysis to optimize the items and extract the construct validity of the factors. Factor analysis was performed using Principle Component Analysis (PCA) on 32 variables pertaining to PMS components, 10 variables related to Balanced Scorecard (BSC) and 14 variables allied to PMS effectiveness. The study adopted a quantitative approach and thus collected data from 313 commercial bank employees’ by distributing questionnaire. The result confirms seven independent factors of PMS component, one factor of balanced scorecard and two factors of PMS effectiveness.

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Welcome to the New Age

Bank AL Habib Netbanking empowers you to manage all your finances with an enhanced platform that makes banking simple and easy. Whether you’re looking to check your balance,  pay bills, transfer funds or print statements; our Netbanking and mobile app has got you covered.

3 Simple Steps to Start

Register online through netbanking, activate your account online through netbanking, perform transactions, account services, balance inquiry, cheque book request, cheques in clearing, change password, funds transfer, bill payment.

Account Usage

Online self-registration.

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Multiple Funds transfers

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Online stop cheque, credit card services, transaction details, credit card payment, account statement, enhanced security features.

AL Habib Mobile and Netbanking is now equipped with a host of new security features in line with State Bank of Pakistan`s security guidelines. These security features are designed to safeguard you against potential digital banking scams and reflect the Bank`s commitment to provide you a safe banking experience.

Please note that biometric verification (in-App) is mandatory for you to proceed further, followed by a two-hour security buffer period if you perform any of the following actions on our digital banking platform. You may click on the below mentioned action items to access an info-guide.

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New device registration, request for a change/reset password, request the retrieval of username and limit upgrade, user guide for support.

To download the User Guide, please Click Here

Why is this upgrade important?

The two-hour security buffer implemented will give you time to reverse the changes in case the request has not been made by you.

To minimize any challenges while accessing your account digitally, we urge you to:

• Update your contact information with the Bank (registered mobile number/email address) if you intend to travel abroad.
• Register your new device as soon as possible.

Guidelines for New Security Controls

• Fill in your details to create your ID, after which you must perform your in-App biometric verification.
• In case of biometric verification failure, you may visit any Bank AL Habib branch or perform your verification through AL Habib Biometric Verification App.
• For any new device registration, in-App biometric verification will be required.
• If your biometric verification is unsuccessful, an automated robo-call will be performed for verification, after which, a cooling off period of two hours will be in effect. During cooling off period, you will receive a call back for confirmation from our Call Center.
• If you reset your username through an unregistered device, biometric verification will be required.
• In case of biometric verification failure, an automated robo-call will be executed.
• If you reset password through an unregistered device, biometric verification will be necessary.
• In case of biometric verification failure, customer will have to contact Call Center for assistance.
• Debit Card limit management will now be enabled where you can customize limits as per your need, in addition to limit management for Funds Transfer for AL Habib Mobile / Netbanking which was previously available to you.
• The option to manage daily transactional limits of the Debit Card will be made available for Cash Withdrawal and Purchase (PoS and e-Commerce).
• Each time you change your AL Habib Mobile / Netbanking transaction limit, a cooling off period of two- hours will be activated.
• If you are a Roshan Digital Account holder, you must contact your designated Relationship Managers for performing for biometric verification for Self Registration, or to get your ID unlocked.
• A robo-call will be received by Roshan Digital Account holders for verification of all changes, including device registration, password and username reset.
• If you are temporarily based outside Pakistan, you must contact your relationship branch to update your contact number.

Minimum Requirement Of Internet Browser For AL Habib Netbanking

The new Internet Banking service platform is a world renowned system with best in class features, and is named “Bank AL Habib Netbanking” providing you with more value added services and enhanced security features.

• Google Chrome

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Introducing the AL Habib Mobile Application

The new AL Habib Mobile App enables you to easily manage your finances on the go from almost anywhere! With a host of new features it is designed to make your digital banking experience more convenient, quick and secure.

What’s new:

• Multiple Funds Transfers
• Multiple Bill Payments
• Instant Stop Cheque Facility
• Credit Card bill payment of other banks through the 1BILL feature
• Withholding tax and Balance Certificate
• Forex Calculators
• Transaction Based OTP
• Retrieve User ID by using “Forgot User ID” option without calling the Helpline
• Set frequent payments as Favourites on the main dashboard
• If you are an iBanking user Click Here

For More Details Click Here

To Download the App, head over to the Google Play Store for the Android version OR visit the App store to download the iOS version of AL Habib Mobile.

What is Device Binding?

Device Binding is a technology that extracts unique properties from the customer`s device to mark it as a Registered Device. It also notifies the customer of access to Net Banking/Mobile Application from an Untrusted Device. Additionally, if a customer marks a Device as a Trusted Device on OTP screen, then the OTP is not required by customer upon logging-in from their Registered Devices in future.

Key Features:

• Device Binding strengthens the security control and protects from real time fraud.
• Customers may bind more than one device and maximum of three devices as their Trusted Device.
• When Customer logs in from an Untrusted Device, Alert messages notifies that someone has logged in from an unauthorized device.
• Auto Read OTP feature is made available to customers, that reads OTP as received through SMS on Android Mobile devices.

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Dear Valued Customer,

We've upgraded the AL Habib Mobile and Netbanking experience to enhance digital security.

Frequently Asked Questions

AL Habib Netbanking System is an upgrade to the existing AL Habib iBanking system with upgraded functionalities. You can instantly self-register to the AL Habib Netbanking service using the Internet Browser without the hassle of contacting the call center customer service. The user receives a one-time verification code on the registered phone number and email address for identity verification. After the quick verification, you can benefit from the convenient Netbanking service and can manage finances with ease and security.

Along with the common set of functionalities, the Key functionalities being introduced through Netbanking include the following:

• Quick Self Registration (without approaching the call center)
• Multiple beneficiary transfers
• Digital bank statements, balance certificates and withholding tax certificates
• Cheque book issuance and cheque stop marking

Our NetBanking is easy to use. All you need is a personal computer or laptop that is connected to the Internet and get started!

• You need a Bank AL Habib account.
• You need to go over to the Netbanking site and self-register.
• You need a PC/ Laptop with Internet access.

Signing-Up as New User:

New users that have an active account in Bank AL Habib, can register to Netbanking service by following the below procedure:

• Go to Bank AL Habib Netbanking website that is, https://netbanking.bankalhabib.com/
• Thoroughly read the Netbanking Security Tips and check mark ‘I have read, understood, and accept the above security recommendations.’
• Click Accept and the main log-in screen appears.
• Click Register Now under Login button.
• Upon clicking, registration a form is opened in a new screen. Fill it out to proceed.

For existing Netbanking users, holding an internet banking account and access to the Netbanking service, enter the following log-in credentials:

• Enter the Netbanking Username.
• Enter Password.

Upon successful log-in, the main Dashboard screen will appear.

The information you provide is kept strictly confidential. And the latest electronic encryption technology ensures the secure transfer of information over the Internet.

Because account security is important to us, we have built safety measures into Bank AL Habib which reflect the importance of this issue. You'll be allowed to change your own password, and all information sent and received is encrypted.

You must enter Net Banking Password every time you access the system. The password is known only to you.

• Keep your password secret.
• Never leave your computer unattended while logged on to Bank AL Habib Net Banking service.
• Don't use your date of birth, telephone number, address, your name or the name of a friend or relative in your password.
• Lock your password when you logout from Bank AL Habib Net Banking service.

We recommend that you change your password frequently. Your password is your 'key' to Online Banking, so it's important that you take precautions to keep it safe. Under the Online Banking Conditions of Use, you are obliged to protect your password. To change your password, use the 'Change Password' link within your Online Banking session.

As long as you log off properly and maintain appropriate personal security procedures, your Online Banking can be just as secure on a shared computer as a personal computer.

In case of forgotten/lost username or password of the AL Habib Netbanking account, click the following links on the login home screen to reset username/password:

• Forgot Username? Click the link to retrieve username
• Forgot Password? Click the link to reset password

If you believe your Netbanking information has been negotiated or you notice a transaction you did not initiate, you must contact your concerned branch, where your account is maintained or call (021) 111-014-014.

If you transfer funds to your Bank AL Habib accounts, which allow access via the ATM, you will be able to withdraw any available funds immediately.

No. To arrange an International Telegraphic Transfer, please contact your concerned branch, where your account is maintained

You should Contact your concerned branch, where your account is maintained during banking hours or call anytime (24 hours a day, 7 days a week) at (021)111 -014 – 014 for assistance and support. We look forward to serving you.

You have to visit any BAHL branch for biometric verification and call our 24/7 Call Center at 021-111-014-014 to reactivate/unlock your User ID.

Your User ID will be locked if you have not logged-in for 180 days, you need to visit any BAHL Branch for Biometric verification and contact our 24/7 Call Center at (+92-21) 111-014-014 to re-activate your User ID.

No, you cannot have multiple Netbanking IDs

OTP is “One Time Password” which is used to authenticate your transaction(s).

You can block your Netbanking account by contacting our 24/7 Call Center at (021)111-014-014. After your successful verification on phone, our PBO will temporarily block your Netbanking account.

In order to perform different financial transactions, payee / beneficiary can be added in “Manage Payee & Billers” section. Once the payee / beneficiary is added you do not need to provide all the details every time transaction is initiated with the same payee / beneficiary. For addition of every payee/beneficiary, an OTP will be generated and delivered to your registered email address and mobile number.

To delete a payee/beneficiary, go to the “Manage Payee & Billers” tab and click ‘delete payee’.

You can perform funds transfer within Bank AL Habib or to any other 1Link member Bank in Pakistan through this option without adding a payee/beneficiary.

All funds transfer transactions performed through Netbanking are available under “Funds Transfer History” tab in “Payments & Transfers” section.

Funds are transferred instantly. However, if there is any delay, please contact our 24/7 Call Center at (021)111-014-014 or write to us at [email protected] for assistance

You can use “Multiple Transfers” tab in “Payments & Transfers” section for multiple transfers to your added payee’s/ beneficiaries.

You can transfer funds to any Bank AL Habib account as well as 1Link member bank's account.

Following is the list of banks:

• ADVANCE MICROFINANCE BANK
• ALLIED BANK LIMITED
• APNA MICROFINANCE BANK
• ASKARI BANK LIMITED
• BANK ALFALAH LIMITED
• BANK OF KHYBER
• BANK OF PUNJAB
• BANK ISLAMI
• DUBAI ISLAMIC BANK
• FINJA EMI WALLET
• FAYSAL BANK LIMITED
• FIRST WOMEN BANK
• HABIB BANK LIMITED
• HABIB METROPOLITAN BANK
• JS BANK LIMITED
• KMBL KHUSHALI MICRO FINANCE BANK
• MCB ARIF HABIB SAVINGS
• MCB BANK LTD
• MCB ISLAMIC BANK LTD
• MEEZAN BANK LIMITED
• MOBILINK MICROFINANCE BANK
• NBP FUNDS MANAGEMENT
• NATIONAL BANK OF PAKISTAN
• SONERI BANK
• STANDARD CHARTERD BANK
• SUMMIT BANK
• TELENOR MICROFINANCE BANK LTD
• THE FIRST MICROFINANCE BANK LTD
• U MICROFINANCE BANK
• UNITED BANK LIMITED
• ZARAI TARAQYATI BANK LTD

Yes, you can use the option “Upcoming Payments” for Standing Instructions and/or Pay Later. These features have been introduced in BAHL NetBanking for your convenience.

You can use “Multiple Bill Payments” tab in “Payments & Transfers” section for multiple payments against your registered billers

You can stop your cheque(s) by selecting “Stop Cheque” option, Cheque(s) can be stopped through Cheque Number and/or Range (From – To).

You can check your cheque(s) status by selecting “Domestic/International Cheque Inquiry” option. Cheque(s) inquiry can be performed through Cheque Number, Range (From – To) and/or Cheque Status.

You can initiate a request by selecting “With Holding Tax/Balance Certificate” option in certificates section. Requested certificate will be sent to you at your registered email address within 30 minutes.

You can link your other account(s) by contacting our 24/7 Call Center at (021)111-014-014

For Electronic Funds Transfer facility & Bill Payment on Netbanking you need to visit any nearest BAHL branch for biometric verification (if not verified already).

Please contact our 24/7 Call Center at (+92-21)111-014-014 for assistance.

You can pay bills for the following Billers:

Following are the per transaction limits for Mobile Top Ups Postpaid:

Following are the per transaction limits for Mobile Top Ups Prepaid:

Please use the latest version of following Internet Browsers for seamless Netbanking experience.

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Bank al habib graduate trainee program 2023.

• Max age should be 25 years.
• Should be a Fresh Graduate.
• Masters Degree (in progress / completed) candidates are also eligible to apply.
• Minimum CGPA should be 2.5 / 4.0.
• Should have 1st Division in Matric and Intermediate.

Application Procedure

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Trainee Officer Program

Management trainee officer program, graduate trainee officer program, trade batch officer program.

• IT Trainee Officer Program

Bank AL Habib Management Trainee Officer Program is a talent nourishment program guided by our value system, and it is aligned with our corporate goals for developing future leaders of Bank AL Habib and Pakistan.

Fast-track your career with Bank AL Habib Management Trainee Officer Program. You will be given an opportunity to learn from industry professionals, seasoned Bankers and benefit from banking knowledge through a well-planned training program.

Encompassing an experiential learning approach through classroom training and on-field assignments, Management Trainee Officers will have an opportunity to interact with banking experts and learn from their experience. A combination of case studies, project assignments and evaluations help refine and equip Management Trainee Officers to handle hands on problems of the Banking field in Pakistan.

We look forward to transforming you into future leaders of Bank AL Habib.

Eligibility Criteria

• Bachelor’s / Master's degree from a HEC recognised University
• Minimum CGPA of 3.0 and above
• Minimum 1st Division in Matriculation and Intermediate
• Maximum age of up to 25 years

Perks and Benefits

• A good monthly remuneration
• Health and Life insurance
• Provident and Gratuity Fund
• Staff Financing Facilities (House, Personal and Motorcycle)

Program Highlights

• Training Duration – 6 Months

Applications Deadline

• 5th February 2024

We value talent and are determined to provide a platform for personal growth and career development. For all those who wish to join us and become part of Bank AL Habib - the most trusted and preferred Bank in Pakistan, we welcome you!

The GTO program aims to coach invaluable banking skills in young men and women with an aim to succeed in a banking career. Individuals with aspirations to rise to greater heights in the management hierarchy will attain a solid all-round and specialized banking knowledge through the four months training, being mentored by the most learned coaches.

• Maximum age up to 25 years
• Minimum 1st Division in Matriculation & Intermediate
• Minimum CGPA of 2.5 or 1st Division in Bachelors Degree from a HEC recognized University
• Masters Degree Candidates (in process / completed) may also apply
• Fuel Allowance as per Grade
• Comprehensive Training – 4 months

Applications

• To be announced soon

Bank AL Habib Limited is expanding its branch network throughout the country with an objective to provide quality financial services. The Bank has strong corporate values and offers excellent training and growth opportunities. While BAHL continues to grow at a rapid pace, we understand the need to have a professional and talented team. When it comes to developing your career, BAHL offers excellent career paths, opportunities and attractive remuneration packages.

The TBO program gives an opportunity to those who wish to become a part of Bank AL Habib Limited. We want you to excel, grow and to contribute. This program offers a challenging opportunity to provide you a platform to perform in one of the finest working environments in the industry.

• Bachelor’s degree from a HEC recognised University
• Minimum CGPA of 2.5 or 1st Division
• Closed till Further Notice

Start your Career with Bank AL Habib Limited as IT Trainee Officer

Bank AL Habib is looking for bright and energetic individuals who aspire to be part of a dynamic team and contribute towards the digital transformation of the banking industry.Bank AL Habib`s IT Trainee Officer Program is comprised of training and exposure to exciting projects. Applicants will have the opportunity to learn from seasoned professionals in the realm of Banking and Technology.

If you are ambitious and want to succeed in a fast-paced and stimulating environment, then our comprehensive IT Trainee Officer Program is the right choice to start your career.

• Training Duration: Five-month extensive training which includes classroom and experiential learning.
• Training Route: : Exposure to various departments of Information Technology Division, including Business Analyst, Development, Quality Assurance, Infrastructure, Networking, DBA/BI/MIS, Security, Digital, Governance, IT Ops, ERP, Middleware, PMO, and External Applications.
• Offer: Practical learning environment and growth opportunities, market competitive salary and benefits
• Education: Minimum 16 years of education with a four year Bachelor’s Degree in Computer Science/ Computer Engineering/ Software Engineering/ Electrical/ Electronics/ Telecom Engineering from HEC recognized institutions with a CGPA of 3.0 and abore or equivalent
• Experience: Fresh Graduates or with up to three years of experience
• Maximum Age: 26 years as of 31st Jan, 2023

Differently abled individuals are encouraged to apply.

• Attractive salary and incentive
• Health & Life Insurance
• Conveyance Allowance
• Staff Financing Facility (House, Car, Personal)
• A collaborative culture with opportunities for professional growth

Location: Karachi Interested individuals may apply by clicking here . Only relevant and shortlisted candidates will be contacted.