NCBA&E
Subject:
PRODUCTION OPERATION MANAGEMENT
Topic:
“MANAGEMENT INFORMATION
SYSTEM OF HABIB BANK”
SUBMITTED TO:
SIR Laeeq Bhatti
SUMITTED BY:
Khurram
Shahzad
Muhammad Ijaz
Muhammad Sohaib
Muhammad
Imran
Mansab
Iqbal
Najeeb Ullah
EMAILS: khurramsandhu468@gmail.com
Website:
www.ncbae1.blogspot.com
“TABLE OF CONTENTS”
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Sr.No
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Contents
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Page
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01
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Acknowledgement
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02
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02
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Introduction And History of HBL
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03
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03
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VISION STATEMENT, MISSION STATEMENT
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04
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04
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Information System: BOARD OF DIRECTORS
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05
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04
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Data Processing-Information Cycle
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06
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05
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TRANSACTION PROCESSING SYSTEM
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07
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06
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(EIS) MANAGEMENT REPORTING SYSTEM
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08
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07
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OAS,MIS
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09
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08
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SDLC,IRM
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10
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09
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System Analysts:
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11
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10
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HARDWARE USED BY HABIB BANK
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12
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11
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SOFTWARE USED BY HABIB BANK
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13
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12
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DATA BASE MANAGEMENT
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14
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13
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ONLINE PRESENCE, CONNECTIVITY:
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16
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14
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ONLINE FACILITIES:
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17
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15
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SECURITY & BACKUPS
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17
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16
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CONCLUSION, RECOMMENDATIONS
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19
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“ACKNOWLEDGEMENT”
In the name of Allah the praiseworthy, the passionate
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 a
report in its real sequence. It is all because of Almighty Allah’s great
guidance that made us so able.
We are cordially thankful to our respected Teacher Mr.
Muhammad Naseem Qaiser who provided us an opportunity to prepare this Project
report and whose benevolent guidance in discourse and constant encouragement
helped us to complete this project.
INTRODUCTION AND “History” OF HBL
It is the prime Bank in country established in 1941
having a registered head office in Karachi. It was nationalized in 1974, but
recently on 26th February 2004 it has been privatized by Government of Pakistan
and is taken over by Aga Khan Fund for Economic Development (AKFED). They
acquired 51 percent of shares of HBL. It is one of the largest Banks of
Pakistan with 1439 branches and having total assets of Rs.
434,931,930,000.
HBL at its present state has a long and rich history of
deeds and sacrifices. All this has been possible on the account of sustained
efforts. The first branch of HBL started functioning on 30th August, 1941 at
Muhammad Ali Road Bombay, where Quaid-e-Azam Muhammad Ali Jinnah first of all
opened his personal account. Mohammad Ali Habib was a man of stern and
persistent will. God. Almighty had bestowed him with extra ordinary
capabilities. He was devoted to his Bank with a view to take his share in the
uplift of the strife-torn and devastated Muslim community. At the time of its
inception, the Bank's total paid up capital was Rs.2.5 million but it is
evident from the following data that the Bank experienced a steep rise in the
business in a few years. 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, to play its pivotal role in
the development of this newly born country. At the time of independence, the
areas, which now constitute Pakistan, were producing only agricultural products
raw material for indo-Pak subcontinent. Partially no industries were there to
process the raw material, therefore the raw material was exported from Pakistan
.There were 19 non-Indian foreign Banks which were engaged in the export of
crops from Pakistan with only two Pakistani Banks i.e. HBL and the Australia
Bank. The circumstances were completely un-certain. The confidence of the
people had been shaken by the un-friendly environment and till the time peace
had not been restored, people would naturally have been interested in other
things. The nation was quite young with extreme scarcity of resources and these
definitely added to the difficulties of the govt., to run its own Banking
system immediately. Following the announcement of the independence plan in
June, 1947, the Hindus residing in the territories now comprising Pakistan
started transferring their assets to India and vice versa. The Banks included
those having their registered offices in Pakistan, transferred them to India in
order to bring a total collapse of the new state. It had been decided that the
Reserve Bank of India
would continue to function in Pakistan so that the
problem of demand and time liabilities, coinage, currencies, exchange rate etc
be settled between India and Pakistan and the Indian Notes would continue to be
legal tender in Pakistan till 30th September, 1948. Again due to certain
differences between Indian Pakistan, the Indian Govt., withheld Pakistan's
share of Rs.75 core in forward and subscribed heavily to the Govt. of Pakistan
to the tide over the crises, Payment was made to the Govt., by the Bank at a
very nominal rate of interest, even before the actual issue of securities.
At a time when
this newly born country was at whirlwind of crises, it was HBL which fulfilled
generously the financial needs of all its sectors, paid salaries to the
employees of all Govt. departments, helped in establishment of
State Bank of Pakistan, which the
Quaid-e-Azam inaugurated on July 1s,1948. HBL after partition opened its
branches throughout Pakistan to provide finance and other facilities to the
business community. In association with HBL, the
Govt. sponsored Pakistan Finance Corporation Limited for
financing of cotton. The Bank helped handsomely in the construction of WARSAK
DAM PROJECT, WAPDA, & K.D.A. by provided finance and other facilities.
Another innovation introduced by HBL is the evening Banking cash long after the
crossing of normal Banking hours. It was also the first in making available
such new facilities as Gift Cheques, Rupee Traveler’s Cheques, Credit Card
System, short term and long term schemes for small businessmen
VISION
STATEMENT
“Enabling people to advance with confidence and success”
MISSION
STATEMENT
“To make our customers prosper, our staff excel and
create value for shareholders”
Products
& Services
Today, HBL has
more than 1,700 branches all over Pakistan and presence in 26 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.
PRESIDENTED
AND CEO
BOARD OF DIRECTORS
( 7 Members)
G.E,
IOBG
G.E
CPOD
G.E,
CPCS
G.E,
G.E,
CIBG
G.E,
ARM
G.E,
AGA
RBG
HEAD OF HUMAN
RESOURCE
HEAD OF FINANCE
HEAD OF INFORMATION TECHNOLOGY
SENIOR VICE PRESIDENTS
VICE PRESIDENTS
ASSISTANT VICE PRESIDENTS
GRADE ONE(I) OFFICERS
GRADE TWO(II) OFFICERS
MANAGEMENT INFORMATION SYSTEM
Information
System
Information is the life blood of an organization.
Managers depend upon accurate accessible and useful information, this requires
the information system to be responsive to their unique information needs, to
empower them to think and act strategically ,develop effective plans, and make
decisions that increase their own and their organization’s competitiveness.
Today, largely through advances in computer and
communications technology, we are living at a time that many people call the
information age. One major reason our era is named so is because most working
people today have jobs that are information intensive. For example, jobs such
as teaching, accounting, retailing and managing are all predominantly based on
the handling of information. This emphasis differs from that of the earlier
decades, in which most jobs involved some type of physical labor applied on
farms and factories.
Data versus Information:
Many people use the terms data and information
synonymously. However there’s a distinct and important difference. Data refers
to facts. When data is filtered through one or more processors so that they
take on meaning and value to person they become information, it is information rather
than data which people use to make decisions.
Data
Processing-Information Cycle
Both computer and human mind act as processors that
select data and transform them into meaningful information. The data
processing-information cycle shown above illustrates this. Some of the types of
information that may be provided to decision makers after data are transformed
into information by computers or some other kind of processing. The format of
the information received is often dictated by the needs and preferences of the
decision makers.
All programs on a computer system can break down into two
main categories:
Application software
System software
Application software includes user-oriented programs.
Application software includes the programs, software packages, and tools needed
for such specific, end-user-oriented tasks as billing, accounts receivable,
word processing, payroll, database management.
Two main categories of application software exist.
General-purpose application software includes programs
and packages that are being used by workers in the organizations subunits such
as word processing spreadsheets, database or file management, and presentation
graphics. These are more likely to be purchased externally than developed
internally by the organization.
Special-purpose application software includes programs
and packages that support the activities of workers in a particular subunit.
Accounting debiting and crediting entries, software’s used in ATM’s, and
payroll are usually called Special-purpose software’s as these software’s have
been developed for special purpose operations and have to be custom made
according to the organizations requirements. This kind of software is being
used by a limited number of users or subunits than are in general-purpose applications.
What Is A Management Information System?
Management information system is said to be any system
that provides people with either data or information relating to an
organizations operations. Information systems support the activities of
employees, owners, customers, and other key people in the organizations
environment – either by effectively processing data to assist with transaction
work load or by effectively supplying information to authorized people in a
timely manner. For example, the transaction processing (data processing) system
used to perform accounting and clerical operations in a Bank or any other
organization are information systems. So, the systems that are used to generate
periodic and pre planned reports which is called management reporting system.
Decision support
systems, office information system/office automation system, and knowledge
based systems are also viewed as facet’s of an organizations information
system, along with inter organizational electronic data inter change (EDI)
system that strategically link a firm to its customer and suppliers
Management Information Subsystems
Management Information System include many subsystems
such as Decision Support System, Transaction Processing System, management
reporting system, Office Automation System, Forecasting System etc however
these will be discussed in detail later in the report. Many types of
Information Systems are being used in Habib Bank:
Transaction Processing System
Decision support system
Executive Support System
Management Reporting System
Intelligent Information System
Office Automation System
All of these systems have been linked through Multi-user
Online Banking (MOB).
TRANSACTION
PROCESSING SYSTEM
The Transaction Processing System (TPS) supports the
daily business transactions for example in the accounting department where the
double entry system is used for recording the daily transactions it will record
all the entries that have been credited or debited during the day and prepare
the full report as well as inter relate these tasks and other into an over all
accounting system. This type of system keeps the organization running by
automation the process of the large amount of paper work that must be handled
daily. Unlike the other systems the Transaction Processing System (TPS) of
Habib Bank links together all of the branches of the country in order to have
one database so that the Customer Information can be accessed through all the
branches in the country. Basically the TPS has more dealings with the
accounting basically TPS deals with the accounting department of an
organization. In HBL it is used to record withdraws and deposits of customers.
Some of its functions are:
Records the transactions
Records the debit & credit
Tells the balance of customer
Gives the data about the custom
TPS makes day to day reports e.g. it manages the double
entry system. For accounting department two types of reports are generated in
it.
Detailed Report:
It is a full and computerized report of the transaction
passed for the day. It records:-
How much loan was given
Time
Who was given the loan
Address and particulars
Summary Report:
At the end of the day their report will tell what has
been debated and what has been credited, in total amounts.
MANAGEMENT
REPORTING SYSTEM
A management reporting system (MRS) is an informatio0n
system that provides predefined types of information to management for
relatively structured types of decisions. As opposed to focusing purely on data
and the efficient processing of data (which characterize transaction processing
systems), management reporting systems focus on Information and, occasionally,
on effectiveness.
It generates a summarized report for reporting business
updates to management at higher level and for their review. It generates report
having:
Name of customer
His address
Limit of loan which bank can give
Approval authority of loan
Date of giving loan
The expiry of deadline
The securities that the bank held against the loan
DECISION
SUPPORT SYSTEM
A decision support system (DSS) provides tools that
enable managers to develop information in the manner that best suits the
decisions they are currently trying to make. Unlike the MRS, which delivers
specific types of information in a pre-planed format, the DSS provides the
manager with the computing and communications capabilities to develop his or
her own decision models, databases, and report formats. Decision support
systems often also focus on such areas as flexibility in meeting a variety of
continually changing needs.
After getting the data from TPS and MIS manager makes his
decisions on its basis.
The manager can also forecast a future trend on the basis
of DSS. Present decisions are based on past data that is available in the
system.
EXECUTIVE
INFORMATION SYSTEM (EIS)
An executive information system (EIS) - which is
sometimes referred to as an executive support system (ESS) - is a DSS that is
designed to meet the special needs of top-level managers. Some people use the
terms “EIS” and “ESS” interchangeably, but others do not. Any distinction between
the two usually is because executive support systems are likely to incorporate
additional capabilities such as electronic mail.
Because executives deal primarily with data about the
external environment and data that come from informal sources, they are usually
less reliant in direct contact with information technology than other types of
managers. When information from their company’s computers is needed, many chief
executive officers make their subordinates retrieve that information. Because
executive information needs are more ambiguous that those of other levels of
Management, computers have historically been less useful to executives. Many
executives have little hands –on experience with computers and don’t fully
appreciate how information technology can improve their personal productivity
and decision-making skills.ESS is for executives e.g., Retail General Manager
(RGM) b/c executives are non-technical people so a very user friendly system is
made for them to make their decision making process easy and feasibility, for
this purpose reports are generated to give easy access to information.
OFFICE
AUTOMATION SYSTEM
OAS is the use of computer systems
to execute a variety
of office operations, such as word processing,
accounting, and e-mail.
Office automation almost always implies a network of computers with a
variety of available programs.
Office Automation has traditionally referred to a wide
variety of computer-based technologies that make office workers more
productive. The diverse set of OA tools that enhance office productivity,
efficiency and effectiveness are often collectively called information systems.
Many office systems can also be classified as decision support systems or DSS
tools (such as spreadsheets), which can make office workers more productive and
also help managers make better decisions. The blurry line between decision
support systems and Office Automation System should be expected because most
decisions makers work in some type of office environment. Another example of
ambiguity, a database management system that manages data for a firm might also
offer some decision support. Some of the Office Automation Systems used in
Habib Bank are:
CPU’s
Monitors
Fax
Scanners
Printers
Keyboards
Mouse.
OFFICE
AUTOMATION SYSTEM
INFORMATION SYSTEM OF HABIB BANK
Habib Bank has different banking sectors these include:
International Banking
Retail Banking
Treasury
Corporate
Global & Overseas banking
How ever this report is going to focus on Retail Banking
of Habib Bank, however corporate Banking in which DSS and ESS is used has also
been discussed.
System
Development Life Cycle
Feasibility report:
The MIS manager
prepares the Feasibility Report to check cost effectiveness and the required
results of developing software.
Specification Requirement:
MIS manager sees what is required for making system i.e.,
staff, time, programmers and programmers, PC’s and its peripherals. The
previous system is analyzed to check what were the short comings due to which
new software is required.
System
Design:
At this stage no actual programming is done but you will
design the required fields i.e., what are the fields for which entry of data is
necessary e.g. name, address etc and then their queries are designed, modules
are formed, data entry forms are made. It is just paper work.
System Construction: At this stage actual programming is
done. A skeleton of system is made and the programmer programmed the software
exactly up to the requirement of the MIS manager.
System Implementation: After testing and debugging, the
system is implemented, when MIS manager is fully satisfied.
Post Implementation Support and Testing:
The problems are reprogrammed again.
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 organization’s 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. Following are the job titles of
people who interact directly with managers and users and in general manage the
whole information system-although these are not the only personnel working the
I.T Department, many other job titles may be found within this area.
Computers Operations Personnel:
These are the people responsible for the day to day
operations of Transaction Processing System s, management reporting system, and
all other shared multi-user computers. Some of the job titles for the people in
this category are the following:
Computer
operations manager/System Manager:
The computer operations manager is in charge of the
entire operations activity. He has the responsibility of hiring and assigning
work to the other operations personnel, he is generally a supervisor, he also
plans the installation and removal of equipment with consent of the concerned
authorities, and generally all other tasks to ensure that data get processed as
efficiently as possible.
Computers operators:
They are in charge of running the equipment in the I.T
Department. Their job is to load disks and tapes, create backup files and
ensure their safe transport to the second branch of the Bank; they also
initiate solutions to equipment malfunctions and similar functions.
Data Entry
Personnel
These are the people within the bank’s I.T Department who
enter data into the main computer system.
System Librarians:
They are responsible for managing data stored on such
media such as disks. Including among these are the backup copies of important
programs and data records kept pertaining to the daily transactions of the
bank. Accounting data, debit and credit entries, customer info etc.
System
Analysts
System Analysts are the technology professionals charged
with analyzing, designing and implementing large computer-based information
systems. Because they are the crucial interface among users, upper management,
and programmers, they must be skilled in business, computers, and other
technology-based areas. They must also possess good interpersonal communication
skills as they are the one who basically have to communicate with the employees
of the organization and perceives whatever they may need in the Information
System that is being designed...
Programmers
The computers professional who are specifically charged
with writing computer programmers are called programmers. Some of the types of
programmers, maintenance programmers, and systems programmers.
Application
Programmers
Code applications programs-the software that serves the
direct needs offend-users. Generally it is the systems analyst who initially
specifies what programs needed must do. Armed with a set of formal-often
technical-specifications from the analyst, the applications programmer then
write programs from them.
System
Programmers
Code the systems software that controls the operation of
computer hardware and makes it possible to run applications programs.
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 don’t use a
secret net connection because they don’t 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
|
Qty
|
|
1
|
Application Server
|
DL320G5 (Core 2Duo), 4GB Ram, Raid 5 SAS 145GB HD x 3
|
1
|
|
2
|
Database Server
|
HP DL380G5 (Dual Core), 4GB Ram, Raid 5 SAS 145GB HD x
3
|
1
|
|
3
|
Internet Server
|
DELL (Dual Core), 4GB Ram, Raid 5 SAS 145GB HD x 3
|
1
|
|
4
|
LCD Monitors
|
ACER 17" LCD Display
|
25
|
|
5
|
Laptop
|
Intel Centrino2
2.8 c2d/4gb/500gb
fully Loaded(Toshiba)
|
1
|
|
6
|
Dot Matrix Printer (136 Column)
|
Epson LQ-2180 24
pin Dot Matrix Printer
|
2
|
|
7
|
Laser Printer
|
HP LaserJet 4250n
|
2
|
|
8
|
Scanner
|
HP Scan jet 5590 Scanner
|
1
|
|
9
|
Tape Drive
|
HP Storage Works DAT72 /DLT
Ext D
|
1
|
|
10
|
COMPUTERS
|
BRANDED DELL P4
|
25
|
|
11
|
GENERATORS
|
HONDA
|
1
|
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 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 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
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) these are:
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.
U can easily communicate with HBL management on website.
& 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 floppies, every day backup is done and these floppies are
transported to the nearest branch to protect against any potential hazard for
example fire, arson, earthquake, theft etc,. After a week these backup floppies
are transported back to the branch.
Whenever checque has been cashed so the bank checks the
signature and amount of account holder.
BIO MATRIC
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
C.C. TV:
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.
RAID
Hard Disk Moveable.
DVDs.
CDs.
Basis for
Data Backup
Daily Basis.
Weekly Basis.
Monthly Basis.
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 mark
up with respect to prevailing market mark up with assurance of satisfaction and
support. HBL has more customers as compare to other banks, if they given proper
attention to every customer then in few years it will be the leading bank of
the country.
RECOMMENDATIONS
The management should try to decrease job insecurity
among the employees.
Training program should be started for internees and
newly appointed employees
There should be transport facility for the employees.
The number of employees should be increased in order to
decrease the
workload.
The bank charges high service charges as compared to the
other banks, so these should be lowered down.
Surveys must be conducted regarding customer satisfaction
level and all employees of this dept. should look forward to getting feedback
whenever
possible.
REFERENCES
Websites: www.hbl.com.pk
www.google.com
Fax: 111-333-900
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