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3.  Presented to; prof, Muhammad Akram  presented by; Ijaz ahmad Money,banking and finance

4. Current account

5.  The bank made by the struggle of founder of Pakistan M. Ali jinah 1941 to serve Indian Muslim community, in mumbay.  After the formation of Pakistan in 1947, Habib Bank moved its headquarters to Karachi, capital of Pakistan  Pakistan government nationalized it on 1 January 1974. HISTORY OF HBL

6.  The bank has 1450 branches in Pakistan and 55 branches worldwide.  HBL started its international expansion in 1 950 and opened three branches in srilanka in 1951.  In 1956 HBL opened the first of five branches in Kenya.  1969 HBL opened the first of 3 branches and an OBU in Bahrain  1971 HBL opened an OBU in Singapore and a branch in New York City.  1972 HBL opened the first of 11 branches in Oman  1980 HBL opened a branch in Paris and another in Hong Kong.  1983 HBL opened branch in the Karachi EPZ and a branch in Istanbul. Branches of HBL

7.  Trade Finance.  Cash Management.  HBL Express – payments platform.  Remittances.  Treasury.  Bilateral Loans Products and services

8. Types of account opening 1.Current account 2.Fixed account 3.Saving account

9. Current account Current account can be withdrawn by the depositor at any time by cheques. Businessman generally open current account with banks. It do not carry any interest as the amount deposited in these accounts is repayable on demand without any restriction. There is exemption of zakat on this deposit.

10. 1.CNIC 2.Two attested copies of blood relation valid national identity card 3.Two attested copies of valid employee card. 4.Two attested copies of salary slip. 5.Two attested copies of utility Requirements of Salary current account.

11. 1.Branch name 2.Branch code 3.Account name 4.Account opening date 5.Account officer 6.Customer number 7.Customer segment  Existing relationship with bank For Bank Use Only

12. Current account of salary person Title of account

13. 1.Individual 2.Individual salaried 3.Individual business 4.Minor 5.Sole proprietorship 6.Partnership(regstrd/unrgstrd) 7.Joint stock company 8.Single member pvt ltd 9.Public sector corporation 10.Govt organization 11.District org Customer type

14.  Current account  Saving account  Foreign currency account  Finance account Type of account

15. 1.PKR 2.USD 3.EURO 4.GBP England 5.OTHER OPERATIONAL INSTRUCTION 1.For individual 2.For sole proprietorship 3.For business customers currency

16. 1.Name 2.Father/husband name 3.Marital status 4.Gender 5.CNIC No 6.Passport No 7.Profession 8.Nature of business 9.Designation 10.Employer 11.Education Personal information - primary Applicant

17. 12 sales tax reg. No 13. Home address 14. Permanent Reg. office address 15. Mailing address 16. Telephone No 17. Nationality 18. Country tax residency 19. Overseas address

18. 1.Name 2.Father/husband name 3.Marital status 4.Gender 5.CNIC No 6.Passport No 7.Profession 8.Nature of business 9.Designation 10.Employer 11.Education Personal information of joint applicant

19. 12 sales tax reg. No 13. Home address 14. Permanent Reg. office address 15. Mailing address 16. Telephone No 17. Nationality 18. Country tax residency 19. Overseas address

20. 1.Name 2.father name 3.Gender 4.B form No 5.Guardian relationship with minor 6.Name & address of school 7.Country of birth 8.Nationality 9.Passport No 10. Overseas address Details of minor

21. Name signature Date Joint applicant signatory Name signature Date Primary applicant signatory

22.  Primary applicant authorized signature  Joint applicant authorized signature End signature