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The document provides information about banking services at Habib Bank Limited (HBL) in Pakistan, including deposit security, minimum balance requirements, and access to funds while traveling. It explains fees related to overdrafts, foreign transactions, and ATM withdrawals, as well as the differences between credit and debit cards. Additionally, it outlines various loan types offered by HBL, such as personal, car, home, business, and agriculture loans.

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14 views

Copy of Acc Presentation

The document provides information about banking services at Habib Bank Limited (HBL) in Pakistan, including deposit security, minimum balance requirements, and access to funds while traveling. It explains fees related to overdrafts, foreign transactions, and ATM withdrawals, as well as the differences between credit and debit cards. Additionally, it outlines various loan types offered by HBL, such as personal, car, home, business, and agriculture loans.

Uploaded by

umesalma5900
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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Download as PDF, TXT or read online on Scribd
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ACCOUNTING PRESENTATION

-Ume Salma
-Hameem

Will the funds I deposit be secured?

A:This means that if HBL were to fail, your deposits with the bank should be
protected up to this insured amount.The current deposit insurance limit in
Pakistan is PKR 2.5 million per depositor.

When traveling, can I access my deposited funds?

A:Yes, you should be able to access your money deposited in HBL (Habib Bank
Limited) while traveling, as long as you have an active account and your ATM or
debit card has been enabled for international use.

Is there a minimum balance required?

A:The minimum balance requirement for a basic savings account at HBL in


Pakistan is currently PKR 5,000, while for a current account, it is PKR 25,000

What is an overdraft fee?

A:Is a fee charged when your account becomes overdrawn, meaning you've spent
more money than you have available in your account.

What is a foreign transaction?

A:A foreign transaction refers to any transaction made with a foreign merchant or
in a foreign currency.

What is the difference between credit and debit card?

A:When a debit card is used the funds are withdrawn from the account and the
individual cannot spend more than what they have in their account.However,when
you use a credit card to make a purchase, you are essentially taking out a loan
that you will need to pay back later.

What types of loans does hbl offer, and what are the interest rates and terms?

A:HBL (Habib Bank Limited) offers various types of loans to its customers,

⭐️
including:
Personal Loan:can be used for personal financial needs, such as home

⭐️
renovation, education, wedding expenses
Car Loan:Is used to purchase a new car or renovate/modify an existing one
⭐️Home Loan:can be used to purchase a new home or renovate an existing one.
⭐️Business Loan: HBL Business Loan can be used to finance a new or existing
⭐️Agriculture Loan: can be used to finance agricultural activities, such as crop
business.

cultivation, livestock farming, and dairy farming.

Is there a fee that needs to be paid when withdrawing cash through atm?

A:HBL may charge a fee for cash withdrawals at non-HBL ATMs, which can range
from PKR 15 to PKR 50 per transaction.If you are withdrawing cash from an HBL
ATM using your HBL Debit Card, there may be no additional fees for the
transaction.

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