internship reoprt of hbl bank
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Habib Bank Limited
1 INTRODUCTION OF HBL
HBL was the first commercial bank to be established in Pakistan in 1947.
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. HBL is currently rated AA (Long term)
and A-1+ (Short term) and has a balance sheet size of over USD 11 billion. It is the first
Pakistani bank to raise Tier II Capital from external sources.
1.1. Brief History of HBL
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. On 25th of August 1941, Habib Bank
inaugurated its operations with the bank’s first branch in Bombay. In 1947 Karachi saw
its first commercial bank of the newly formed Islamic Republic of Pakistan, when the
bank shifted its head office there. Throughout the decades, HBL has held the mantle of a
dynamic leader, by adding value to the lives of its customers. With a domestic market
share of over 40%, HBL was nationalized in 1974 and it continued to dominate the
commercial banking sector with a major market share in inward foreign remittances
(55%) and loans to small industries, traders and farmers. On June 13, 2002 Pakistan's
Privatization Commission announced that the Government of Pakistan had formally
granted the Aga Khan Fund for Economic Development (AKFED) rights to 51% of the
shareholding in HBL, against an investment of PKR 22.409 billion (USD 389 million).
On February 26, 2004, management control was handed over to AKFED. The Board of
Directors was reconstituted to have four AKFED nominees, including the Chairman and
the President/CEO and three Government of Pakistan nominees.
It was HBL that introduced products such as Credit Cards, ATMs, Travelers Cheques,
etc., to the Pakistani market. We at Habib Bank cater to the needs of millions with our
quality products & services. Today, Habib Bank is truly the bank of the people, providing
its customers convenience and satisfaction all over the world. Habib Bank Plaza, the
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Habib Bank Limited
tallest building in Pakistan, is the proud symbol of HBL’s leadership in Pakistan’s
corporate arena.
1.2 OBJECTIVES OF HBL
Following are some of the main objectives of HBL.
To earn profit for the Bank itself and maximize its shareholder’s value.
To provide solutions for multiple requirements of clients of diverse
financial nature.
To manage with the changing trends of the modern day financial market.
To be a diversified bank by offering all basic consumer services along with
specialized services
Honest and ethical conduct, including ethical handling of actual or apparent
conflicts of interest between personal and professional relationship.
To provide employment opportunities to people.
To help in development and industrialization of the country.
1.2.1 CORE VALUES OF HBL
HBL is firmly grounded with a corporate philosophy that incorporates five solid values
which each individual associated with the bank abides by.
Excellence
This is at the core of everything they do. The markets in which they operate are becoming
increasingly competitive, giving their customers an abundance of choice. Only through
being the very best - in terms of the service they offer, their products and premises - can
they hope to be successful and grow.
Integrity
For them, integrity means a synergic approach towards abiding their core values. United
with the force of shared values and integrity, they form a network of a well-integrated
team.
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Habib Bank Limited
Meritocracy
At every level, from selection to advancement, they have designed a consistent system of
human resource practices, based on objective criteria throughout all the layers of the
organization. HBL is therefore, able to achieve a specific level of performance at every
layer of the organization.
Customer Focus
They understand fully the needs of their customers and adapt their products and services
to meet these. They always strive to put the satisfaction of their customers first.
Progressiveness
They believe in the advancement of society through the adoption of enlightened working
practices, innovative new products and processes, and a spirit of enterprise.
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Habib Bank Limited
1.3 ORGANIZATION STRUCTURE
Any organization needs a structure, which provides a framework for successful
operations. The operation of an organization involves a number of activities, which are
related to decision-making, and communication of these decisions. These activities must
be well coordinated so that the goals of the organization are achieved successfully.
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CHAIRMAN
BOARD OF DIRECTORS
PRESIDENT
COUNTRY HEADS
AREA HEADS(GENERAL MANAGERS)
BRANCHES MANAGERS
Habib Bank Limited
A chart defines the line of authority in an organization and its departmentation. It is a sort
of visual presentation of the organizational structure. It specifies the duties and
responsibilities of the personnel of the organization.
At present the Bank operates through one central and 23 Regional Offices and 1439
branches, all over Pakistan. The president and Executives Committee look after the
affairs of the Bank. Each Regional Head Quarter is headed by a Chief Executive and
assisted by General Manager Operations and General Manager Support Services. The
Regional Head Quarter controls the branches in their area. Overseas operations consist of
65 main branches, two affiliates, two representative offices and two subsidiaries.
President, from Head Office at Karachi controls the officers of the Bank with the help of
the senior management. Functional responsibilities of the Banks are broken into seven
groups known as 1) International Operations Group2) Corporate Banking and Treasury
Investment Group3) Retail Banking and Operation Group 4) Finance, Audit and
Administration Group5) Assets Remedial Management Group6) Credit Policy Group7)
Corporate Bank, Financial Institutions and Project Finance
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Habib Bank Limited
1.4 Products/ Services:
1.4.1 Individual customers:
HBL caters to all market segments, offering products that are as diverse as the people we
service. We remain resolute in our commitment to provide products that are competitive
and services that are exemplary. Whether establishing a new venture or expanding an
existing business, our team understands your banking needs and works closely with you
to realize your goals. HBL provides the following products and services to meet its
individual customer requirements:
Term Accounts:
Offered in a variety of tenors with deposits as low as Rs. 10,000.
Current Accounts:
Our Current Accounts offer features that meet your daily banking needs.
Saving Accounts:
HBL’s Saving Accounts cater to individual saving habits.
Foreign Currency Accounts:
Offered in multiple currencies with interest paid on a quarterly basis.
Banc Assurance:
HBL and New Jubilee Life Insurance Company Limited (NJLI) introduce Amaan
(Retirement Plan) and Tabeer (Child Education & Marriage). These products have been
designed keeping HBL’s customer base as the focus and will provide life insurance along
with an investment option.
Amaan - Retirement Plan:
A pension plan that offers attractive investment returns.
Tabeer – Children Education:
An insurance plan that enables parents to cover education and marriage costs.
Debit Card:
HBL Visa Debit Card allows you to pay for your purchases directly from your bank
account. You don’t have to carry cash and your monthly statement provides you with a
complete record of all your transactions so you can manage your expenses with ease.
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Habib Bank Limited
Features:
No Interest
Ease & Security
No Liability
International Recognition& Acceptability
Spending Limits
Free Account Statement
24 hour Customer Service
Global Customer Assistance Service
Phone Banking:
Your bank is just a phone call away. You can now call HBL PhoneBanking and save a
trip to the branch. Your query will be resolved in a single telephone call from anywhere
and at anytime
1.4.2 Business Customers:
HBL offers a wide range of products and services for its business customers. They are as
follows:
Corporate banking:
HBL Corporate Banking Group comprises a seasoned team of Relationship Managers
(RMs) to meet the demanding service standards of large corporations. A long history of
financing and nurturing relationships in Pakistan has given HBL a unique insight,
enabling us to provide timely and effective financial solutions for our customers to meet
the growing challenges of a global economy.
If you are a corporate customer, with a turnover of at least PKR 300 million, we have a
range of solutions designed to help you with your banking needs. Our RMs has the
expertise you need to create tailored financial solutions catering to the specific
requirements of your business. Whether establishing a new venture or expanding an
existing business, our team understands your banking needs and works closely with you
to realize your goals.
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Habib Bank Limited
Commercial Banking:
HBL’s Commercial Banking Group targets medium sized companies with a turnover of
at least PKR 50 million. Our business units are located in Karachi, Lahore, Faisalabad,
Sialkot, Gujranwala and Peshawar. Each unit is dedicated to service business clusters
located within these cities.
We have the ability and the resources to meet the needs of your business with our pro-
active, responsive and experienced Relationship Managers who are committed to
understanding your business.We cater to the needs of a broad spectrum of clients. To do
this, the business-banking group is segregated by the size of the customer. For customers
with an annual turnover between PKR 50 million to PKR 300 million, our Commercial
Banking group provides a wide range of products that meet specific customer needs.
Features:
We offer financing for the following:
Working Capital
Procurement of Inventory
Receivables
Procurement of Machinery
Expansion of production facilities
Import of raw materials
Exports
Guarantees
Investment Banking:
HBL offers full-service Investment Banking capabilities to its clientele. This year alone,
HBL has closed over thirty transactions with a cumulative worth of over USD 2 billion.
This is a testament to the out-of-box thinking and the innovative products we bring to our
customers.
The Investment Banking Group functions in three specialist business areas:
Project Finance,
Debt Capital Markets & Syndications and
Equity Capital Markets & Advisory.
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Habib Bank Limited
Islamic Banking:
Islamic Banking is a growing market segment that offers attractive opportunities to
potential and existing customers. At HBL, Islamic Banking offers Shariah compliant
products and services to meet the short and long term requirements of business and trade.
Islamic Banking provides Ijarah (leasing) for vehicles, plants and machinery to meet
long-term customer resource requirements. Murabaha (local & import) facilities are
provided to meet the short-term financial needs of mid-market and corporate customers.
HBL’s Islamic Banking products are fully Shariah compliant and duly certified by
independent Shariah Advisors
Cash Management:
HBL offers a comprehensive platform for customers to avail Cash Management Services
throughout Pakistan. Our Cash Management Services reduce the cash turn around of your
company, thereby making it cost efficient
Features:
Centralized Collections / Funds Transfer
Centralized Payments / Disbursements
Customized MIS Reporting
Centralized Customer Support through
IT/Operations
E-Banking:
HBL is also providing unique and latest online services like online fund transfer, balance checking to its customers.Rural Finance:
HBL’s Agriculture loans are spread across the country and provide financing through
over 800 branches. We have the largest private bank portfolio in the country with over
PKR 18 billion in various agriculture sectors. HBL’s presence in all agriculture belts of
the country ensures easy access to farmers in rural areas.
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Habib Bank Limited
Features:
Revolving Agri Scheme
Haryali Farm Transport Scheme
Agri Development Loan
Agri Development Loan (Fish Farming)
Agri Development Loan (Drip Irrigation)
Agri Production Finance
Haryali Livestock Loans
Asset Management:
HBL Asset Management Limited - A Wholly own subsidiary of Habib Bank Ltd. was
incorporated on 17 February, 2006 as a public limited company under the Companies
Ordinance 1984 and was licensed for Investment Advisory and Asset Management
Services by Securities and Exchange Commission of Pakistan on 3rd April, 2006.
1.4.3 Agency Services to Customers:
Collection of Cheques:
HBL pays and collects cheques on behalf of their customers, and for this it receives
commission form their account holders.
Collection of Dividends:
The Bank provides a very useful service by acting as an agent for its customers. It
arranges the collection of dividends on shares and securities held by its customers. The
customer is simply to inform the issuer of the securities that the interest on the securities
is to be credited to his account in the Bank. Bank charges commission for the collection
of the dividends on behalf of account holders.
Purchase and Sale of Securities:
HBL if authorized by the customers also makes purchase and sale of securities on the
behalf of its customers. Bank charges commission for the purchase or sale made by its on
behalf on the customers.
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Habib Bank Limited
Execution of standing instruction:
HBL also executes the standing in case if it is ordered by the customers of the Bank to do
so. These instructions are usually given in writing to Bank. The Bank debits and credits
the accounts of its customer for the transactions carried out by the individual or firm.
Acts as an agent:
HBL also acts as an agent, correspondent or representative of its customers at home and
abroad.
Foreign exchange Business:
HBL transacts foreign exchange business by discounting foreign bills of exchange and
thus provides facilities for financing in foreign trade.
Acts as a referee:
HBL provides useful services to its customers by acting as a referee for its credit
worthiness. The information is supplied in utmost secrecy and is based on financial
standing of the customers.
Collection of Utility Bill:
Electricity, telephone and other such bills can also be deposited with HBL.
Locker Facility:
HBL also provides locker facility to its customers where valuables of customers can be
kept.
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Habib Bank Limited
2. LEARNING & EXPERIENCE:
2.1. Internship Duration and Rationale for Selection:
Internship in HBL was my first working experience in my career. Before this as a student, I
remained stick to academic books and there had never been such requirement of internship by
my any institute. So it was an opportunity for me to explore my abilities and to implement the
course, which I studied specially in MBA. I did my internship in HBL (Liaquat Road Branch,
Rwp) for six weeks and in that duration; I got the opportunity to know about the banking
environment. The reason for selecting bank for internship is that it is the sector, which
provides multi-services under one umbrella. In banks one can explore his/her interpersonal
skills by dealing different types of customers. Secondly my mother remained a part of HBL
and served twenty years for it, so automatically my interest developed towards working in
HBL. My internship experience gave me a good learning experience because I had the
privilege to work with such cooperative and experienced staff.
2.2. Details of Training:
I did my internship in HBL (Liaquat Road Branch, Rwp) for six weeks. During that time
period, I performed different tasks. My timings were (9 AM – 5 PM). First of all the bank
Manager told me about the rules and regulations of the bank and the basics of some
operations of the departments in the bank. In six weeks I have performed different
activities like account opening procedure, remittances, chequebooks issuance, bills
collection, vouching, clearing and credit granting procedures. I have also performed the
work on the seat of remittance department in the absence of that department’s officer
under the supervision of my operational manager. This internship and different tasks in it
gave me exposure to practical life. The details of my tasks are as follows:
2.2.1 Account Opening:
Account opening is an agreement in which customer offers his funds and bank accepts
these funds, therefore the nature of relation between a banker and customer is of a
contractual one and all the conditions applicable to this contract act are also applicable.
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Habib Bank Limited
First of all I got experience of filling account-opening forms for both individual and
business customers and the related procedure for it. I also gained knowledge about
Equation system used for accounts opening
Current A/C individual single or joint)
Saving A/C individual single or joint)
I have also filled Phone Banking Forms and ATM forms. In this department I remained a
part of project of HBL as well, which was to open 100 accounts of NCA because NCA
had to make a huge deposit in HBL.In this regard my senior officer gave me the task of
filling 80 account opening forms, ATM forms and Phone banking forms, which I
completed successfully.
2.2.2 Remittances:
Remittances are sums of money sent in payment for or against something. I worked in
remittance department in the form making of pay orders Demand draft, LFT. I also
learned about MISYS software, which uses cashier system for cash transaction like cash
withdraw, deposited, Remittance, Accounts opening, LFT.I also used this software and
made online transactions within a city and intercity by using payment through cash and
accounts under the supervision of my senior officer. I also came to know about the codes
of different branches for LFT.
2.2.3 Chequebook issuance:
It is issued to those customers whose accounts are operated by the concern bank. I have
also learned to make chequebook request by filling its different contents like serial
number, date, account number, account type and account title. I also issued chequebooks
to customers as well. Then I used to record its entry in the register and signatures were
taken from customer as a proof. Record had been entered on separate pages for current
and savings account.
2.2.4 Bills Collection:
I also collected bills of Electricity, PTCL and SNGPLduring period of my internship and
also used to punch it after the public dealing was closed. I used software to punch them.
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Habib Bank Limited
After punching all the bills, my senior officer used to match all the balance with other
system in order to verify it.
2.2.5 Vouching:
During my internship, I had also made vouchers of different accounts like companies
who transfer balance daily to head office. I learned how to make Debit and credit
vouchers for such accounts of companies like WASA, WAPDA, SNGPL. PTCL and
local filling stations.
2.2.6 Clearing:
I got the experience to know about the cheque clearance process. My clearing department
officer told me the procedure of both the inward and outward clearing, software used and
role of NIFT.I used to fill these cheques by filling its contents. In this regard, I have also
learned about techniques to check the scrutiny of check by checking name, date and sign
and also came to know that three stamps are needed for it; clearing stamp, cross stamp
and endorsement stamp. I was advised by my sir to be remained alert about the fake
cheques, giving some instructions for the careful examination of cheques like signature
verification from specimen card. For the time of receiving cheques I had to consider the
following instruction
Date of the cheque mean post/ out dated cheque must not be received
Amount in figure or wording must be same
Signature must be authorized
If cheque amount in above of 50000 than supervision must be necessary
2.2.7 Credit Department:
In my internship, I have also worked in credit department where I seeked
What kind of loans HBL provides to its customersTypes of customers to whom it
provides loansCriteria for providing credit
Interest rate
Procedure for verifications of customers
Duration of loans granted
Procedure in case the customer defaults.
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Habib Bank Limited
2.2.8 Facilitate Customers:
Along my other tasks during internship, I helped banking customers in filling cheques,
forms, applications and drafts as well. This gave me confidence in dealing with
customers and to make my communication skills stronger.
2.3 Learning from internship:
After having that six-week internship in HBL, I have learnt a lot from it, which is an asset
for my practical life.
I have acquired the corporate experience through my internship. The world of
books is quite different from the practical one. This opportunity enabled me to get
first hand experience of corporate working environment.
I gained the experience of fundamental banking. Though I worked for a shorter
time period, yet I gained the basic know how of the Bank.
In operations department, I came to understand properly
about account opening form, its contents and procedure to open it. Similarly I
gained knowledge about remittance and clearing department as well.
I also gained the experience of their software MISYS, which perform two type of system; Cashier system (system used only for cash transaction like cash withdraw, Deposited, Remittance, Accounts opening, LFT) and Equation system (for Clearing inward or out ward, supervision)
I availed the golden opportunity of my internship to enrich my interpersonal and
communication skills.
First of all, my internship has provided me with the insight of corporate world
that I can never gain otherwise.
It helped me in determining my expectations in the initial phase of my career.
My internship gave me more courageous in communications that would help me
in the crucial phase of “Interview” in my future professional life.
2.4. SWOT ANALYSIS:
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Habib Bank Limited
An analysis indicating towards the organizations strengths, weaknesses, opportunities
and threat is termed as SWOT Analysis. Such an analysis is very important for the
management in retaining the strength, overcoming the weaknesses, capitalizing over
the emerging market opportunities, and carving ways to successfully tackle with the
threats and ultimately converting them in the strengths for the organization. During
six weeks of my stay at HBL, Liaquat Road, Rwp, I have come across the following
SWOT analysis of the bank:
2.4.1 Strengths:
Being the pioneer of banking in Pakistan, HBL is the oldest and is the richest in
experience.
HBL is the leading private sector bank in the banking network in Pakistan with
many of them online branches in major cities of the country
The operations performed by the bank are highly automated that result in
assurance for the customers that their transactions are completed reliably,
efficiently and securely.
The officers of HBL are considered as one of the most able professionals in the
banking world.
HBL has the potential to encounter the competitive environment in the market.
One can avail the benefit of the services provided at the bank till 5:00 P.m. which
is highly useful for those customers who find it difficult to leave their officers in
the morning
The management of the bank believes in customer focused banking rather than the
product oriented banking. The products and services designed by the bank are
specifically tailored to the individual needs of its customers.
HBL maintained its data properly and it has good data security system
The revolution in the banking in the form of electronic banking operations have
opened avenues of excellent, efficient and quick
Phone banking service is very attractive for those classes of customers who don’t
have time to personally come to the bank i.e. banking on the phone line thus
saving the precious time of the customers.
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Habib Bank Limited
2.4.2 Weakness:
Although the bank has computerized accounting system but still the bankers use
to make their entries in the accounting register.
The bank has still some of the traditional ways of operations in this advanced
technological environment.
Lack of professionalism in the branch employees mostly.
Poorer system of recovery of the system is a threat to bankruptcy.
The employees are constantly rotated from one job to another job of totally
different characteristic in the view of giving them the know-how of the working
in all the departments.
Presently there is no specific training program arranged for the new recruiters.
They have to learn based on their observations and also their mistakes.
There is pressure not only on the new learner but also on the person placed upon
with this responsibility.
HBL is lacking of customer feed back.
2.4.3 Opportunities:
A large amount of foreign investment is attracted.
Strong potential for growth
Opportunity for developing value added services combined with corporate
banking relationships, cash management services to large and medium sized
corporate clients.
Habib Bank Limited provides opportunity to utilize its skills and efficiencies in
leasing business.
E-banking facility is also a new opportunity which is a flourishing business in
foreign countries and can also be here, if HBL takes the initiatives.
Govt. is taking very bold steps to promote IT in Pakistan, so HBL has an
opportunity to improve in technology.
Branches In Remote Areas
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Habib Bank Limited
2.4.4 Threats:
The schedules of charges indicate that the fees charged by the bank on the various
services it provides are extremely high. It may result in decrease in the number of
its exiting customers.
Shortage of trained and specialized staff at lower executive and officer levels
Facing more competition by foreign banks in the market.
Loss of confidence of overseas customers due to freezing of accounts.
Highly attractive and advance services by foreign banks to their customers.
2.4. RECOMMENDATIONS:
I spent six weeks of my internship in HBL, Liaquat Road Branch, Rwp. During these
weeks, I felt myself to be a part of HBL. Even, this was my first experience of working in
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Habib Bank Limited
a banking organization. Before this I know a little about the banks, its working system
and environment, so I learned a lot from this experience. Based on my experience &
observation regarding the operations and policies of HBL, there are some
recommendations which include short term as well as long term issues for the
improvement.
Habib Bank Limited although providing the customer service in better way but
there is a lot of work to do in a routine banking due to which employees work for
long time. Management should gave relaxation to the employees by hiring new
professionals and reduce the working hours.
Attitude & Behavior of Branch Manager should be cooperative & friendly in
order to entertain the problem faced by the employees.
Division of work must be definite and certain. A person should do only such job
for which he is appointed. Work sharing is also important for greater productivity.
Every one in the organization must know the computerized system, for this
management should hire professionals to train them.
More and more facilities of loans should be provided to individuals for enhancing
the business, studies etc on easy terms and conditions
For financing activities the process should be easy to the customer.
Training program should be started for internees and newly appointed employees.
Their should be more marketing activities for the auto financing and other loans.
Habib Bank Limited needs to use more marketing channels to make the public
aware of its products and services.
The number of women hired by Habib Bank Limited is less as compared to male
staff, so it should employ more women.
The bank charges high service charges as compared to the other banks, so these
should be lowered down.
Quick response to customer queries is necessary to maintain a healthy relationship
with the customer
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Habib Bank Limited
Surveys must be conducted regarding customer satisfaction level and all
employees of this department should look forward to get feedback whenever
possible.
CONCLUSION:
To sum up, internship is like “The First Flight” for a young business graduate who is to
enter his professional life very soon. It provides a gateway to youngsters and an insight of
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Habib Bank Limited
corporate world. It helps them in the orientation phase of their first job as well and if we
talk about internship decision in banking sector, 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. 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.
References
www.hbl.com
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Habib Bank Limited
www.google.com
HBL Annual Report 2007
Direct Interaction and Learning from:
Branch Manager (Talat Mahmood)
Operation manager (Rana Muhammad Ashraf)
Personal Banking officer (Muhammad Hammad Rafi)
Credit Department Officer (Saeed Akhtar)
Appendix # 1
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Habib Bank Limited
Appendix # 2
List of Forms Attached
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Habib Bank Limited
TABLE OF CONTENTS
PAGE #
Internship Letter
Executive Summary
1 INTRODUCTION OF HBL......................................................................................- 1 -
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Habib Bank Limited
1.1. Brief History of HBL............................................................................................- 1 -
1.2 OBJECTIVES OF HBL.........................................................................................- 2 -
1.2.1 CORE VALUES OF HBL.............................................................................- 2 -
1.3 ORGANIZATION STRUCTURE...........................................................................- 4 -
1.4 Products/ Services:...............................................................................................- 6 -
1.4.1 Individual customers:.....................................................................................- 6 -
1.4.2 Business Customers:......................................................................................- 7 -
1.4.3 Agency Services to Customers:...................................................................- 10 -
2. LEARNING & EXPERIENCE:............................................................................- 12 -2.1. Internship Duration and Rationale for Selection:.............................................- 12 -
2.2. Details of Training:........................................................................................- 12 -
2.2.1 Account Opening:........................................................................................- 12 -
2.2.2 Remittances:.................................................................................................- 13 -
2.2.3 Chequebook issuance:..................................................................................- 13 -
2.2.4 Bills Collection:...........................................................................................- 13 -
2.2.5 Vouching:.....................................................................................................- 14 -
2.2.6 Clearing:.......................................................................................................- 14 -
2.2.7 Credit Department:.......................................................................................- 14 -
2.2.8 Facilitate Customers:....................................................................................- 15 -
2.3 Learning from internship:...................................................................................- 15 -
2.4. SWOT ANALYSIS:..............................................................................................- 16 -
2.4.1 Strengths:.....................................................................................................- 16 -
2.4.2 Weakness:....................................................................................................- 17 -
2.4.3 Opportunities:...............................................................................................- 17 -
2.4.4 Threats:.........................................................................................................- 18 -
2.4. RECOMMENDATIONS:....................................................................................- 19 -
CONCLUSION:............................................................................................................- 21 -References.....................................................................................................................- 22 -Appendix.......................................................................................................................- 23 -
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