Habib Bank Limited (HBL) is one of the oldest banks in Pakistan. However, it is the bank with the worst customer support, the poor security and faulty systems. HBL has a monopoly of having many branches around the state. Therefore, people do not have any other option except this so-called – HBL.

Once in a while, people share their stories of being victims of a security breach in HBL poor systems. Around two years ago, 10 million rupees were stolen through HBL ATM’s poor security.

People often complain about the poor performance of the system overall. A friend of mine told me, he was also the victim of this poor service. Naseer, my friend made a transaction through ATM Withdrawl. He didn’t get money but, the bank says the transaction is successful. Further, it takes two and a half months to resolve the matter.

A few days ago, I made a transaction through online banking. Immediately, the funds were debited from my account albeit, it didn’t reach on the destination. I am making an effort to approach customer services but all in vain. They do not attend the call, simply, terminate the call after 10 minutes. Or says, we’ve logged a complaint. So, keep waiting.

HBL Helpline Calls

A recent call history which shows HBL helpline.

Why Habib Bank Limited is The Worst?

None of the banks is good or bad by the time of its creation. It is the features or services it provides, the human resource; the way of working or command chain. All of these factors help us to decide either it is a good bank or worst.

Poor Customer Support

HBL is well-known for its poor customer support. One has to wait for at least 20 minutes to talk to the representative of the bank. Another telecom giant PTCL has also a similar reputation in Pakistan albeit, their customer service is great.

Faulty Systems

We have reached 2020, but still, HBL is using old techniques to do banking. Come on HBL, make some changes in your system and speed it up. HBL is in the top of the list of monetary losses due to faulty systems.

Lack of Flexibility

HBL lacks adaptability which is crucial to provide good services to the customers. The bank needs to improve the system to make it easy for users. One rightly said, everybody wants to earn profit but, no one is ready to invest.

Bureaucratic Style of Working

Banking in Pakistan never flourished as it should be. In Pakistan, National Bank of Pakistan and Habib Bank Limited are known for their bureaucratic style of working. They follow the most complex style of command of the chain. The seniors usually enjoy high incentives and juniors have a high bulk of work to do daily with minimal salary. There is a dire need to change the command of the chain in these banks.

To encapsulate, it is an era of the digital world. However, HBL is the most conservative bank. The ones who do not adopt the changes suffer the fate like Yahoo. In business terminology, a customer is the king of the market. When the customers are facing problems then the decline for the company begins.