The critical analysis is based on general observation and highlights the shortcomings/weaknesses of HBL observed during the internship. These observations generally reflect different aspects of the HBL and weaknesses in different areas, which need to be overcome. Below is the critical analysis of HBL University Campus, Peshawar Branch. Say no to plagiarism. Get a tailor-made essay on "Why Violent Video Games Shouldn't Be Banned"? Get Original EssayHBL is the largest bank in our country with excellent branch network but it has some shortcomings in management functions as well.The leaders or managers of the upper levels have experience in their fields but the branch leadership is not very good and often managers do not even have basic knowledge of management and communication. In the function of organizing delegation of authority is a problem, especially in retail banking; a branch has less power to deal with customers. In the branches, mostly older employees work, who have the ability to perform routine jobs excellently, but new ideas are lacking or these employees need further training. HBL fails to keep up with the changing market environment, the main reason why is lack of new policies, and even existing policies remain unchanged for a long period of time. Top management has a lot of influence in all decision-making processes and usually does not consult the lower level. In the advances department, the loan processing is very long, which is a problem for businessmen. The exchange department is usually managed by an official, so his absence causes problems for customers. Employees lack motivation for fear of downsizing. Employees also complain that hiring and promotions are based on favoritism and nepotism. There is a lack of innovation compared to foreign banks, private banks or international banks. That is, with banks of this caliber it should offer more products and services. Although in HBL there are computers in several offices, they do not use this tool to its full capacity and only use it for typing and calculation. The over the counter services are not satisfactory and the over the counter process usually takes longer than it should. The internal seating arrangement and branch environment are also not satisfactory in most of the branches. Likewise for customers, there are usually less seats available and they are also in deteriorated condition, furniture is also not tidy and clean in most of the branches. Stationery required for customer use is also not adequate during peak hours. . Brochures were also found to be available in smaller quantities and are usually not provided to customers on time. Customer information (e.g. bank statements, etc.) is also done at long intervals (6 months), which is too long an interval. The behavior of the staff also does not comply with the marketing approach towards the customer. They usually behave in a very bureaucratic way; they do not provide personalized banking services, as new private banks do. The bank employees are also experienced but most of them are not well educated i.e. most of them are graduates but are not aware of the knowledge and updates of modern business administration. Likewise the staff perspective is also orthodox and does not present a smart image of the bank to the customers but rather presents a boring image, unlike private banks where the presentation style is also of great importance. The bank does not have an information center.