The critical analysis is based on the general observation and highlights the shortcomings/weaknesses of HBL observed during the internship. These observations generally reflect different aspects of HBL and weaknesses in different areas, which need to be overcome. Here is the critical analysis of the HBL university campus branch in Peshawar. Say no to plagiarism. Get Custom Essay on “Why Violent Video Games Should Not Be Banned”?Get Original EssayHBL is the largest bank in our country with an excellent branch network but it has some flaws even in management functions. The leaders or managers at higher levels have expertise in their field, but the management of the agencies is not very good and often the managers do not even have the basic knowledge of management and communication. In the organizational function, delegation of authority is an issue, particularly in retail banking; a branch has less power to deal with customers. Branches are usually staffed by older employees, who have the ability to perform routine work perfectly, but there is a lack of new ideas or these employees need further training. HBL does not keep pace with the changing market environment, the main reason for this is lack of new policies, and existing policies remain unchanged for a long time. Senior management has great influence in all decision-making and generally does not consult lower levels. In the advance department, loan processing takes a very long time, which is a problem for businessmen. The foreign exchange department is usually staffed by a single agent, so his absence poses problems for clients. Employees lack motivation, for fear of layoffs. Employees also complain that jobs and promotions are based on favoritism and nepotism. There is a lack of innovation compared to foreign banks, private banks or international banks. In other words, with banks of this caliber, they should offer more products and services. Although in HBL there are computers in different offices, they do not use this tool to full capacity and use it only for input and calculation. Counter services are unsatisfactory and the counter process generally takes longer than it should. The internal seating arrangement and branch environment are also not satisfactory in most of the branches. Similarly, for customers, there are usually fewer seats available and those are also in poor condition, and the furniture is also not neat and clean in most of the branches. The equipment needed for customer use is also not sufficient during peak hours. . Brochures are also available in less quantity and are usually not provided to customers on time. Information to customers (bank statements, etc.) is also carried out at long intervals (6 months), which is too long an interval. The behavior of the staff is also not in line with the marketing approach to the customer's words. They generally behave in a very bureaucratic manner; they do not offer personalized banking services, as the 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 modern day in business administration. Likewise, the attitude of the staff is.