Hatton National Bank PLC

Hatton National Bank PLC (HNB) offers a full range of proprietary products in Sri Lanka. These span retail, SME, corporate, and digital banking sectors. HNB utilizes unique technical features and award-winning technologies.

Retail and Digital Banking Services

HNB provides various savings options. The Ordinary Savings Account requires a LKR 1,000 minimum opening deposit. Tiered interest rates reset monthly via Finacle. The HNB Net Saver Account offers +1.00% bonus interest. It activates instantly via HNB e-Banking. HNB Capital Savings Account links interest to balance slabs, e.g., > LKR 1 million. It includes one-year free Internet and Mobile Banking. The HNB Money Market Savings Account pegs its interest weekly to Colombo Call Money Market. It needs a LKR 500,000 minimum deposit. It offers immediate liquidity. HNB Fixed Deposits have tenures from 1-60 months. Interest pays monthly or at maturity. Loans against FD are up to 80% collateral value. The Senior Citizen FD adds +0.50% interest. Tenures are up to 60 months with guaranteed compounding.

Personal financing options are available. HNB Education Loan rate is AWPLR + 3.00%. It offers fixed, floating, or hybrid choices. A grace period extends up to 5 years. EMI reviews happen every 6 months. LifeLine Personal Line of Credit is unsecured revolving credit. It allows real-time fund transfers via Finacle. Relax Personal Loan targets salaried employees. Its loan ceiling is LKR 12 million. CRIB check integration is standard. HNB Home Loan rate is AWPR + 2.50%. It offers fixed or adjustable terms. Repayment options include bullet, linear, or monthly amortization. HNB Auto & Asset Finance uses on-line approval via digital channels. It integrates with dealer systems for direct disbursals.

HNB offers extensive digital banking. HNB e-Banking uses 2-factor authentication. It provides Finacle API-driven self-service for fund transfers and bill payments. The HNB Mobile Banking App features Mobile Deposit. It supports P2P via QR and mobile number. In-app card controls are available. HNB SMS Banking delivers real-time mini-statements via USSD. Alert subscriptions are for low balance or large transactions. HNB Tablet Banking enables field-staff-assisted account opening. It uses Biometric KYC capture for branch-less onboarding. The Self-Onboarding Portal features automated e-KYC. It sends an instant e-welcome pack via secure email.

Commercial and Investment Banking

HNB supports businesses with SME Lending products. These include Commercial/Project Lending and Distributor/Supplier Financing. Digital applications use secure PDF form upload. HNB Transaction Banking uses ISO 20022 XML API for corporate payments. It processes batch files in real-time with T+0 cut-off. HNB PayFast is a payment gateway. It offers REST API integration and is 3-DSP 2 compliant. Tokenization is for card-on-file. Settlement is T+1. HNB Merchant Acquiring Services provide Smart POS devices. These have built-in QR scanning. Auto T+0 settlement goes to HNB accounts. HNB Momo is an Android-based mobile POS. It supports offline transaction caching. Corporate Internet Banking & Cash Management has multi-level user roles. It uses dual authorization workflows. Bulk file uploads (CSV, MT 101) are supported. Real-time limit controls are in place. HNB Cash Management includes Zero-Balance Accounts (ZBA) sweep. Automated lockbox collection is via CDMs. HNB Trade Finance issues straight-through LC & BG. It enables e-Invoice Presentment and Settlement. HNB Treasury Solutions uses a Finacle Treasury module. It provides real-time SWIFT messaging and FX price streaming.

Private and investment banking services are also available. HNB Private Banking uses a dedicated relationship manager dashboard in Finacle CRM. It offers structured deposits with early-exit swap rates. HNB Wealth Management provides portfolio rebalancing via STP. API feeds are for custodial holdings and valuation. HNB Unit Trusts & Funds support direct SWIFT fund subscriptions. It offers e-Confirmation. Real-time NAV feeds are via HNB e-Banking.

Specialized Services and Technology

HNB Al Najah provides Islamic Banking services. It features a centralized Sharia compliance engine. It has seamless branch integration for single-core operations. HNB operates a Smart ATM Network. This includes the first cash-recycling ATM in Sri Lanka. CDMs allow multi-payee bill payments. The HNB Payee System aggregates 65+ payees. It enables direct e-bill payment via CDMs or digital channels. The Digital KYC Engine allows end-to-end biometric and ID-OCR capture. This supports fully paperless onboarding. Finacle Core Standardization unifies retail, corporate, and treasury operations. This platform enables sub-second transaction processing.