Habib Bank Limited

SUMMARY KEY DISCLOSURE STATEMENT

for the financial year ended 31 December 2000

Introductory Statement
The purpose of this disclosure statement is to provide customers and potential customers
with a summary of important information relating to the financial condition of your bank.
_ The explanation of the terms used in the Key Disclosure Statement is explained in the
Reserve Bank publication "Your Bank's Disclosure Statement : What's In It For You",
which can be obtained from the Reserve Bank of Fiji. Other information can be viewed at
the bank's branches and offices.

Corporate Information
_ The full name of the bank is Habib Bank Limited - Fiji Branch
_ The full name of the ultimate parent bank of the Habib Bank Limited - Fiji Branch is
Habib Bank Limited, which is domiciled in Karachi,Pakistan.

Audited Audited
Current Year Prior Period

Profitability
Banking Operations in Fiji:
_ Net operating profit after tax and extraordinary items ($'000) 468 901
_ As a percentage of average total assets 1.07% 2.69%

Size _ as at end of financial year

Banking Operations in Fiji:
_ Total assets ($'000) $47,562 $39,997
_ The percentage change in total assets over 12 months 18.91% 48.01%

Capital Adequacy _ as at end of financial year

Banking Operations in Fiji:
_ Tier 1 Capital ($'000) 1,495 2,170
_ Tier 1 Capital to total risk-weighted assets ratio 5.58% 8.63%
_ Total Capital ($'000) 1,701 2,301
_ Capital adequacy ratio 6.35% 9.15%
 Audited Audited
Current Year Prior Period

Balance Sheet
The Balance Sheet for the Fiji Operations as prepared under FAS30 should be ($'000) ($'000)
reported here and should include, but should not be limited to, the following:
Cash and liquid assets 549 587
Balance with the Reserve Bank of Fiji 3,706 7,450
Receivables due from other financial institutions 717 329
Securities held 10,199 705
Loans (including advances to customers and similar facilities) 28,767 25,976
Provision for doubtful debts (2,323) (1,103)
Fixed assets 114 116
Other Assets 5,833 5,937
Total Assets 47,562 39,997
Deposits of Promissory Notes of statutory bodies - -
Payables due to other financial institutions 37 -
Deposits and borrowings 10,604 16,089
Amounts owed to other depositors - -
Certificates of deposits 28,981 14,493
Promissory Notes and other liabilities evidenced by paper - -
Other borrowed funds - -
Creditors and other payables 1,162 1,619
Provision for annual leave 56 47
Provision for income tax 628 613
Other liabilities 3,608 4,468
Issued and paid up or assigned capital 1,750 1,750
Capital reserves - -
Revaluation reserves - -
Other reserves - -
Retained earnings 736 918

Income Statement
The Income Statement for the Fiji Operations as prepared under FAS30 should be ($'000) ($'000)
reported here and should include, but should not be limited to, the following:
Interest and similar income 3,151 2,474
Interest and similar expense (1,158) (712)
Dividend income
Fee and commission revenue 486 427
Fee and commission expense
Other revenues arising from financial instruments
Gains less losses arising from dealing securities
Other expenses arising from financial instruments
Gains less losses arising from investment securities
Gains less losses arising from dealing in foreign currencies 571 605
Other operating revenue
Bad and doubtful debts (including provisions for impairment) (1,219) (792)
Recoveries of bad and doubtful debts
General administration expense
Other operating expense (974) (793)
Net profit or loss before tax and extraordinary items 857 1,209
Net profit or loss after tax and extraordinary items 468 901

Availability of Disclosure Statements

Additional information on your bank's financial condition is available for inspection at our branch
at 98 Renwick Road, Suva.
Habib Bank Limited most - Fiji Branch's most recent General Disclosure Statement is available for
inspection at our branch, copies of which maybe obtained.
Habib Bank Limited - Fiji Branch most recent global balance sheet and profit and
loss statements and other publicly available disclosure statements are available for inspection at
all our branches and offices.

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Senior Vice President and Chief Manager Assistant Vice President