HABIBMETRO BANK

Introduction:
HabibMetro Bank commenced its commercial-banking operations as Metropolitan Bank in
October 1992; under this name, it remained a highly rated bank till October 2006, when the Bank
merged with Habib Bank AG Zurich’s Pakistan operations. The merged entity was named Habib
Metropolitan Bank Limited.
HabibMetro Bank currently operates with an expanding nationwide network of over 320
branches in more than 90 cities across Pakistan. HabibMetro offers retail, commercial, consumer
and corporate banking solutions to its clientele, in addition to its expertise of trade finance. The
Bank also of provides highly innovative e-Banking and Shariah-compliant Islamic Banking
solutions.
The Pakistan Credit Rating Agency (PACRA) has assigned long-term and short-term ratings of
“AA+” (Double A plus) and “A1+” (A one plus), respectively, to the Bank for 17 consecutive
years. These ratings, being the highest amongst the local sector Private Banks, denote a very low
expectation of credit risk emanating from a strong capacity for timely payment of financial
commitments.

Vision:
"To Be The Most Respected Financial Institution Based On Trust, Service And Commitment"

Our Values
Trust:
As a brand, an employer and among employees, we uphold this value by being honest, credible,
dependable, sincere and fair.
Integrity:
We have consistent and clear intentions and strive to be ethical and just.
Respect:
We are polite, courteous and empathetic.
Responsibility:
We are outcome-oriented, accountable and committed to continuous development and
sustainable growth.
Commitment:
We are passionate about delivering beyond your expectations with superior service. We are
dedicated to realizing your financial aspirations and believe in going the extra mile while
remaining within the ambits of rules and regulations.

Teamwork:
We believe in working towards sustainable growth as a unified and seamless team. At
HabibMetro Bank, cross-functional synergy and collaboration are attained through diversity and
inclusion.

BOARD OF DIRECTORS
CHAIRMAN
Mohamed Ali R. Habib
PRESIDENT & CHIEF EXECUTIVE OFFICER
Mohsin A. Nathani
DIRECTORS
 Ali S. Habib
 Anjum Z. Iqbal
 Firasat Ali
 Mohomed Bashir
 Muhammad H. Habib
 Sohail Hasan
 Tariq Ikram

CREDIT RATING:
The credit rating provided by the Pakistan Credit Rating Agency Limited of the Bank is;
 AA+ (double A plus) for long term
 A1+ (A one plus) for short term
 PRODUCTS:

PRODUCTS AND SERVICES

PERSONAL ACCOUNTS BUSINESS ACCOUNTS

PERSONAL ACCOUNTS:
CURRENT ACCOUNTS:
SILVER CURRENT ACCOUNT:
A best-in-class current account (for individuals) that offers an unmatched host of 25 free services. An
initial deposit of Rs. 1,000/- is required to open this account.
FREE SERVICES:

DD (drawn on Same Day Fund Transfers

Life Insurance Cheque Book Payment Clearing (Within HMB) ATM Insurance
HABIBMETRO) Debit Card
Cover Orders Coverage

Rent-free Intercity SMS Account Web Duplicate Acc Pay Order

Locker Clearing Banking Statements SMS Alerts Banking Statement Cancellations

Replace Balance Utility Bill Account

Stop Payments DD E-Statement Confirm Payment Standing
Dr Card Maintenance
Cancellation Certificates Service Instructions
Certificate

SUPER CURRENT ACCOUNT:

A current account with no minimum balance requirement.
 FT (Within Stop P.O./D.D Duplicate Web Account Rent-free
Cheque
PO/DD HMB) Payment cancellations Statements Banking Statement Locker
Books

CURRENT ACCOUNT:
 A non-remunerative current account designed to cater to your diverse banking needs.

Features & Benefits

 No minimum amount required to open account
 No limit on the number of transactions that can be conducted

FREE SERVICES:

Payment Orders FT (within Rent-Free Lockers

First Cheque Book Web Banking
HABIBMETRO) Half-Yearly Statements

ASAAN CURRENT ACCOUNT:

A current account with no minimum balance requirement. Open an account with just Rs. 100/-.

FREE SERVICES:

Payment Orders FT (Within

First Cheque Book Account Statement
HABIBMETRO) Web Banking

BASIC BANKING ACCOUNT:

Basic Banking Account is a non-remunerative/current account that fulfils simple banking needs with no
restrictions on ATM withdrawals.

Features & Benefits

 An initial deposit of Rs. 1,000/- required to open account

 No requirement for maintaining minimum balance
 No limit on number of ATM / Deposit transactions
 Two (free of charge) cheque transactions in a calendar month; charges of Rs. 25/- per cheque
will be applied from the third cheque onwards.
 FREE SERVICES:

FT (Within HABIBMETRO) Web Banking Yearly Statements Rent-Free Locker

SAVING ACCOUNTS:
SAVING PLUS ACCOUNT:
A saving account with a monthly profit payment. A higher profit rate can be availed by maintaining an
average balance of over Rs. 250,000/-.
Insurance coverage up to a maximum of Rs. 1,000,000/- (age up to 60 years) available on maintaining
average balance of Rs. 15,000/- and above (for last 6 months).

FREE SERVICES:

Pay Orders FT (Within Account Life Insurance Rent-Free Lockers

HABIBMETRO) Web Banking Statements Cover*

MULTIPIER ACCOUNT:
A saving account for individuals and corporates with monthly profit payments that are calculated on
daily account balances. A higher profit rate is applicable on maintaining a minimum monthly balance of
Rs. 50 million.

FREE SERVICES:

Pay Orders FT (Within HABIBMETRO) Web Banking Account Statements Rent-Free Lockers

PRIVILEGE 55+ ACCOUNT:

A saving account with monthly profit payments that specifically caters to the financial needs of
individuals aged 55 years and above, with the added benefit of free life insurance.
Insurance coverage up to a maximum of Rs. 2,000,000/- (age up to 65 years) available on maintaining
average balance of Rs. 50,000/- and above (for last 6 months).

FREE SERVICES:
Pay Orders FT (Within Account Life Insurance Rent-Free Lockers
HABIBMETRO) Web Banking Statements Cover*

JUNIOR SAVERS ACCOUNT:

Saving in the currency of your choice for a brighter future of your children (minors up till age of 18 years)
starts today. With unmatched return every quarter, watch savings for their future grow as they do.
Insurance coverage of guardian up to a maximum of Rs. 1,000,000/- (age up to 60 years) available on
maintaining average balance of Rs. 15,000/- and above (for last 6 months).

FREE SERVICES:

Pay Orders FT (Within HABIBMETRO) Account Statements Life Insurance Cover*

FCY SAVING ACCOUNT:

A saving account with monthly profit payments. Open an account in USD, GBP or EUR and become
eligible for bonus profit after a year*.
Customers maintaining a minimum balance of 100,000/- in the respective foreign currency will be
eligible for Bonus Profit after completion of 12 months from account opening.

FREE SERVICES:

Insurance of FTT
(02 per Month) Account Life Insurance Collection of Outward Web Banking
Cheque Book
Statements Cover* Foreign Cheques

PLS SAVING ACCOUNT:

The simplest way (for individuals) to manage savings with a high rate of return.
Insurance coverage up to a maximum of Rs. 1,000,000/- (age up to 60 years) available on maintaining
average balance of Rs. 15,000/- and above (for last 6 months).
Features & Benefits

 No minimum amount requirement

 Profit calculated on average monthly balance and paid on half yearly basis

FREE SERVICES:
 H
Pay Orders FT (Within
alf-yearly Life Insurance Rent-Free Lockers
HABIBMETRO) Web Banking Statements Cover*

ASAAN SAVING ACCOUNT:

A saving account with half yearly profit payments. Open an account with just Rs. 100 and begin saving
today.
Insurance coverage up to a maximum of Rs. 500,000/- (age up to 60 years) available on maintaining
average balance of Rs. 15,000/- and above (for last 6 months).

FREE SERVICES:

Pay Orders FT (Within HABIBMETRO) Half-yearly Statements Life Insurance Cover*

Web Banking

FIXED DEPOSITS:
MAHANA DEPOSIT:
Fixed deposit of 1-5 year tenors for individuals only.
Benefits & Features

 Monthly profit payout

 Minimum investment: Rs. 25,000/-
 Maximum investment: Rs. 50,000,000/-
 Financing facility available
 Early encashment allowed
Fee of 2% will be charged on the principal amount or profit paid, whichever is lower.

PREMIUM DEPOSIT:
Fixed deposit of 1-5 year tenors for individuals only.
Benefits & Features

 Quarterly/Half-Yearly profit payout

 Minimum Investment: Rs. 25,000/-
 Maximum Investment: Rs. 50,000,000/-
 Financing facility available
 Early encashment allowed
Fee of 2% will be charged on the principal amount or profit paid, whichever is lower.

IZAFA CERTIFICATE:
 Fixed deposit of a 5-year tenure for individuals.
Benefits & Features

 Profit payout at maturity

 Minimum Investment: Rs. 10,000/-
 Maximum Investment: Rs. 50,000,000/-
 Financing facility available
 Encashment anytime

PAKISTAN BANAO CERTIFICATE:

Pakistan Banao Certificate is an investment instrument launched for Pakistani expats / overseas
Pakistanis. These dollars denominated scrip-less Certificates offer expats handsome returns on
investments geared towards a national cause.
Pakistan Banao Certificates are risk-free instruments that offer an annual interest rate starting from
6.25%.
The Certificates are available with maturities of 3 years and 5 years maturity and profit rates of 6.25%
and 6.75% per annum respectively payable semi-annually.

Minimum Investment Amount:

The minimum investment amount is USD 5,000.

Investments of higher amounts are available in the integral multiples of USD 1,000.
There is no maximum limit.

Transfer of Funds:

The investor will remit the intended investment amount from his/her own account outside Pakistan to
the SBP account with National Bank of Pakistan (NBP) New York.

BUSINESS ACCOUNT:
CURRENT ACCOUNTS:
SUPER CURRENT ACCOUNT:
A current account with no minimum balance requirement and host of free services.

FREE SERVICES:

FT (Within Stop P.O./D.D Duplicate Web Account Rent-free

Cheque
PO/DD HMB) Payment cancellations Statements Banking Statement Locker
Books
 Applicable to customers maintaining an average monthly balance of Rs. 100,000/- and above.

CURRENT ACCOUNT:
 A non-remunerative current account designed to cater to your diverse banking needs.

Features & Benefits

 No minimum amount required to open account
 No limit on the number of transactions that can be conducted

FREE SERVICES:

Payment Orders FT (within Rent-Free Lockers

First Cheque Book Web Banking
HABIBMETRO) Half-Yearly Statements

SAVING ACCOUNT:
MULTIPILER ACCOUNT:
A saving account for individuals and corporates with monthly profit payments that are calculated on
daily account balances. A higher profit rate is applicable on maintaining a minimum monthly balance of
Rs. 50 million.

FREE SERVICES:

Pay Orders FT (Within HABIBMETRO) Account Statements First Cheque Book

Rent-Free Lockers
Web Banking

FIXED DEPOSIT:
SHORT NOTICE TERM DEPOSIT:
Currency: PKR
Eligibility: Individuals, Sole Proprietors. Partnerships, Limited Companies etc.
Deductions: Subject to Zakat, WHT & other Govt. levies applicable as per the rules.
Min Investment: No Restriction
Max Investment: No Restriction
Profit Pay-out: On Maturity
Pre-mature Encashment: Allowed*
Pre-mature Encashment Penalty: No Penalty
Financing Facility: Not available
Auto. Roll Over Facility: Available
Tenure: 07 & 30 Days

FIXED DEPOSIT:
Currency: PKR, USD,  GBP & EURO
Eligibility: Individuals, Sole Proprietors. Partnerships, Limited Companies etc.
Deductions: Subject to Zakat, WHT & other Govt. levies applicable as per the rules
Min Investment: No Restriction
Max Investment: PKR 100 Million or equivalent in FCY
Profit Pay-out: On Maturity
Pre-mature Encashment: Allowed*
Pre-mature Encashment Penalty: No Penalty
Financing Facility: Not available
Auto. Roll Over Facility: Available
In case of pre-mature encashment, profit will be paid for the number of days the deposit held with the
Bank.

CORPORATE BANKING:
Corporate and Trade Finance:
HABIBMETRO Bank’s Corporate Banking teams pan-Pakistan, solicit and service large portfolio
customers, leading local business groups and other corporations. As a leading bank in trade finance,
HABIBMETRO offers a full range of trade finance products and services to customers.
Corporate Banking offers short and long-term working capital finance, along with other financing
facilities/services which include:
Facilities

 Term Loans
 Letters of Guarantees and Standby Letters of Credit
 Letters of Credit
 Bill Discounting
 Working Capital Facilities
 Export Financing
 Foreign Remittances
Structured Finance
HABIBMETRO Bank offers customized and flexible financial solutions to customers.  We are actively
engaged in meeting our customers’ varied and dynamic Investment Banking needs through a
product/service palette that comprises:

 Project Finance
 Infrastructure Finance
 Debt Syndications
 Capital Market Issues

TRANSCATION BANKING:
CORPORATE COLLECTIONS
Corporate Collection is a client specific solution offered by HabibMetro to provide comprehensive fund
& instruments collections supported by detailed reporting. Our clients enjoy HabibMetro nation-wide
branch network to effectively realize & report their collection / receivables.
SERVICE OFFERING ON CORPORATE COLLECTIONS:

i. Specially Designed & Customized Deposit Slips

ii. Nationwide Collections (Fee Challan, Invoices etc.)

iii. Email Alerts on transaction postings to client designated email addresses

iv. Online Access for real-time Corporate Collection Reports through Live Link (Web Services / API / SFTP)

v. Daily reconciled MIS & Account Statement via email to clients designated email addresses

vi. Funds Management (Offer competitive rates on deposits)

CORPORATE E-PAYMENTS:
Corporate e-Payments allows our client to give mandate to HabibMetro for local payments into any
bank account in Pakistan. Bulk payments is done via secured file sent by the authorized email addresses
of the client to HabibMetro designated email address which enables the bank to process Local (within
HabibMetro) & Inter Bank Fund Transfer (IBFT) payments.
SERVICE OFFERING ON CORPORATE e-PAYMENTS:

i. Electronic Dividend Payments

ii. Vendor Payments

iii. Salary Payments

 iv. Successful / Unsuccessful Payments MIS along with reconciled account statement.

v. Complementary SMS to beneficiary on successful payments.

SHARES SUBSCRIPTION DESK:

Shares Subscription Desk provide our Corporate Client with ease of management in shares related
transactions i.e. Collections, Payments & Reporting.

SERVICE OFFERING ON SHARES SUBSCRIPTION DESK:

i. Book Building Collections

ii. General Public Subscription (IPO)

iii. Right Shares Collections

iv. Bonus Shares (Tax) Collections

v. Dividend Warrants for non-listed companies

vi. Electronic Dividends

SME BANKING:
FINANCING FACILITIES:
Local Working Capital Finance Foreign Working Capital Finance Foreign Working Capital Finance
(Import) (Export)
 Running Finance
 Cash Finance  A.D  Finance against Foreign Bills
 Local Documentary Bill Purchase  Trust Receipt  FCY Loan against FE-25
 Trust Receipt  I.M.  Foreign Documentary Bills
 Local Purchase Order  FCY Loan against FE-25 Purchased
 Invoice Financing (Import)  Packing Credit
 Inland Bills Purchased  FCY Export Bills Purchased
 Commodity Finance.

Demand Working Capital Finance

Collateral:

Collateral / Security may vary from product to product. Some types of collateral/security commonly
used are:
  Mortgages (Urban property)
 Hypothecation of plants & machinery/stocks
 Pledge of Government Securities
 Lien on Deposits/Term Certificates

Prime Minister Youth Business Loan

The Prime Minister Youth Business Loan scheme is designed to assist the financial aspirations of
educated youth (21 -45 years) looking to establish or extend business enterprises.  Loans of up to Rs. 2
million are available at a pricing of 6% and a tenor of 8 years.

Habibmetro E-Salary
Comprehensive system through which salary disbursement to the employees of our valued corporate
customers with ease & efficiency.

ALTERNATE DELIVERY CHANNELS:

 Habibmetro 24 Hours Call Center
Now you can access your account without going to the bank, 24 hours a day, 7 days a week absolutely
free.

 Habibmetro Web Banking

Access your account from your home or office or anywhere in the world.
Following services can be accessed 24/7
 Login through web banking username and password.
 Up-to-date Account Balance.
 Cheques in Clearing
 Account statement
 Beneficiary Management (Local Fund Transfer, Outside Fund Transfer)
 Debit / Credit Advice
 Utility Bill Payment Services
 Mobile Top Up/Airtime Purchase (Easy Load)
 Fund Transfer
-Internal Fund Transfer (HabibMetro to HabibMetro)
-Inter Bank Fund Transfer (HabibMetro to Other Bank)

 Habibmetro SMS Banking

HabibMetro SMS Banking utilizes SMS channel to conduct various financial as well as non-financial
transactions.

 Habibmetro POS (Point of Sale) Services

A time-efficient facility that enables you to withdraw cash through POS machines available at cash
counters of all HABIBMETRO Bank branches.
Facilities

 Up to Rs. 500,000/- cash can be withdrawn via HABIBMETRO Platinum Visa Debit Card (Subject
to availability of funds in the account)
 Up to Rs. 400,000/- cash can be withdrawn via HABIBMETRO Gold Visa Debit Card (Subject to
availability of funds in the account)
 Up to Rs. 300,000/- cash can be withdrawn via HABIBMETRO Premium Visa Debit Card (Subject
to availability of funds in the account)

 Habibmetro E-Statement
You can get your account statement electronically and avoid use of paper based statements.

E-statement will be delivered at your designated email address and the same will arrive in no time as
compared to courier.

 Habibmetro Visa (ATM / Debit Card)

 HABIBMETRO VISA Debit Cards are available to our valued clients at all HABIBMETRO branches.
 Make transactions up to the credit balance available in your account
 Withdraw cash through convenient POS terminals at all HABIBMETRO branches.
 Daily ATM Withdrawal Limit Rs 100,000/-
 Daily Branch cash counter POS Limit Rs 400,000/-
 Local Purchase and Online Shopping Limit Rs 200,000/-
HABIBMETRO Access (ATM / Debit Card)
 HABIBMETRO Debit Cards are FREE, and available to our valued clients at all HABIBMETRO branches.
 Make transactions up to the credit balance available in your account
 Withdraw cash through convenient POS terminals at all HABIBMETRO branches
 Daily ATM Withdrawal Limit Rs 30,000/-
 Daily Branch cash counter POS Limit Rs 250,000/-

 Habibmetro Mobile Banking:

Features

 Account Overview / Up to Date Balances

 Account Statement
 Fund Transfer

 Own Account Transfers

 Internal Transfers (To Other HabibMetro Accounts)
 Inter Bank Funds Transfers (IBFT)
 Transfer through QR Code
 Payments
 Utility Bill Payments
 Mobile Top Ups
 E-Commerce Payment for
 Jazz Cash Vouchers
 daraz.pk
 Card Management
 Registered Cards List
 Disable Card (Warm Mark)
 Online Transactions – ON / OFF
 Beneficiary Management
 Add / Delete Beneficiaries for
 Own Account Transfers
 Internal Transfers (To Other HabibMetro Accounts)
 Inter Bank Funds Transfers (IBFT)
 Utility Bill Payments
 Mobile Top Ups
 Standing Instructions (Schedule Payment)
 Schedule Monthly Payments/Transfers for
 Own Account Transfers
 Internal Transfers (To Other HabibMetro Accounts)
 Inter Bank Funds Transfers (IBFT)
 Utility Bill Payments
 Mobile Top Ups
 Reminders
 Fund Transfer Reminders
 Bill Payment Reminders
 Personalization
 Password Management
 Quick PIN Management
 Biometric Management
 About Us
 Product Information
 ATM & Branch Locator
 Discount Offers
 Security Guidelines
  SMS Alerts
A facility available on request to all our existing and new account holders. Account holders who
subscribe to this facility receive SMS messages on their designated mobile phones for all types of
transactions that they have requested to be alerted for.

 Online Payment and Reporting

Benefits & Features

 Secure access to HABIBMETRO’s online web-based solution

 No need to prepare and sign cheques individually
 Single click authorization for bulk payments
 Authorization through password
 Electronic/scanned authorized signatures on cheques
 Cheques will be printed and delivered along with invoices
 Each cheque can carry up to 50 lines of payment details (multiple pages)
 Flexible delivery through courier, post and collection
 Simple reconciliation of issued, paid and outstanding cheques
 Status update of issued cheques (information available online upon issuance)
 Allows customers to improve productivity and focus on core functions
 SWOT ANALYSIS:
STRENGTHS:
 Habibmetro is one of the first Muslim Bank of the world,
which is owned and managed by its own employs. This is
the biggest strength of the Bank
 Strength is the high motivation of employees to their
work because they know that what so ever they do, it will
be in their own benefit. So they work with high
motivation and concentration.
 Salaries are very reasonable, so the employees are not
financially disturbed and they devote their selves fully to
their work.
 They have wide area network in all over the Pakistan, so
that they cover a lot of portion of cash transactions and
make customer satisfied.
 The Bank has very strict rules and regulations about the
customer’s complaints.
 Conservative and sustainable business policy
 Flat hierarchies, high degree of flexibility and lean
decision-making
 Highly qualified and experienced staff 
 Customized products packages and services, high level of
client service and close contacts to manufacturers and
leasing companies
 Extensive market and asset expertise
 Credit portfolio diversified by multiple criteria and
categories 
 Advanced risk management and pricing systems
 Maturity matched funding
 Strong capital base due to own funds
 Unique business model with a clear focus, cycle-neutral
business approach and global presence in all key
transport markets 
OPPORTUNITIES:
 Realization of margins in line with risks taken
 Expansion of anti-cyclical Investment Management
activities
 Building new client relationships
 Expanding the advisory and other services offered to
clients, investors, and banks
 Boosting our reputation as a reliable partner to the
international transport industry
WEAKNESS:
 Relatively high sector exposure 
 Global presence requires high staff resources 
 High staff costs due to high levels of employee
qualification in terms of academic expertise and
experience 
 No material client deposits 
 Dependence on the money and capital markets
 Exposure to the Euro/US dollar exchange rate, with an
impact on growth and results 
 No entertainment facilities are available in the Bank when
customer goes to the Bank and wait for a longer time.
These facilities can be the newspaper, magazines, etc.
 Advertisement of Habibmetro is not such goods as of
other banks.
 Outlook of the Habibmetro branches is not attractive to
the people.
 As compare to other private commercial banks the limited
branches of Habibmetro are computerized.
THREATS:
 Distortions on the money and capital markets, in the
broadest sense.
 Decline in transport asset values in the various transport
market segments. 
 Impact of the global financial markets crisis and
the sovereign debt crisis in Europe. 
 Increasing debt levels in some industrial countries and
emerging markets.
 The policies of the new government to uplift the economy
and pursue financial sector reforms are expected to yield
positive results in the banking industry of the country.
The Habibmetro is very well praised to avail promising
opportunities.
 As a result of the different steps taken by the Government
regarding the betterment of the economy, small
borrowers are attracted to get the financing and start
small businesses. So, the Habibmetro has an opportunity
to attract the customers by giving them attractive
schemes.
 They have wide area network in all over the Pakistan, if
Habibmetro can make it possible the fast delivery of fund
from abroad through online banking, it can cover the
major market of Pakistan which still is capturing by
‘Hundi’.
 Unanticipated rise of the US dollar against the Euro.
 Further government support for Habibmetro's bank
competitors growing regulatory requirements.
 Spikes in crude oil prices.
 First threat is that of political influence. Three boards of
directors are of government. So that they can influence on
the decisions of the Habibmetro.
 The biggest threat in the banking sector is the continuous
downfall of the country economy since the last few years.
If this downfall remains for more few years then it may be
the great hindrance in achieving the Bank’s objectives.
 New Privates Bank coped with emerging new Technology
of IT.