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bank History

KASB Group, established in 1958, has a long-standing tradition of trust and excellence in financial services in Pakistan, specializing primarily in investment banking, research, brokerage, asset management, Islamic finance and commercial banking. KASB Provides its customers access to a broad range of funding, financial and investment products, made possible by the Group's strong network of local and international partnerships. Our relationship with Bank of America Merrill Lynch (BofAML) and BlackRock Inc. makes us unique in terms of the services and global reach we provide to our clients.

Vision Partnering Success

Values V ision Customer Focus and Innovation Passion, Quest and Respect that A ttitude Drives Us Sense of Integrity, Trust & L eadership Accountability Commitment to Being a Credible U pright Corporate Citizen E xcellence Distinction as a Habit Ability to Harness the Power of S ynergy Teams

At KASB Securities, our goal is to be Pakistan's premier brokerage franchise, providing clients with exceptional service, real-time market and economic developments and value-added, returngenerating investment insights and recommendations. KASB Securities, one of the oldest and largest pure agency brokerage firms in Pakistan today provides a full spectrum of products and services including equity, fixed income, and for ex sales and trading as well as securities and economic research for a diversified client base. The effective execution of our agency broking business has helped KASB acquire the status of being the only domestic house with a foreign affiliation on both the equities sales and research front. Through the combined strength of our online and offline trading platforms, we serve more than 6,700 clients domestically and across the globe. Coordinating closely as a team our 28 investment professionals spread over 4 cities in Pakistan work to provide our clients with insightful recommendations to enable them to make a well-informed investment strategy. more Leveraged off our own domestic group strength and the global reach of the Bank of America Merrill Lynch (BofAML) platform, KASB provides an unrivaled breadth of knowledge and financial services. Our relationship with Merrill Lynch, which has spanned over a decade, gives us access to more than 60,000 professionals worldwide as well as unmatched access to one of the largest international distribution networks including corporations with an appetite for emerging markets. KASB and Merrill Lynch have worked together seamlessly to attract international capital to Pakistan through strategic investments, portfolio investment as well as international debt and equity capital issuance. Jointly, we have emerged as the leading brand for corporate access in Pakistan. Today, Merrill Lynch works closely with the KASB team to showcase Pakistani corporate at international investor conferences and conducts road shows both in Pakistan and across the globe.

Our people have driven KASBs success through the last 54 years through superb leadership, pride in teamwork, professional excellence and complete dedication to the ethical standards we promote.

KASB is home to Pakistans largest online trading platform KASB Direct with over 3,500 clients who enjoy access to our award winning research. Sizeable group presence in financial sectors which allows us the opportunity to cross sell products and provide clients with a complete range of services. KASB is the only group offering integrated banking and brokerage solutions to clients. Complete suite of fundamental equity research products generated jointly though KASB and BAS-ML. One of few brokers with daily technical research. Daily sales wrap KASB Pakistan Today disseminated via Bloomberg is widely read and followed by clients. Local investor seminars in second tier cities to increase awareness about KSE. FIX compliant broker which provides an edge on international business.

Board of Directors
Syed Asghar Ali Shah - Chairman Nadir Rahman Chief Executive Officer Malik Munir Ahmed Saleem Director Saeed Yousuf Chinoy Director Sheikh Muhammad Moeen Director

Mr. Bilal Mustafa Siddiqui Director Mr. Nadim D. Khan Director

Our management
Nadir Rahman Chief Executive Officer Nadim D. Khan Chief Operating Officer Saeed Jamal Tariq Chief Financial Officer & Company Secretary Baryalay Arbab - Head of Institutional Sales Imtiaz Gadar, CFA Head of Research & Business Development

Ali Hemani - Head of KASB Direct Tahir Iqbal - Head of Operations.

Ghar Asaan - ab aap maalik makaan!

With KASB Banks Ghar Asaan, you can now fulfill your dream of owning a home with much affordable installments. Our Ghar Asaan variants offer options that suit your needs and pocket. Features & Benefits

Buy, Build, or Better your home Loan amount ranging from PKR 300,000 to PKR 50,000,000 Loan tenors ranging from 3 to 20 years LTV up to 80% Debt Consolidation option

Low markup Quick processing Minimum documentation Affordable monthly installments Co-borrower and Income clubbing option Balance Transfer Facility Property Insurance 24-hour KASB Connect support Payment drop box facility

Cash Asaan Personal Finance - your personal world

Cash Asaan Personal Finance is a personal loan with affordable equal monthly installments. You can use Cash Asaan for everything that money can buy.

Features & Benefits Loan amounts upto PKR 1,000,000 Loan tenors upto 5 years No security/collateral requirements Low markup Quick processing Minimum documentation Full payment option anytime Cheque book and ATM/Debit card facility 24-hour KASB Connect support Payment drop box facility

Global Partner

CANADA CANADIAN UNION. 315-7 Westwinds Cres NE Calgary, Ab T3J 5H2 0014036193390 HABIB EXPRESS LTD. 111-A, Dundas Street, East Mississauga, Ontario, Canada L5A1W7 001419877097 0014167400022 Pak Canadian Forex Ltd. 2858 Danforth Ave, Toronto, ON, M4C 1M1, Canada. 03127446655 03007446655 Placid Express. 9045-4299 QUEBEC INC. DBA VIDEO MONALISA 6338 AVE VICTORIA, MONTREAL, QC H3W 2S5 0015143439114 Wall Street Finance (Canada) Ltd. 113 Dundas Street East, Mississauga, Ontario L5A 1W7 0014168756377 0014162306125 ITALY Placid Express. VIA ERATOSTENE 26, ZONA TORPIGRATTARA 0624400606 MALAYSIA Placid Express. NO. 20 JALAN HANG KASTRI, 50050 KUALA LUMPUR 60320702630 QATAR Habib Express. Habib Qatar Intl Exchange Ltd., P. O. Box 1188, Doha 0097444328853

0097444424373 0097444420193 UAE Ahmad Al Hussain Money Exchange. P.O. Box 1283, Dubai, United Arab Emirates 0097142256568 0097142260075 Al Ahalia Money Exchange Bureau. Omeir Bin Yousuf Building Mezzanine Floor Near Golden Tulip Hotel Apartments Hamdan Street, ABU DHABI, UAE 0097126229666 Al Ansari Exchange. Al Amin Tower, Liwa Street, Abu Dhabi 0097126108717 ECONOMIC EXCHANGE CENTRE. P.O.Box 116496, 116/356 Naif Road, Deira Dubai. UAE 0097142717575 0097142723838 InstantCash Worldwide. 2nd floor, office 203 east Wing 2 Dubai airport free zone 0097142990011 UK AFTAB CURRENCY EXCHANGE. 44 St Helens Road, Bolton, Lancashire. BL 3 3NH. UK 00441204326564 0044120465000 DEX INTERNATIONAL LTD. 214,Fulham Palace Road, W69NT-London 00442078355544 00442078355586 DOLLAR EAST UK Ltd. 246 Ashton Road Oldham OL8 1QN United Kingdom 00441616266110 00441616266666

DOLLAR WEST LTD. 55,Regent Street, Black Burn. UK. BB1 6BH 00441254693141 00447909692540 INTERCITY MONEY CHANGERS. 1A, Parson Street, Keighley, West Yorkshire. B021 3EY 00441535685754 00441535685760 Falcon International UK Ltd. 212 Almond street, Derby, DE23 6LY 00447772627311 00441922627111 USMAN INTERNATIONAL UK LTD. 552, Stratford Road, Sparkhill, Birmingham, B11 4AL 00441217710222 00441217710222 00441217667862 OVERSEAS EXPRESS LTD. 178 Alum Rock Road, Alum Rock, Birmingham B8, 1HU 0044213283907 0044213271862 Placid Express. 22 HESSEL STREET POSTCODE -E12LP, London 00442074889078 Sarhad Money Exchange & Travel 151 Toller Lane BradFord West Yorkshire BD8 9HL 00441274482744 00447768793790 SHAHZ MTS Ltd. 379 Green Street, Plaistow London, E13 9AU UK 00442085944795 00447940127432 SPEEDY INTL LTD. 58 Pinnox St., Tunstall, Stoke-On-Trent, Staffordshire, ST6 6AH 00447886666429 00441782463939

USA Placid Express.

Correspondent Banking At KASB Bank we offer you a wide range of Correspondent Banking Services* including: 1. Credit 2. Deposit 3. Collection 4. Clearing 5. Payment services to banks and financial institutions.

Trade Finance Our Trade Finance offers an extensive range of trade products and services through its global correspondent banking network - which spans 69 countries We are aiding importers and exporters find optimal solutions for their individual requirements for cross border trading. With KASB Bank as your trade finance partner, you can seamlessly manage documentary collections, letters of credit and trade guarantees alongside your risk management and structured export finance. Cash Management Our cash management services are provide a wide range of innovative products, designed to facilitate our valued customers to efficiently manage their cash flows.

Advantages: a. Reduce transactional and administrative cost. b. Operational efficiency / predictability of cash flows. c. Effective integrated reconciliation through comprehensive real-time MIS support. d. Eliminate or reduce idle balances. e. Efficient accounts payables and receivables management. Products and Services: a. Collections / Receivables Management.

b. Payables Management. c. Liquidity / Funds management. d. Online banking / Web Banking Portal e. Payroll / Salary Disbursements

Alternate Banking Call Centre - KASB ONE Phone banking KASB Connect is a 24-Hour contact centre which acts as a single access point for all our customers throughout the country. With just a single access phone call, our customers can have access to a wide range of tele-banking solutions and personalized banking services. ATM Network KASB Bank has its own network of 94 ATMs countrywide, which continues to expand by the day. Moreover, KASB is also part of the 1 Link, MNET and VISA networks. This will allow using the KASB VISA ONE Debit Card across Pakistan at more than 4,000 ATMs countrywide and at more than 1.6 million ATMs worldwide. The KASB ONE VISA Debit card is also accepted on all VISA certified machines displaying the VISA Plus sign. Internet Banking Our Internet Banking lets you perform a variety of financial transactions; such as, funds transfer, bill payments, check account statements and applications for loans making life easier and faster for you. Mobile Banking Through KASB mobile banking, you can use the following facilities, such as, fund transfer, bill payments, and balance checks. For details on how to avail call 0800KASB-1 now. KASB ONE VISA Debit Card KASB One is a debit card that works like a check! On any purchases you make, the amount is deducted straight from your account KASB One makes paying convenient for you. Pay for all types of purchases quickly and easily. You can use your KASB One VISA Debit card to pay for absolutely anything! It works fast, so there's no need to write checks or withdraw cash. You'll save on trips to the ATM and can leave your checkbook at home - you can use KASB One for nearly anything, including: Monthly bills Dining Movie tickets Prescriptions

Fast food Retail merchandise Groceries

Gas and automotive services

Visa Debit Card-POS Purchase With KASB ONE VISA Debit card, you can now shop at over 54,000 merchants in Pakistan and over 22 million Visa merchants worldwide. Use KASB ONE VISA Debit Card for direct debit from your bank account. Home Remittances KASB lets you receive your remittance instantly and absolutely free. We offer two options for receiving money in Pakistan: 1. Cash Payments (How to receive money) Visit any KASB bank branch. Provide your unique reference code given by the sender/remitter. Show your identification. Sign money receipt form and collect your money. 2. Instant Credit of Funds For KASB Bank account holders, instant credit of remitted funds. For beneficiaries, who do not have an account with KASB Bank, same day processing of remittances received as per SBP regulations in accounts maintained with other RTGS member Banks. For beneficiaries maintaining accounts in Banks, other than RTGS member Banks, remittance payments made in the form of Pay order and same day delivered to the respective Bank addresses

We offer tailor made products and services for our corporate clients as our focus is on customer's needs and to meet their perceived value by delivering quality services in quick turnaround times. The unit is fully equipped with innovative tools to provide services to its valued customers for: Working Capital and Trade Finance solutions, including Imports, Exports, Guarantees, FOREX Options and Remittances. Long Term needs, through debt financing. Tailor made balance sheet structuring is also offered through our Investment Banking units expertise.

Off Balance sheet, solutions for derivatives are managed through our highly skilled Treasury derivative unit. Cash Management through a dedicated and innovative cash management unit.

Our Corporate Banking Unit is equipped with expertise in providing solutions for all On/Off Balance sheet needs of our clients, through the strength of KASB Groups presence in a range of financial services.

As the leading investment banking firm in Pakistan KASB has extensive knowledge of domestic markets and industries and well-established relationships with local and international investors. KASB is the only local investment bank to be affiliated with a global bulge-bracket bank, i.e. Bank of America - Merrill Lynch. Our services include advising on: Mergers & Acquisitions Privatizations Project Finance Restructurings Equity raising through IPOs/ SPOs and issuance of Global Depository Receipts Debt raising through issuance of TFCs, Sukuks and Syndicate Finance Structured Finance services through Quasi Equity and Securitization

KASB has been very active in Pakistan and has concluded, among others, the last 6 consecutive cross border transactions in Pakistan which have resulted in a US$2.3 billion inflow of foreign exchange since 2006. KASB has generated more private sector foreign inflow into Pakistan than anyone else and continues to highlight investment opportunities in Pakistan to international corporations and global private equity/hedge funds. KASB has closed some of the largest transactions in Pakistans history including US$920mn Malayan Banking Berhad (Malaysia) investment in MCB Bank Limited, US$460mn acquisition of Paktel Limited by China Mobile, US$650mn GDR for United Bank Limited, US$150mn GDR for MCB Bank Limited and US$109mn Lucky Cement GDR. Our efforts in advising and arranging some of the largest private sector mergers and acquisitions and capital raising transactions have established KASB as the leader in investment banking in Pakistan and we have won several international awards. The Asset The Asset Asia Money Euromoney Euromoney Pakistan Best Project Finance Pakistan Investment Bank of the Year Pakistan Deal of the Year Pakistan Investment Bank of the Year Pakistan Investment Bank of the Year 2009 2008 2008 2008 2007

CFA Association Finance Asia

Pakistan Deal of the Year Pakistan Deal of the Year

2006 2006

Products and Services The KASB Bank money market desk provides its customers with a variety of advisory and investment services. We offer our customers competitive quotes and investment advice based on their specific needs. We also allow our customers to invest in Government securities by opening an IPS (Investor Portfolio Services) account on their behalf with the State Bank of Pakistan. The main types of Government securities that our customers can invest in are: Treasury Bills (T-Bills) Treasury bills are zero coupon instruments issued by the Government of Pakistan and sold through the State Bank of Pakistan via fortnightly auctions. T-Bills are issued with maturities of 3-months, 6-months and 1 Year and are priced at a discount. T-Bills are risk free, SLR eligible securities,that are actively traded in the secondary market and are therefore highly liquid. They are issued with a minimum denomination of Rs.100, 000. Pakistan Investment Bonds (PIBS) PIBs are long term bonds issued by the Government of Pakistan and sold through the State Bank of Pakistan via periodic auctions. PIBs are issued with tenors of 3, 5, 7, 10, 15, 20 and 30 Years. Being backed by the Government of Pakistan, they present a low risk long term investment option. The Pakistan Investment Bonds offer a fixed semi annual coupon and repayment of principal at maturity. They are highly liquid SLR eligible securities that are actively traded in the secondary market. The minimum denomination of PIBs is Rs.100, 000.

Products and Services The KASB Bank FX desk offers its customers a vast variety of FX products including: Ready Purchase/Sale

The KASB Bank corporate desk provides all corporate and commercial customers the latest market rates for all transactions equivalent to US $5,000/- and above. For amounts less than US $ 5,000/-, the rates mentioned in the rate sheet are applicable. Forward Sale The outward forward sale allows Importers with L/Cs to book rates on their future commitments in order to hedge against any rate fluctuations and volatility. Forward Purchase The outward forward purchase allows exporters with L/Cs or contracts to book rates for their receivables in order to hedge against any future rate fluctuations. Foreign Bill Purchase (FBP) This facility allows customers to present their export bills and immediately receive rupee facility. The bank purchases and discounts the documents and receives the proceeds upon the maturity of the bill ranging from 12days to 180 days. The exporters can also present the bill against any forward booking for discounting, and adjust the proceeds of the forward contract through that bill. Foreign Currency Financing (FCF) The Foreign Currency Finance (FCF) facility allows exporters to avail foreign currency loans on LIBOR based interest rate for up to the maximum of six months. Foreign Currency Import Financing (FCIF) The Foreign Currency Import Finance (FCIF) facility allows importers to avail foreign currency loans for up to six months against DA or sight L/C using LIBOR based interest rates.

Home Remittance KASB lets you receive your remittance instantly and absolutely free. We offer two options for receiving money in Pakistan: 1. Cash Payments (How to receive money) Visit any KASB bank branch. Provide your unique reference code given by the sender/remitter. Show your identification. Sign money receipt form and collect your money.

2. Instant Credit of Funds For KASB Bank account holders, instant credit of remitted funds. For beneficiaries, who do not have an account with KASB Bank, same day processing of remittances received as per SBP regulations in accounts maintained with other RTGS member Banks. For beneficiaries maintaining accounts in Banks, other than RTGS member Banks, remittance payments made in the form of Pay order and same day delivered to the respective Bank addresses.

KASB Funds Limited (KFL) is in the business of providing investment and savings solutions to its investors through a range of investment products. KASB Funds serves a large and diversified investor base with its investment products, ranging from retail investors to high net worth individuals and from pension funds, employee benefit funds to corporations and institutions. KASB Funds also provides investment advisory services to a host of clients. KASB Funds' institutional sponsors are KASB Group and BlackRock Inc. KASB, has a tradition of excellence in financial services in Pakistan, known for brokerage, investment banking, research and asset management. BlackRock is a premier provider of global investment management, risk management and advisory services to institutional and retail clients around the world.

KASB Modaraba is a multipurpose, perpetual and multi dimensional Modaraba, It is managed by KASB INVEST (Private) Limited. KASB Modaraba is an Islamic Financial Institution extending financial facilities to its customers on Islamic principles of Shariah and working under the supervision of the Religious Board of the Securities and Exchange Commission of Pakistan .The Modaraba is listed on Karachi and Lahore Stock Exchanges. They also deal with

KASB Foundation A non-profit organisation which is involved in bettering the lives of the under-privileged people by providing grants for charitable purpose, within the defined criteria of its Board of Trustee. KASB Foundation continues to grow and develop as a transparent charitable organization through its highly motivated and organized structure that provides disaster relief and long-term sustainable community health services and self-support programs that provide opportunities to the underprivileged to earn and manage their lives with self-respect and diginity. While the growth of our organization has allowed us to greatly increase the scope of charitable work, the key focus of KASB Foundation has always been to promote and provide education.

3501, Queens BLVD LIC, NY 1101 USA 0017813923500 0017187771597 TRANS FAST.

16, West 46th Street, 4th FI, New York, NY 10036. USA 0012018676900 0012012009500 AYAAN INC. EXCHANGE. 305 Grove Street Jersey City, NJ 07302 0012018676900 0012012009500 S. Noorani International. 1205 West Trinity Mills Rd., Suite 200 B Carrolton, TX 75006, Texas USA 0019723451516 Zoha Inc. 291 Grove Street, Jersey City, NJ 07302, USA 0012014325453 0012013334430 Alpine Exchange. 880 Indian Trail Road Suit F, Lilburn, GA 30047, Georgia 0017709121881 Wall Street Finance Ltd. 7232 Broadway,Suite 105 Jackson Heights, NY 11372 0019172845355