HBL established operations in Pakistan in 1947 and moved its head office to Karachi.

Our first international branch was established in Colombo, Sri Lanka in 1951 and Habib Bank Plaza was built in 1972 to commemorate the bank’s 25th Anniversary. With a domestic market share of over 40%, HBL was nationalized in 1974 and it continued to dominate the commercial banking sector with a major market share in inward foreign remittances (55%) and loans to small industries, traders and farmers. International operations were expanded to include the USA, Singapore, Oman, Belgium, Seychelles and Maldives and the Netherlands. On June 13, 2002 Pakistan's Privatization Commission announced that the Government of Pakistan had formally granted the Aga Khan Fund for Economic Development (AKFED) rights to 51% of the shareholding in HBL, against an investment of PKR 22.409 billion (USD 389 million). On February 26, 2004, management control was handed over to AKFED. The Board of Directors was reconstituted to have four AKFED nominees, including the Chairman and the President/CEO and three Government of Pakistan nominees. HBL has the largest Corporate Banking portfolio in the country with an active Investment Banking arm. It encompasses product offerings and services in Retail Banking and, in recent years, Consumer Banking as well. HBL is expanding its presence in principal international markets including the UK, UAE, South and Central Asia, Africa and the Far East. RATING: HBL is currently rated AA (Long Term) and A-1+ (Short term). HBL is the first Pakistani bank to raise Tier II Capital from external sources.

MISSION & OBJECTIVES

OUR BRAND
Our brand identity is the outward expression of what we stand for as an organization. This is summarized in our vision, mission and is supported by our values.

VISSION s
“Enabling people to advance with confidence and success”.

MISSION
“To make our customers prosper, our staff excel and create value for shareholders”

VALUES
Our values are the fundamental principles that define our culture and are brought to life in our attitudes and behavior. It is our values that make us unique and unmistakable. Our values are defined below:

EXCELLENCE
This is at the core of everything we do. The markets in which we operate are becoming increasingly competitive, giving our customers an abundance of choice. Only through being the very best - in terms of the service we offer, our products and premises - can we hope to be successful and grow.

INTEGRITY
We are the leading bank in Pakistan and our success depends upon trust. Our customers - and society in general - expect us to possess and steadfastly adhere to high moral principles and professional standards.

CUSTOMER FOCUS
We understand fully the needs of our customers and adapt our products and services to meet these. We always strive to put the satisfaction of our customers first.

MERITOCRACY
We believe in giving opportunities and advantages to our employees on the basis of their ability. We believe in rewarding achievement and in providing first-class career opportunities for all.

PROGRESSIVENESS
We believe in the advancement of society through the adoption of enlightened working practices, innovative new products and processes, and a spirit of enterprise.

MANAGEMENT
R. Zakir Mahmood President & CEO Sima Kamil Group Executive, Corporate Banking Sohail Malik Group Executive, Risk Management Nauman K. Dar Group Executive, International Banking & CEO, Habib Allied International Bank Plc.,UK Abid Sattar Group Executive, Retail & Consumer Banking Zafar Aziz Osmani Group Executive, Human Resources & Organisational Development Mudassir H. Khan Group Executive, Chief Compliance Officer Salim Amlani Group Executive, Audit, BRR & Investigation Aslam Gadit Group Executive, Asset Remedial Management Yousuf Nasir Group Executive, Information Technology Nausheen Ahmad Company Secretary & Head of Law Division

Ayaz Ahmed Group Executive, Chief Financial Officer Jamil Iqbal Group Executive, MISYS / Business Process Re-engineering Jamil A. Khan Group Executive, Global Operations Faizan Mitha Group Executive, Global Treasurer Mirza Saleem Baig Group Executive, Commercial Banking Kashif Shah Group Executive, Investment Banking Aly Mustansir Head of Marketing & Brand Management

INDIVIDUAL CUSTOMERS

HBL caters to all market segments, offering products that are as diverse as the people we service. We remain resolute in our commitment to provide products that are competitive and services that are exemplary. Whether establishing a new venture or expanding an existing business, our team understands your banking needs and works closely with you to realize your goals. HBL provides the following products and services to meet its individual customer requirements:

IINDIVIDUAL CUSTOMERS  Debit Card  Deposit Accounts  PhoneBanking  BancAssurance  Mutual Funds

HBL offers a wide range of accounts suited to meet individual customer needs. They are:

Term Accounts:

Offered in a variety of tenors with deposits as low as Rs. 10,000.

Current Accounts:

Our Current Accounts offer features that meet your daily banking needs.

Saving Accounts:

HBL’s Saving Accounts cater to individual saving habits.

Foreign Currency Accounts:

Offered in multiple currencies with interest paid on a quarterly basis.

HBL and New Jubilee Life Insurance Company Limited (NJLI) introduce Amaan (Retirement Plan) and Tabeer (Child Education & Marriage). These products have been designed keeping HBL’s customer base as the focus and will provide life insurance along with an investment option. Amaan - Retirement Plan:

A pension plan that offers attractive investment returns. Tabeer – Children Education:

An insurance plan that enables parents to cover education and marriage costs.

DEBIT CARD

HBL Visa Debit Card allows you to pay for your purchases directly from your bank account. You don’t have to carry cash and your monthly statement provides you with a complete record of all your transactions so you can manage your expenses with ease. It has the following prominent features: No Interest Ease & Security No Liability International Recognition& Acceptability Spending Limits Free Account Statement 24 hour Customer Service Global Customer Assistance Service

PHONE BANKING

Your bank is just a phone call away. You can now call HBL PhoneBanking and save a trip to the branch. Your query will be resolved in a single telephone call from anywhere and at anytime.

HBL has a long history of being a partner of growth for business and industry. We provide tailored banking solutions to business customers of all sizes in a wide range of industries. We cater to the needs of a broad spectrum of clients. To do this, the business banking group is segregated by the size of the customer. For customers with an annual turnover between PKR 50 million to PKR 300 million, our Commercial Banking group provides a wide range of products that meet specific customer needs. The Corporate Banking Group focuses on personalized services to large corporate borrowers who need tailored facilities. The Corporate Bank manages a diverse portfolio, being an active player in a multitude of sectors including textiles, sugar, leather, pharmaceuticals, fertilizer, petrochemicals, power, aviation, automotive, telecom, oil and gas and FMCGs. The Investment Banking Group is a market leader. It provides innovative capital strategy solutions to major local and multinational entities. HBL offers a wide range of products and services for its business customers. They are as follows:
BUSINESS CUSTOMERS      
Commercial Banking Corporate Banking Islamic Banking Investment Banking Cash Management Asset Management

HBL Corporate Banking Group comprises a seasoned team of Relationship Managers (RMs) to meet the demanding service standards of large corporations. A long history of financing and nurturing relationships in Pakistan has given HBL a unique insight, enabling us to provide timely and effective financial solutions for our customers to meet the growing challenges of a global economy. If you are a corporate customer, with a turnover of at least PKR 300 million, we have a range of solutions designed to help you with your banking needs. Our RMs have the expertise you need to create tailored financial solutions catering to the specific requirements of your business. Whether establishing a new venture or expanding an existing business, our team understands your banking needs and works closely with you to realize your goals.

Services vices

We provide the following services to meet your funding requirements: • Working Capital Finance, including Overdraft, FE Loans, etc. • Pre and Post Shipment Export Financing (PKR and USD based) • Import Financing (PKR and USD based) • LMM Funding • Receivable Discounting • Islamic Banking facilities • Cash Management Services

Trade Services including Letter of Credit, Letter of Guarantee and Standby Letter of Credit, etc.

Centres C
Corporate Center, Karachi Export Processing Zone, Karachi PIA Branch, Karachi Karachi Port Trust, Karachi Steel Mills, Karachi Stock Exchange, Karachi Stock Exchange, Lahore Corporate Center, Islamabad Morga Branch, Rawalpindi Corporate Center, Faisalabad Corporate Center, Multan

HBL’s Commercial Banking Group targets medium sized companies with a turnover of at least PKR 50 million. Our business units are located in Karachi, Lahore, Faisalabad, Sialkot, Gujranwala and Peshawar. Each unit is dedicated to service business clusters located within these cities. We have the ability and the resources to meet the needs of your business with our pro-active, responsive and experienced Relationship Managers who are committed to understanding your business. We cater to the needs of a broad spectrum of clients. To do this, the business banking group is segregated by the size of the customer. For customers with an annual turnover between PKR 50 million to PKR 300 million, our Commercial Banking group provides a wide range of products that meet specific customer needs.

Services
We offer financing for the following: • Working Capital • Procurement of Inventory • Receivables • Procurement of Machinery • Expansion of production facilities • Import of raw materials • Exports

Guarantees

Centres C
Al-Noor, Karachi Foreign Exchange, Karachi Korangi Industrial Area, Karachi Napier Road, Karachi Saddar, Karachi S.I.T.E., Karachi Tariq Road, Karachi Circular Road, Faisalabad Peoples Colony, Faisalabad Panorama, Lahore Badami Bagh, Lahore Peco Road, Lahore Kashmir Road, Sialkot Paris Road, Sialkot Small Ind. Estate, Sialkot Gujranwala Trust Plaza Peshawar Super Market

HBL offers full-service Investment Banking capabilities to its clientele. This year alone, HBL has closed over thirty transactions with a cumulative worth of over USD 2 billion. This is a testament to the out-of-box thinking and the innovative products we bring to our customers. The Investment Banking Group functions in three specialist business areas:  Project Finance,  Debt Capital Markets & Syndications and

Equity Capital Markets & Advisory.

ISLAMIC BANKING

Islamic Banking is a growing market segment that offers attractive opportunities to potential and existing customers. At HBL, Islamic Banking offers Shariah compliant products and services to meet the short and long term requirements of business and trade. Islamic Banking provides Ijarah (leasing) for vehicles, plants and machinery to meet long-term customer resource requirements. Murabaha (local & import) facilities are provided to meet the short-term financial needs of mid-market and corporate customers. HBL’s Islamic Banking products are fully Shariah compliant and duly certified by independent Shariah Advisors.

Services
Visit our Islamic Banking branch for the following services: Opening of Current Account and Basic Banking Account (BBA) Collection of Foreign/Inland Bills Acquisition of Assets on Ijarah Purchase of Raw Materials, Semi-Finished/Finished goods or Store or Spares through Murabaha Foreign/Inland Remittances Utility Bills Collection E-banking/Internet Banking services

CASH MANAGEMENT

HBL offers a comprehensive platform for customers to avail Cash Management Services throughout Pakistan. Our Cash Management Services reduce the cash turn around of your company, thereby making it cost efficient.

Advantages  * Centralized Collections / Funds Transfer * Centralized Payments / Disbursements * Customized MIS Reporting * Centralized Customer Support through I IT/Operations

Products and Services Collections * Easy Collect * Standing Instruction via Debit Authority (SIDA) * Outward Bills for Collection (OBC)

Payments * Salaries / Expenses * Online Cheque Payments (Vendor Payments) * Utility Bill Payments

eBanking/InternetBanking * Electronic MIS reporting through email * Viewing of account statement through E-Banking service * Dedicated Customer Support Officers for Query Handling and Reconciliation

HBL’s Agriculture loans are spread across the country and provide financing through over 800 branches. We have the largest private bank portfolio in the country with over PKR 18 billion in various agriculture sectors. HBL’s presence in all agriculture belts of the country ensures easy access to farmers in rural areas. We provide loans to small-scale land owning farmers as well as large institutionalized and alliance based financing to boost the country's economy and yield better harvests. HBL enables farmers to buy good quality seeds, fertilizers, pesticides, agricultural implements and non-farm setups through its various product programs. The following products ensure that customer needs are fully met with respect to their farming requirements: Revolving Agri Scheme Haryali Farm Transport Scheme Agri Development Loan Agri Development Loan (Fish Farming) Agri Development Loan (Drip Irrigation) Agri Production Finance Haryali Livestock Loans

HBL Asset Management Limited - A Wholly own subsidiary of Habib Bank Ltd. was incorporated on 17 February, 2006 as a public limited company under the Companies Ordinance 1984 and was licensed for Investment Advisory and Asset Management Services by Securities and Exchange Commission of Pakistan on 3rd April, 2006.

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