Board of Directors

There are seven (7) members of BOD of HBL. There names and
designations are given below;

Sultan Ali Allana Ahmed Jawad

Chairman Director
   
   
   
 
 
Sajid Zahid Sikandar Mustafa
Director Khan
  Director
   
   
   
 
Mushtaq Malik
Director Moez Jamal
  Director
   
   
   
 
R. Zakir Mahmood
President & CEO
 
 
 
 

 
Management Forum

R. Zakir Mahmood Sohail Malik

President and CEO Chief Risk Officer
   
   
   
   
   
Abid Sattar Sima Kamil
Head – Global Head – Retail &
Operations Consumer Banking
& Learning and  
Development  
   
   
  Ayaz Ahmed
Nauman K. Dar Chief Financial Officer
Head-Corporate & & Chief Information
Investment Banking Officer
and  
International Banking  
   
  M. Salahuddin
  Manzoor
Jamil Iqbal Global Treasurer
Chief Compliance  
Officer  
   
   
  Aslam Gadit
  Head-Remedial Assets
Salim Amlani  
Chief Internal Auditor  
   
   
   
  Dr. Razi Azmat
  Head-Human
Mubashar Maqbool Resources
Head-Commercial &  
Retail Lending  
   
   
   
  Nausheen Ahmed
Aly Mustansir Company Secretary &
Head-Marketing & Head-Legal
Brand Management  
   
   
   
  Mirza Saleem Baig
Mohammad Aslam
 Head-Islamic Banking General Manager
 
   
   
   
   
Tulu Islam Abdur Rashid Awan
GM-Branch & Business Head-Semi
Trade Operations Urban Areas
   
   
   
   
Shahid Fakhruddin Aman Aziz Siddiqui
GM-International & RGM-Gulf
(UAE, Oman, Bahrain)
Market Risk  
Management  
 
   
 
Muhammad Ali
Chief Representative
and Retail Head-North
 
 
 

History

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 December 29, 2003 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.

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.
 
Vision   Mission

“Enabling “To make our

people to customers
advance with prosper, our
confidence and staff excel and
success” create value for
shareholders”
 
Values

Our values are the fundamental principles that define our culture
and are
brought to life in our attitudes and behaviour. 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.

Locations
HBL has the largest domestic branch network with over 1,400 branches and is present in 25
countries.  
Head Office Registered Office
Habib Bank Plaza 4th Floor, Habib Bank Tower
I.I.Chundrigar Road Jinnah Avenue
Karachi-75650, Pakistan. Islamabad, Pakistan.

Phone: 021-32418000 (50 lines) Phone: 051-2872203 & 051-

Fax: 021-39217511 2821183
Fax: 051-2872205

Investor Relations
HBL is listed on the Karachi, Lahore and Islamabad Stock Exchanges. We are committed to high
standards of corporate governance and comply with requirements of the Listing Regulations and
Prudential Regulations.  
Share Registrar

Address   Call
THK Associates (Pvt.) Ltd. 111-000-322
Share Registration Department  
For Habib Bank Limited Counter Timings
Ground Floor, State Life Monday through Friday
Building - 3 9.30 am to 12.30pm
Dr. Ziauddin Ahmed Road 2.30pm to 4.30 pm
Karachi 75530
With a customer base of 5 million and a network of more than 1,450 branches in Pakistan, HBL
is the largest private bank in the country. Our network means that we are geographically closer to
our customers than any other bank. This gives us the insights needed to provide a variety of
products that directly reflect customer needs.

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.

Savings Accounts

  Avail the flexibility of making

transactions while earning profit
on daily/monthly basis. For more
information please see below or
call 111-111-425.

HBL ValueAccount
PLS – Savings Account
Remittance Munafa Plus Savings Account
Daily Munafa Account
Daily Progressive Account

 
   HBL ValueAccount
• 7.19% profit per annum*
• Profit calculated monthly, paid every quarter
• Deposit ranges from Rs. 10,000 to Rs.
1,000,000**
• Two withdrawals free every month
  Top
 
  PLS – Savings Account
• 5.06% profit per annum*
• Profit paid bi-annually
• HBL DebitCard and Inter Branch Transaction
System (IBTS) facilities
• Funds transfer to any bank through HBL
PhoneBanking
• Minimum balance of Rs. 20,000**
• Unlimited transactions***
  Top
 
  Remittance Munafa Plus Savings Account
• Special account for receiving foreign
remittances
• 5.12% profit per annum*
• Profit paid every month
• Minimum balance of Rs. 20,000**
  Top
 
  Daily Munafa Account
• Profit calculated daily, paid every month
• Up to 8.84% profit per annum*
• HBL DebitCard and Inter Branch Transaction
System (IBTS) facilities
• Funds transfer to any bank through HBL
PhoneBanking
• Minimum balance of Rs. 20,000**
  Top
 
  Daily Progressive Account
• Unique transactional account for Institutions
• Profit calculated daily, paid every month
• Up to 11.57% profit per annum*
• Inter Branch Transaction System (IBTS) facility
• Funds transfer to any bank through HBL
PhoneBanking
• Minimum balance of Rs. 20,000**
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.

Corporate Banking
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
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.